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 (778 reviews)
- Aussie Home Loans Joondalup: 5 (387 reviews)
- Services
- Varlo Finance: first home buyer, self employed finance, investment property finance, refinancing
- Aussie Home Loans Joondalup: self employed finance, first home buyer, 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
Varlo Finance has a flawless track record across 778 reviews, all five-star. Customers consistently praise Ryan and Jordan for fast approvals, clear communication, and taking time to find competitive rates. The team turns what many describe as stressful into straightforward, stress-free transactions.
Aussie Home Loans Joondalup
Michael Welton, Phill, and Isabelle handle the bulk of client work here, and reviewers single them out consistently for staying available outside business hours, explaining options clearly, and not giving up when applications hit bumps. First-home buyers and those refinancing or switching banks praise how they simplify complex steps, cut approval timelines down, and follow up after settlement to check in.
The business states over 75 years combined family experience in broking. They hold Australian Credit Licence 246786 and serve Joondalup and surrounding suburbs: Banksia Grove, Hocking, Sinagra, Tapping, and Wanneroo. Offerings include home, car, business and personal loans, construction loans, bridging loans, conveyancing, and insurance products.
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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Enquiries you submit through our contact forms may be passed to partner providers who can complete the work, and we may receive a referral fee. Our rankings and scores come from our published scoring method only and are never affected by referral fees.