MMF Finance & Consulting

What MMF Finance & Consulting does

MMF Finance & Consulting (legal entity McMurrick Group PTY LTD) is an Australian mortgage and finance brokerage founded in 1999 by Brett McMurrick and headquartered in Melbourne (South Melbourne / 484 St Kilda Rd). Operating under Australian Credit License 389564, the firm is a 25-year member and 18+ year Full Voting Member of the Mortgage and Finance Association of Australia, and a member of CAFBA. The company serves individuals, SMEs, agribusiness clients, and medical professionals across Australia, accessing a panel of 60+ lenders via its aggregator partner National Mortgage Brokers Pty Ltd.

The product portfolio spans three core pillars — Residential Home Loans, Commercial Finance (including property, debtor, trade, and supply chain finance), and Asset & Equipment Finance (hire purchase, chattel mortgage, novated/finance/operating leases) — augmented by specialized offerings in agribusiness, family-office funding, energy finance, medico finance, strata finance, aviation finance, insurance premium funding, and a car-buying platform. The technology stack centers on the Salestrekker CRM (client management, loan product selection, client portal, compliance, and anti-fraud workflow), integrated with Equifax and Illion for credit data, OneDrive for document management, Calendly for scheduling, Nextgen for electronic lodgement, and Power BI/Zapier/Google Analytics for analytics and automation. A self-serve Digital Platform enables end-to-end digital application and document execution for the three core product lines.

Revenue is generated on a transaction-fee / commission basis via lender-paid brokerage commissions across the loan-origination value chain, with additional revenue from secondary services such as the Car Buying Platform. Go-to-market is sales-led and hybrid: mobile/onsite consultations 7 days a week, a digital self-serve funnel, and referral inflows from accountants, solicitors, financial planners, and existing clients. Customer concentration appears low, with testimonials spanning residential, architectural, retail, import/wholesale, and IT clients. The company is privately held, bootstrapped (no external funding events), with a small (11-50) founder-led team plus Bespoke Outsource services support.

Name

MMF Finance & Consulting

Legal name

McMurrick Group PTY LTD

Website

https://mmf.net.au

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

MMF Finance & Consulting is an Australian mortgage and finance brokerage, founded in 1999 and based in Melbourne, that intermediates residential, commercial, asset, agribusiness, and specialist finance solutions for individuals and SMEs across Australia via a panel of 60+ lenders.

Ownership category

akta.pro rank

Headquarters

HQ city

South Melbourne

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage and Finance Brokerage Commissions: MMF operates as a finance broker earning commissions from lenders when successful loan applications are placed. They work with and have access to multiple lenders and financial institutions, negotiating on behalf of clients to find appropriate loans for homes, cars, equipment, commercial, business, and agricultural needs.
2. Asset & Equipment Finance: Facilitates financing for consumer loans, commercial hire purchase, chattel mortgage, finance lease, novated lease, and operating lease arrangements.
3. Commercial and Business Finance: Provides commercial property finance, business loans, debtor finance, equipment and motor vehicle finance, and property development funding solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

MMF is an Australian finance brokerage that connects consumers and businesses with more than 60 lenders across residential home loans, commercial finance, and asset and equipment finance. The firm operates a fully digital loan origination platform backed by Salestrekker CRM, Equifax and Illion credit data, OneDrive, and Nextgen processing, while also offering mobile, on-site consultations across Australia. It specializes in tailored finance solutions including agribusiness, medico, strata, aviation, trade, supply chain, and family office funding.

Product overview

MMF Finance & Consulting is a finance broker offering a comprehensive portfolio of financial products and services through a network of over 50 lenders. The core offering centers on three main product areas: Residential Home Loans (for buying, refinancing, and loan consolidation), Commercial Finance (including Commercial Property Finance, Business Loans, and Property Development), and Asset & Equipment Finance (with various structures like Hire Purchase, Chattel Mortgage, Finance Lease, Novated Lease). The company operates a Digital Platform that enables fully digital loan applications and document processing. Supporting this core platform are specialized financing solutions including Agribusiness and Rural Finance, Car Buying Platform, Caravan & Camper Trailer Finance, Cash Flow Finance, Debtor Finance, Energy Finance Solutions, Family Office Funding, Helicopter & Aviation Finance, Insurance Premium Funding, Invoice Finance, Medico Finance, Motorcycle & Marine Finance, Strata Finance, Supply Chain Finance, and Trade Finance. The company also provides a suite of Calculators and Tools for client education and financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Home Loans Broker-originated residential mortgage and refinance service for individuals, first home buyers, and property investors across Australia, accessed through MMF's network of 60+ lenders and supported by fully digital origination and mobile consultations.
• Commercial Finance Broker-originated commercial finance service for Australian businesses, covering commercial property, cash flow, debtor, trade, supply chain, strata, and working capital needs across transactions from $500K to $50M.
• Asset & Equipment Finance Broker-originated asset and equipment finance service covering business vehicles, plant and machinery, and capital equipment financing for SMEs and professionals, led by MMF's Head of Credit.
• Agribusiness and Rural Finance Specialist broker service for rural property, livestock, crop, working capital, and equipment finance tailored to Australian farming operators and agribusinesses.
• MMF Car Buying Platform Online platform offering vehicle finance and acquisition support, enabling consumers and businesses to source car finance through MMF's lender network.
• Caravan and Camper Trailer Finance Specialist broker service arranging finance for caravans and camper trailers for individual buyers through MMF's lender panel.
• Cash Flow Finance Broker-arranged cash flow finance for businesses needing working capital support through revolving or short-term lending facilities.
• Debtor Finance Broker-arranged debtor (receivables) finance for businesses that need to leverage outstanding invoices for working capital.
• Energy Finance Solutions Broker-arranged finance solutions tailored to the energy sector, supporting project, asset, and operational funding requirements for energy businesses.
• Family Office Funding Broker-arranged finance for family offices and high-net-worth families covering investment, property, and operational funding structures.
• Helicopter and Aviation Finance Broker-arranged finance for helicopters and other aircraft, addressing the highly specialised requirements of aviation asset finance.
• Insurance Premium Funding Broker-arranged premium funding allowing businesses to spread the cost of insurance premiums over instalment periods rather than paying lump sums.
• Invoice Finance Broker-arranged invoice financing facility for businesses converting unpaid invoices into immediate working capital.
• Medico Finance Broker-arranged finance tailored for medical professionals, including practice purchase, fit-out, equipment, and working capital lending.
• Motorcycle and Marine Finance Broker-arranged finance for motorcycles, marine craft, and other recreational assets for individual buyers.
• Strata Finance Broker-arranged finance for strata-titled properties and bodies corporate, covering capital works, maintenance levies, and insurance funding.
• Supply Chain Finance Broker-arranged supply chain finance solutions supporting procurement, supplier payments, and working capital optimisation.
• Trade Finance Broker-arranged trade finance facilities supporting import/export transactions, letters of credit, and cross-border working capital needs.
• MMF Digital Platform Fully digital loan origination platform enabling end-to-end application, document storage, scheduling, and processing for residential and commercial loan clients across Australia.

Quantifiable outcome

• Clients report streamlined loan processes where they only need to sign documents after MMF handles all negotiations and paperwork
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• National Mortgage Brokers Pty LtdcoreTechnology or IntegrationMMF's aggregator partner through which loan applications are submitted to suppliers/lenders. National Mortgage Brokers provides the processing infrastructure and lender connections for MMF's brokerage operations.
• MFAA (Mortgage and Finance Association of Australia)coreOthersIndustry association membership providing professional development, industry standards, and credibility. MMF is a 25-year member and full voting member for 18+ years.
• CAFBA (Commercial and Asset-Based Finance Association of Australia)coreOthersIndustry association membership for commercial and asset-based finance professionals, supporting MMF's commercial and asset finance divisions.
• SalestrekkercoreTechnology or IntegrationIndustry-leading CRM platform for finance professionals that manages clients, loan product selection, client portals, and automation for approval and settlement processes. MMF uses this for compliance and fraud prevention.
• EquifaxcoreTechnology or IntegrationLeading provider of credit information and analysis in Australia, used by MMF for credit checks and borrower assessment.
• IllioncoreTechnology or IntegrationData and software-enabled services for customer value chain from finding and underwriting through to portfolio management and optimization.
• Bespoke Outsource ServicesminorImplementation/ SI/ Consulting PartnerOutsource services team supporting MMF operations, providing additional capacity for client services and administrative functions.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Loan Market Group: Large Australian mortgage broker aggregator with hundreds of brokers across residential and commercial lending. Directly comparable business model to MMF, but operates as a network/aggregator with significantly greater scale.
• Yellow Brick Road: Australian financial advisory and mortgage broking group offering residential, commercial, and wealth solutions through a branded branch and adviser network. Comparable to MMF in product breadth across lending and adjacent advisory services.
• Connective Home Loans: Major Australian mortgage and asset finance aggregator supporting thousands of brokers with lender panel access, CRM, and processing infrastructure. Comparable to the aggregation layer MMF accesses via National Mortgage Brokers.
• Mortgage Ezy: Australian mortgage brokerage focused on residential and investment lending through a digital and broker-led model. Comparable to MMF's digital platform approach combined with personal advisory service.
• Mortgage Choice: Long-standing Australian mortgage broker (now part of REA Group) originating residential loans through a franchise-style broker network. Directly comparable in product scope and commission-based economics, though at materially larger scale.
• Australian Finance Group (AFG): ASX-listed mortgage aggregator providing broker aggregation services and lender panel access to a large Australian broker network. Highly comparable to MMF's aggregator relationship model, but at much greater scale and with its own broker channel.
• Smartline Personal Advisors: Mortgage broking brand (formerly part of NAB) distributing residential and investment lending through a national adviser network. Directly comparable to MMF in core residential broking with multi-lender panel access.
• Aussie Home Loans: Australia's largest retail mortgage broker, operating a national branch and broker network across residential, commercial, and asset finance. Directly comparable to MMF as a multi-lender, commission-based mortgage brokerage; founder Brett McMurrick previously worked at Aussie.

Others

• Liberty Financial: Australian non-bank lender that originates through the broker channel. Comparable to MMF in that it sits on the same lender panel MMF accesses, illustrating the ecosystem MMF operates within as a counterparty rather than a competitor.

Emerging players

• Lendi: Online-first Australian mortgage broker leveraging technology and call-centre advisors to originate residential loans. Comparable to MMF on the digital platform dimension, though Lendi operates at significantly larger scale and with a pure-online model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/mmffinance
• Facebookfacebook.com/mmffinance
• LinkedInlinkedin.com/company/mmf-finance-&-consulting/?trk=top_nav_home

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 MMF Finance & Consulting