Varlo Finance vs Aussie Home Loans Joondalup: which is better for refinancing?
Both brokers post the same composite score and a perfect 5-star average, so this comes down to how each team works a refinance file rather than which one "scores higher." Varlo Finance leans on a small, named team pushing rate-shopping and speed, while Aussie Home Loans Joondalup brings a wider service menu and a formal credit licence behind a bigger, longer-tenured team. See our methodology for how these scores are built.
Side by side
- Google rating
- Varlo Finance: 5 (773 reviews)
- Aussie Home Loans Joondalup: 5 (384 reviews)
- Services
- Varlo Finance: first home buyer, refinancing, investment property finance, commercial finance
- Aussie Home Loans Joondalup: first home buyer, refinancing, self employed finance, mortgage broker
- Verification
- Varlo Finance: Google-verified
- Aussie Home Loans Joondalup: Google-verified
- Composite score
- Varlo Finance: 95
- Aussie Home Loans Joondalup: 95
Within 3 points of each other, so treat them as effectively tied on overall quality. The choice below is about fit, not the score.
What reviewers say
Varlo Finance
Jordan and the Varlo team consistently earn five stars for speed, clarity, and genuine effort to secure the best loan terms. Clients report approval and settlement in days, transparent step-by-step updates, and staff who help even with tricky applications.
Aussie Home Loans Joondalup
Michael Welton, Phil, and Isabelle consistently earn five-star praise for turning difficult loan situations into fast approvals. Reviewers value their willingness to be available outside hours, their step-by-step guidance for first-time buyers, and their follow-up care even after settlement.
The Joondalup team handles home loans, refinancing, bridging finance, and car loans across northern Perth suburbs. Their website lists 12 service types including construction loans and debt consolidation, backed by an Australian Credit Licence and over 75 years of combined family broking experience.
Verdict
Pick based on how straightforward the refinance is, not the score, since both sit at 94.6. If it's a clean file where you mainly want speed and someone actively hunting the best rate, Varlo Finance fits well. If there's any complication, a prior bank decline, or you want a broker who also covers bridging or construction lending under one roof with documented licensing and a bigger bench of staff, Aussie Home Loans Joondalup is the safer choice.
Still not sure which fits?
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When you submit an enquiry through our forms, it may be shared with partner providers who can do the work, and we may receive a referral fee. Our rankings and scores come from our published method only, separate from any referral fees.