Loan Market

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

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

• Mortgage broking services
• Broker aggregation network
• Home loan lending
• Commercial finance brokerage
• Concierge insurance referral

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core 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

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Ray WhitecoreStrategic or Co-development PartnerLoan 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 LimitedminorGTM or Marketing PartnerThrough 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)minorGTM or Marketing PartnerLoan Market Concierge partners with SettleEasy to provide conveyancing services in NSW and VIC for home buyers and sellers referred through the Concierge service.
• SolahartminorGTM or Marketing PartnerLoan Market Concierge partners with Solahart to provide solar installation services to Loan Market customers, referral-based.
• HipagesminorGTM or Marketing PartnerLoan 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)minorGTM or Marketing PartnerThrough 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

Direct 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

• YouTubeyoutube.com/user/LoanMarketAustralia
• Facebookfacebook.com/loanmarketaustralia
• LinkedInlinkedin.com/company/loanmarket-au
• Instagraminstagram.com/loanmarket_australia
• Xx.com/loan_market

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Loan Market