uno
UNO Home Loans is an Australian digital mortgage broker that aggregates home loan products from 40+ lenders, assigns each customer a dedicated broker, and offers proprietary tools (loanScore, Active Home Loan Management) for purchase, refinance, and ongoing loan portfolio monitoring for individual home buyers, refinancers, and property investors across Australia.
- Company typePrivate
- Founded2015
- HeadquartersSydney, Australia
- Headcount11–50
- GTM typeB2C
- OfferingServices
What uno does
UNO Home Loans (legal entity Planwise AU Pty Ltd, ABN 81 609 882 804, Australian Credit Licence 483595) is an Australian digital mortgage broker founded in 2015 and headquartered at L17, 123 Pitt Street, Sydney. The company operates an online broker platform that aggregates home loan products from 40+ lenders — including all Big Four Australian banks (ANZ, Westpac, Commonwealth Bank, NAB) plus regional and specialist lenders — and assigns each customer a dedicated broker for the full loan lifecycle. Its core technology stack is a cloud-based broking platform with proprietary tools including loanScore (a registered-trademark loan tracking and comparison engine that benchmarks a customer's loan against thousands of products in the market), Plans by UNO (state-aware stamp duty and borrowing calculators), and an Open Banking / Consumer Data Right (CDR) integration delivered through partner Wych that enables automated access to customer banking data for credit assessment and ongoing loan monitoring.
The company is organized around three product surfaces: the core UNO Home Loans broker service for purchase and refinance, UNO Commercial for business lending, and Active Home Loan Management — a three-stage ANALYSE-ALERT-ACT workflow that proactively monitors customer loans and triggers refinancing actions. Customer segments span first home buyers, owner-occupiers, property investors, and a specialized cohort of New Zealand citizens purchasing Australian property. UNO does not charge customers direct fees; revenue is generated via upfront commission from lenders at settlement plus ongoing trail commission across the loan life, with the Active Home Loan Management offering designed to extend that recurring revenue stream.
The business was originally funded by three Westpac-led rounds totaling approximately $41.2M between 2016 and 2018 (with the company reporting founded in 2015 in firmographics and 2016 in company history). Leadership includes founder Vincent Turner (CEO), Jason Azzopardi (CFO), and Kirsty Davison (CMO), with no disclosed institutional investors beyond Westpac. The company is an MFAA member, holds CDR data-handling compliance through its Wych partnership, and reports a 4.9-star rating from 227 Google reviews — a strong customer satisfaction signal that correlates with the recurring-engagement model.
uno firmographics
Firmographics- Name
- uno
- Legal name
- Planwise AU Pty Ltd
- Website
- https://unohomeloans.com.au
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- UNO Home Loans is an Australian digital mortgage broker that aggregates home loan products from 40+ lenders, assigns each customer a dedicated broker, and offers proprietary tools (loanScore, Active Home Loan Management) for purchase, refinance, and ongoing loan portfolio monitoring for individual home buyers, refinancers, and property investors across Australia.
- Ownership category
- akta.pro rank
uno industry classification
Industry- Product category
- Mortgage Broking Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)
- akta.pro primary industry
- Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination (FSALAAAM)
- akta.pro secondary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where uno is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
uno business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Broker Commission (Upfront and Trail): UNO earns commission from lenders when customers settle home loans. This includes upfront commission at settlement and trail commission ongoing throughout the loan lifecycle. UNO is a mortgage broker that searches across 40+ lenders to find the best deal for customers.
- Trail Commission: Ongoing commission payments from lenders as loans remain active, providing recurring revenue stream as loan portfolio matures.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Broker services for home purchase and refinancing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
uno product offering
Product offeringCore offering
UNO Home Loans is an Australian online mortgage broker that connects individual consumers with more than 40 lenders to arrange home loans for purchase, refinancing, and equity access. The service combines a digital application platform with dedicated brokers and proactive post-settlement loan management through its proprietary loanScore tracking tool. It operates under Planwise AU Pty Ltd and earns commissions from lenders rather than charging customers directly.
Product overview
UNO Home Loans is an Australian online mortgage broker operating as a single unified platform. The core offering combines the UNO Home Loans broker service with technology tools including loanScore (home loan tracking and comparison), Plans by UNO (mortgage calculators), and Active Home Loan Management (proactive loan monitoring and refinancing alerts). The platform works with over 40 lenders covering thousands of home loan products, and also offers commercial lending services through UNO Commercial.
Differentiator
Problem solved
Functional benefit
Brands
- loanScore: UNO's proprietary home loan tracking tool that analyzes customers' loans against thousands of products in the market to identify potential savings.
- Plans by UNO
Products and services
- UNO Home Loans Brokerage
- loanScore
- Plans by UNO
- UNO Commercial Commercial lending brokerage service offered alongside residential home loans for business property financing needs.
- Active Home Loan Management Ongoing three-stage service (Analyse, Alert, Act) in which UNO uses loanScore technology to scan the market, notify customers when better deals are available, and act to renegotiate or refinance on their behalf.
Quantifiable outcome
- $4.2 billion wasted annually by Australians on non-competitive home loan rates
- +4 more outcomes
Companies that use uno
Customer profileNamed customers8 records
Segments4 records
Ideal customer profiles4 records
uno technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
uno partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- WychcoreWych is a CDR (Consumer Data Right) accredited data recipient that develops and maintains software for collecting CDR data in alignment with CDR Rules. UNO uses Wych to access customer banking data for evaluating financial position and providing credit assistance. Wych meets stringent data security standards.
- ANZcoreOne of UNO's 40+ lending partners. ANZ is one of Australia's 'Big Four' banks offering home loan products through UNO's broker network.
- WestpaccoreOne of UNO's 40+ lending partners. Westpac is one of Australia's 'Big Four' banks offering home loan products through UNO's broker network.
- Commonwealth BankcoreOne of UNO's 40+ lending partners. Commonwealth Bank is Australia's largest bank offering home loan products through UNO's broker network.
- NAB (National Australia Bank)coreOne of UNO's 40+ lending partners. NAB is one of Australia's 'Big Four' banks offering home loan products through UNO's broker network.
- Macquarie BankcoreOne of UNO's 40+ lending partners. Macquarie is a major Australian bank offering home loan products through UNO's broker network.
- INGcoreOne of UNO's 40+ lending partners. ING is an international bank operating in Australia offering home loan products through UNO's broker network.
- Suncorp BankcoreOne of UNO's 40+ lending partners. Suncorp Bank is an Australian regional bank offering home loan products through UNO's broker network.
- UBankcoreOne of UNO's 40+ lending partners. UBank is a digital bank offering home loan products through UNO's broker network.
- ME BankcoreOne of UNO's 40+ lending partners. ME Bank (part of Bank of Queensland) offering home loan products through UNO's broker network.
- Bank of MelbournecoreOne of UNO's 40+ lending partners. Bank of Melbourne is a regional bank offering home loan products through UNO's broker network.
- Own HomeminorOwn Home provides an alternative to Lenders Mortgage Insurance by providing a loan to complete a 20% deposit, allowing buyers to avoid LMI and potentially access cheaper interest rates. Includes buyer's agent services as part of the package. UNO refers customers to this product for eligible low-deposit buyers.
- Mortgage and Finance Association of Australia (MFAA)coreUNO is a member of the MFAA, the peak industry body for mortgage and finance professionals in Australia. This membership provides industry accreditation and credibility.
- First MaccoreOne of UNO's 40+ lending partners offering home loan products through the broker network.
- La Trobe FinancialcoreOne of UNO's 40+ lending partners offering specialist home loan products through the broker network.
- ResimaccoreOne of UNO's 40+ lending partners offering home loan products through the broker network.
- Pepper MoneycoreOne of UNO's 40+ lending partners offering specialist home loan products through the broker network.
- Adelaide BankcoreOne of UNO's 40+ lending partners offering home loan products through the broker network.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
uno competitors and assessment
Company assessmentDirect peers
- Lendi: Lendi is Australia's largest digital mortgage broker, comparing loans across a broad lender panel with a tech-led experience. It directly competes with UNO for the same Australian home-buyer and refinancer segments using a similar digital-first, broker-assisted model.
Broad incumbents
- Australian Finance Group (AFG): AFG is one of Australia's largest mortgage broker aggregators, providing broker support, lender panel access, and technology to thousands of brokers. It is a broad incumbent in the same value chain UNO operates in.
- Aussie Home Loans: Aussie is one of Australia's largest mortgage broker franchises with hundreds of brokers and a multi-channel retail footprint. It overlaps with UNO's broker-mediated home loan offering but operates at much greater scale and with a branch-led distribution model.
- Mortgage Choice: Mortgage Choice is a long-established Australian mortgage broker aggregator with a national broker network. It competes with UNO on home loan broking across a similar lender panel but with broader franchise and aggregator scale.
- Connective Home Loans: Connective is a major Australian mortgage aggregator offering broker support, lender relationships and technology. It competes with UNO indirectly by supporting rival brokers and offers comparable aggregation scale advantages.
Emerging players
- Athena Home Loans: Athena is an Australian digital-first non-bank lender offering home loans directly to consumers. While it is a lender rather than a broker, it competes for the same digitally-engaged Australian borrowers that UNO targets.
- Tic:Toc: Tic:Toc is an Australian fintech providing instant online home loan approvals via its own lender relationships. It intersects with UNO's value proposition by offering a fully digital alternative to broker-assisted home loan origination.
- Own Home: Own Home is an Australian fintech that helps low-deposit buyers avoid LMI through a deposit-completion loan. UNO already has a referral relationship with Own Home, making it a directly adjacent peer in the first-home-buyer segment.
Regional players
- Habito: Habito is a UK-based online mortgage broker offering comparison and broker support across a panel of lenders. It is comparable to UNO as a regional peer with a similar digital broker model applied to a different geographic mortgage market.
- Better.com: Better.com is a US digital mortgage lender/broker using proprietary technology to streamline home loan origination. It shares UNO's digital-first orientation and tech-led customer experience, though operating in a different geography.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
uno social profiles
Digital presenceuno compliance and trust
Trust signalCompliance2 records
uno financial estimates
Financial estimateRevenue estimate
Valuation estimate
uno leadership team
Management profileNumber of profiles
Profiles4 records
uno funding detail
Funding detailFunding overview
Funding rounds3 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
uno M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about uno
What does uno do?
UNO Home Loans is an Australian online mortgage broker that connects individual consumers with more than 40 lenders to arrange home loans for purchase, refinancing, and equity access. The service combines a digital application platform with dedicated brokers and proactive post-settlement loan management through its proprietary loanScore tracking tool. It operates under Planwise AU Pty Ltd and earns commissions from lenders rather than charging customers directly.
Is uno a public or private company?
uno is a private company. It is classified as venture growth investor backed and is currently operating.
When was uno founded?
uno was founded in 2015. It employs 11 to 50 people.
Where is uno based?
uno is headquartered in Sydney, Australia, in the Oceania region.
How does uno make money?
Two revenue lines are on record. Broker Commission (Upfront and Trail) is the primary driver. The others are trail Commission.
Who are uno's main competitors?
Lendi is listed as a direct peer. Broad incumbents are Australian Finance Group (AFG), Aussie Home Loans, Mortgage Choice and Connective Home Loans. Emerging players are Athena Home Loans, Tic:Toc and Own Home. Regional players are Habito and Better.com.
Does uno have an API?
No public API is recorded for uno.
What industry is uno in?
uno's product category is Mortgage Broking Services. Its primary akta.pro industry code is FSALAAAM, Affordable Housing / Down Payment Assistance (DPA) Mortgage Origination, with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 522310 and its SIC code is 6162.