Comparison

MLC vs SP Mortgages

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head

About

MLC

Manage your superannuation, pension, or investment accounts with ease. Securely access your balances, view transactions, update personal details, and track contributions. Find and consolidate lost super, and get notified of payments.

Highlights

View account balances
Secure login (PIN, Touch ID, Face ID)
Check transactions and beneficiaries
Review insurance cover
Track super contributions
Find and consolidate super
Update personal details

Features

Read full description

With the MLC app you can: • View your MLC MasterKey super, pension, or investment balances—quickly and simply. • Get secure and easy access, using a PIN, Touch ID or Face ID (only available on compatible devices). • Check transactions, nominated beneficiaries, and your current mix of investment options. • Get notified when you receive a super payment. • Review insurance cover within your super account. • Keep an eye on your super contributions. • Find and consolidate your super. • View your regular investments and withdrawals, distributions, transactions and investment options in your MasterKey investment account. • Update your personal details. • View our super fund details such as our Fund ABN, Product USI, address, and complying fund statement. • Use the app to easily send your super account details to your employer when you change jobs. • View your balance over financial years as a handy, interactive graph. • Get easy access to help and support within the app. Already have MLC online access? Download the app now. You'll need to be registered for MLC online access. Not registered? Simply go to mlc.com.au or call us on 132 652. Please note: • The app doesn’t include information on MLC Wrap, MLC Navigator or products such as standalone insurance. • This app isn’t intended for use by financial advisers.

About

SP Mortgages

Features

Read full description

Our highly experienced mortgage brokers are dedicated to helping Aussies buy their dream home or property.

Screenshots

MLC4 screens

SP Mortgages4 screens

Verdict

The call

The clearest difference is update cadence: SP Mortgages at every 2 weeks against MLC's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

MLC ships an update every 2 months, SP Mortgages every 2 weeks. The most recent releases landed on November 2, 2026 and October 31, 2026 respectively.

Scorecard1 real difference · 7 level

MLC versus SP Mortgages: the parameters behind the verdict, then further details
Parameter	MLC	SP Mortgages
Price	Free	Free
Positive reviews	30.2% of reviews	—
Update frequency	Every 2 months	Every 2 weeks — better
Ads	No	No
In-app purchases	No	No
Monetization	Free	—
Devices	iPhone, iPod	iPhone, iPad
Requires iOS	15.1 — better	16.4
Further details — not scored
Size	49 MB	51 MB
Age rating	4+	4+
Developer	IOOF Service Co Pty Ltd	Gamma Opengig Work Private Limited

Bugs and requests

MLC

Reported bugs

11 issues

Login button does not work
App crashes
Face ID/Face recognition signing in issues
App stuck on login page
Update does not work

Show 6 more

Keyboard not presented for login
Back button not working
White screen on launch
Cannot accept terms and conditions
App cycles to App Store after update
Login details incorrect despite website working

Requested features

11 requests

Include rate of return for previous and current year
Show balance after every transaction
Option to view data by calendar year
Add graphs for visualization
Manage investments from the app

Show 6 more

Improve UI color scheme
Add more features like changing portfolio and insurance numbers
Update login photo
Allow online withdrawal of funds
Face recognition login on every login
App rotation and better iPad screen utilization

SP Mortgages

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

MLC

No in-app purchases

None

SP Mortgages

No in-app purchases

Questions

Is MLC free?

MLC is free to download, with no in-app purchases.

Is SP Mortgages free?

SP Mortgages is free to download, with no in-app purchases.

Do MLC or SP Mortgages have ads?

Neither MLC nor SP Mortgages shows ads.

Which is updated more often, MLC or SP Mortgages?

MLC ships an update every 2 months, and SP Mortgages every 2 weeks. Most recently, MLC was updated on November 2, 2026 and SP Mortgages on October 31, 2026.