Super Finance Markets review

The product fee is free, so nothing is charged to open or progress the loan. That compares well with a mortgage median annual fee of €3.10 in the ranking, and it keeps the 0.6% initial rate closer to the real cost of borrowing.

The firm holds an Australian Securities and Investments Commission licence, 501989, and the contracting entity is Super Finance Markets Pty Ltd. Checking that licence record is a sensible first step before sharing documents or applying.

The initial rate is 0.6%, the strongest figure in the 316 brand ranking. The catch is the fixed period, which runs 0.25 to 2 against a median of 10, so borrowers should plan where they go once the fix ends.

The maximum loan to value is 75%, which sits below the 90% median in the ranking. Applicants therefore need a larger deposit or more equity, and the brand places 265 of 313 on this measure.

The broker covers purchase, remortgage and equity release, so purchase, remortgage, equity release and home equity lending are all in scope. Buyers taking on a new property and existing owners looking to free up cash from a home can both apply within the same range.

Support runs on email, chat and phone, so email, chat and phone are all covered. That suits borrowers who want a quick eligibility answer by phone and then send documents over email, without repeating the same details on every channel.

It fits borrowers who want the sharpest opening rate available and can move again once 0.25 to 2 is up, or who simply want a free product fee. It fits less well if you need a long fix, or a loan above 75%.

The contracting entity is Super Finance Markets Pty Ltd, based in Australia, and it serves a single market. Rates, criteria and support are set for that market, so the offer should be read as specific to it rather than as a UK or European deal.