There are a few processes we undertake to determine the right solutions. We also try and give you 3 options to consider so you can see a range of different lenders that suit your needs. But the critical aspects are:
Who can provide you with the best policies, income assessment and guidelines that suit your income or employment type for example
What lender has the best price depending on your deposit size, your equity position, or your loan purpose. Did you know that Investment loans and owner occupied loans have different interest rates for example.
The right finance option for you goes beyond who has the cheapest interest rate online. If that's all that went into it, you would just do it yourself. Policy is just as important as price in a lot of cases.