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 (780 reviews)
- Aussie Home Loans Joondalup: 5 (391 reviews)
- Services
- Varlo Finance: first home buyer, refinancing, investment property finance, commercial finance
- Aussie Home Loans Joondalup: first home buyer, self employed finance, mortgage broker, refinancing
- 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, Ryan and Caitlin handle finance applications with genuine pace and patience. Reviewers consistently report quick replies, fast approvals, clear explanations of options, and staff who actively hunt better rates. First-time buyers and repeat customers alike describe the process as simple and stress-free, with loan funds arriving faster than expected.
The team works across car loans, caravan finance, personal loans, and home loans. Clients praise how staff stay in touch throughout and answer questions without rush. No negative patterns emerge across 780 five-star reviews spanning caravan, car, personal and home finance.
Aussie Home Loans Joondalup
Michael and the team have built trust with repeat borrowers by staying reachable outside normal hours, walking customers through each step, and solving applications banks rejected. First home buyers praise how they break down unfamiliar processes; experienced borrowers return for refinances and investment property loans.
The team serves multiple neighbourhoods across Perth's north and handles everything from deposit bonds to construction loans. Settlement speed stands out, with approvals reported within days when banks stalled. After closing, staff keep in touch rather than disappear, which reviewers mention unprompted.
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.
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When you submit a quote or contact form, your enquiry may be shared with partner providers who can perform the work. We may receive a referral fee from these partners, but our rankings and scores are based solely on our published scoring method and are never influenced by referral payments.