Loan Market
Loan Market is an Australian mortgage broker aggregator operating 700+ brokers across Australia and 900+ including New Zealand, providing access to 100+ lenders. It earns upfront and trail commissions from lenders plus concierge and insurance referral fees, serving individual consumers and brokers.
- Company typePrivate
- Founded1994
- HeadquartersSydney, Australia
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
Loan Market firmographics
Firmographics- Name
- Loan Market
- Legal name
- Loan Market Pty Limited
- Website
- https://loanmarket.com.au
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Loan Market is an Australian mortgage broker aggregator operating 700+ brokers across Australia and 900+ including New Zealand, providing access to 100+ lenders. It earns upfront and trail commissions from lenders plus concierge and insurance referral fees, serving individual consumers and brokers.
- Ownership category
- akta.pro rank
Loan Market industry classification
Industry- Product category
- Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industries
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Commercial Mortgage Brokerage (FSAEAEAB), Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)
Keywords
Where Loan Market is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices5 records
Markets served
Loan Market business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Lender commissions (initial and trail): Loan Market brokers are paid by the lender chosen by the customer. Upon loan settlement, the lender pays the broker an initial commission typically ranging between 0.60% and 0.75% of the 'net of offset' loan amount (total loan less any offset account balance). Lenders may also pay ongoing monthly trail commissions of approximately 0.15% on the outstanding loan balance. If a loan is paid out or refinanced within 2 years, lenders may reclaim commissions (clawback: 100% within 12 months, 50% within 12-24 months). Core residential lending services are free to consumers.
- Concierge and insurance referral fees: Through the Loan Market Concierge service, the company arranges insurance and other services (home, landlord, car, commercial insurance, conveyancing, solar, removalists, etc.) and receives commissions from Allianz Australia Insurance Limited and other service providers. Commission details include a percentage of premium and a share of profit exceeding agreed thresholds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free residential mortgage broking service |
| Other | Pay-as-you-go | Insurance and concierge services |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels9 records
Loan Market product offering
Product offeringCore offering
Loan Market operates a mortgage broker aggregation platform connecting Australian consumers with over 700 independent brokers who compare and arrange loans from more than 100 lenders. Core offerings include residential home loans (first home buyer, refinancing, investment), car and personal loans, SMSF loans, commercial loans, and construction and renovation loans. A complementary Concierge service refers customers to insurance (Allianz), conveyancing, solar, and trade service providers.
Product overview
Loan Market operates as a mortgage broker aggregation platform with over 700 brokers across Australia. The core offering combines a broker network accessing 100+ lenders with a suite of online calculators (borrowing power, repayment, offset, comparison, split loan, and others) to help borrowers find appropriate loan products. The platform offers home loans, car/personal loans, SMSF loans, commercial loans, and construction loans through its broker network, along with refinancing, first-home buyer, and investment property advisory services. A Concierge service provides referrals to insurance, real estate, conveyancing, and trade services. The company has been operating since 1994 and is 100% family-owned.
Differentiator
Problem solved
Functional benefit
Products and services
- Home Loans Residential mortgage products including variable rate, fixed rate, and split loans for owner-occupiers and investors, arranged through the Loan Market broker network across Australia.
- Car and Personal Loans Secured and unsecured personal loans and vehicle financing products including car loans, novated leases, and balloon payment options.
- SMSF Loans Self-managed super fund property investment loans enabling borrowers to purchase residential or commercial property through their SMSF, subject to regulatory changes effective 9 August 2026 for residential property.
- Commercial Loans Business finance products including commercial mortgages, business term loans, lines of credit, trade finance, construction and development loans, and industry-specific lending for medical, pharmacy, and professional services.
- Construction and Renovation Loans Specialized construction lending products including progressive drawdown facilities and renovation financing options for borrowers building new homes or renovating existing properties.
- Refinancing Services Home loan refinancing advisory services including rate negotiation, equity access, and debt consolidation delivered through the Loan Market broker network.
- First Home Buyer Services
Quantifiable outcome
- Over 1 million Australians helped with home loans
- +5 more outcomes
Companies that use Loan Market
Customer profileNamed customers3 records
Segments7 records
Ideal customer profiles4 records
Loan Market technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Loan Market partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Ray WhitecoreLoan Market has an exclusive partnership with Ray White, Australia's largest real estate referral network. The partnership enables Loan Market brokers to integrate Ray White referral partnerships into their business from inception. Ray White agents can refer home buyers to Loan Market brokers, and brokers can refer clients to Ray White agents. The partnership includes digital integration and referral assets. This is a core GTM partnership generating mutual client referrals between real estate and mortgage services.
- Allianz Australia Insurance LimitedminorThrough the Loan Market Concierge service, Allianz Australia Insurance Limited (ABN 15 000 122 850, AFSL 234708) provides home, landlord, tenant, car, and caravan insurance products arranged by Concierge Group Holdings Pty Ltd as agent for Allianz. The arrangement involves commission payments to Loan Market Concierge including a percentage of premium and a share of profit exceeding agreed thresholds. Marketing cost reimbursements from Allianz are also provided.
- SettleEasy (Conveyancing)minorLoan Market Concierge partners with SettleEasy to provide conveyancing services in NSW and VIC for home buyers and sellers referred through the Concierge service.
- SolahartminorLoan Market Concierge partners with Solahart to provide solar installation services to Loan Market customers, referral-based.
- HipagesminorLoan Market Concierge partners with Hipages to connect customers with building and pest inspectors, removalists, and tradespeople. Hipages serves as a trade services marketplace for referrals from the Concierge platform.
- Ray White (Concierge — Real Estate Agents)minorThrough the Loan Market Concierge service, customers are referred to Ray White agents for real estate services (finding agents), sourced via the Concierge platform.
Scale indicators10 records
Recent moves3 records
Expansion highlights5 records
Loan Market competitors and assessment
Company assessmentDirect peers
- Australian Finance Group (AFG): AFG is one of Australia's largest mortgage broker aggregators, providing brokers access to a broad lender panel and aggregation services. Closely comparable business model to Loan Market as both operate large broker networks earning lender commissions on settled loans.
- Connective Broker Services: Connective is a major Australian mortgage and asset finance aggregator supporting a large national broker network. It competes directly with Loan Market for brokers and operates a similar lender-panel-driven, commission-based model.
- Mortgage Choice: Mortgage Choice is a long-established Australian mortgage broker franchise network with hundreds of brokers. It is the closest franchise-model comparable to Loan Market, originating home loans through a branded broker community on lender panels.
- Aussie Home Loans: Aussie is a major Australian retail mortgage broker with hundreds of brokers and a strong national brand, now part of the CBA group. It competes head-to-head with Loan Market for first-home-buyer and refinancing flow and is a direct franchise/broker-channel peer.
- Finsure: Finsure is a large Australian mortgage and finance aggregator providing brokers access to lender panels and technology. Comparable to Loan Market in supporting independent brokers in residential and commercial lending.
- PLAN Australia: PLAN Australia is a mortgage aggregator serving a national network of brokers with access to multiple lenders. It overlaps directly with Loan Market in aggregator services and competes for broker recruitment.
- Choice Aggregation Services: Choice Aggregation is an Australian mortgage aggregator providing brokers with lender panel access and back-office support. Directly comparable to Loan Market as a broker-network intermediary earning commissions on settled loans.
- Smartline Personal Mortgage Advisors: Smartline operates a branded Australian mortgage broker advisor network with access to multiple lenders. It is a franchise-style direct peer to Loan Market for residential broker-originated loans.
Emerging players
- RateCity: RateCity is an Australian financial comparison platform for home loans, personal loans, and other credit products. Comparable to Loan Market's comparison and marketplace capabilities but operates digitally without a franchise broker network.
Regional players
- Squirrel Mortgages: Squirrel is a New Zealand mortgage broker and lending marketplace serving the trans-Tasman market that Loan Market also addresses via its NZ broker expansion. Comparable broker-channel and lender-panel model but primarily NZ-focused.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Loan Market social profiles
Digital presenceLoan Market financial estimates
Financial estimateRevenue estimate
Valuation estimate
Loan Market leadership team
Management profileNumber of profiles
Profiles3 records
Loan Market subsidiaries and ownership
Company hierarchySubsidiaries5 records
Loan Market funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Loan Market 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 Loan Market
What does Loan Market do?
Loan Market operates a mortgage broker aggregation platform connecting Australian consumers with over 700 independent brokers who compare and arrange loans from more than 100 lenders. Core offerings include residential home loans (first home buyer, refinancing, investment), car and personal loans, SMSF loans, commercial loans, and construction and renovation loans. A complementary Concierge service refers customers to insurance (Allianz), conveyancing, solar, and trade service providers.
Is Loan Market a public or private company?
Loan Market is a private company. It is classified as family owned and is currently operating.
When was Loan Market founded?
Loan Market was founded in 1994. It employs 501 to 1,000 people.
Where is Loan Market based?
Loan Market is headquartered in Sydney, Australia, in the Oceania region.
How does Loan Market make money?
Two revenue lines are on record. Lender commissions (initial and trail) is the primary driver. The others are concierge and insurance referral fees.
Who are Loan Market's main competitors?
Direct peers on record are Australian Finance Group (AFG), Connective Broker Services, Mortgage Choice, Aussie Home Loans, Finsure, PLAN Australia, Choice Aggregation Services and Smartline Personal Mortgage Advisors. RateCity is listed as an emerging player. Squirrel Mortgages is listed as a regional player.
Does Loan Market have an API?
No public API is recorded for Loan Market.
What industry is Loan Market in?
Loan Market's product category is Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.