Thinktank Property Finance

What Thinktank Property Finance does

Thinktank Property Finance is an Australian non-bank property finance company operating as an originator, servicer, and securitiser of commercial and residential mortgages. Founded in 2006 and headquartered in North Sydney, the company operates through Think Tank Group Pty Ltd under Australian Credit Licence 564080, with Thinktank Nominees Pty Ltd holding AFSL 333163. Its product suite spans commercial loans ($100K-$10M, up to 80% LVR, up to 30-year terms), residential loans ($100K-$5M), Self-Managed Super Fund loans (up to $10M commercial / $5M residential), private lending solutions distributed via brokers, and a strata lending sub-brand called Firstrata Finance. The company also runs an Asset Management division offering Income and High Yield Investment Trusts exclusively to wholesale, sophisticated, and high net worth investors, with returns linked to BBSW plus a fixed margin.

The business model is primarily net interest income on originated and on-book mortgages, supplemented by securitisation economics through mortgage backed securities issuance. Distribution is broker-led, supported by a Customer Portal for self-serve, direct private investor sales, and institutional relationships with domestic and offshore financial institutions for funding and securitisation. Cumulative funded lending solutions exceed $18B and mortgage backed securities issued exceed $13B, indicating an established, scaled origination and capital markets franchise operating exclusively within the Australian domestic market with 101-250 employees.

Name

Thinktank Property Finance

Legal name

Think Tank Group Pty Ltd

Website

https://thinktank.net.au

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Thinktank Property Finance is an Australian non-bank lender originating, servicing, and securitising commercial and residential mortgages, plus SMSF, private, and strata loans, serving brokers, individual customers, wholesale investors, and institutional partners domestically.

Ownership category

akta.pro rank

Product category

Property Finance / Mortgage Lending

NAICS

Real Estate Credit (522292), Portfolio Management and Investment Advice (523940), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Asset-Backed Securities (6189)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)

Keywords

• Commercial property finance
• Residential mortgage lending
• SMSF loans
• Mortgage backed securities
• Private credit lending

Headquarters

HQ city

North Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending Interest Income: Thinktank generates revenue primarily through interest income on commercial and residential mortgage loans. The company originates, services, and securitises mortgages, providing lending solutions ranging from $100K to $10M for commercial loans, $100K to $5M for residential loans, and SMSF loans up to $10M commercial and $5M residential.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Thinktank Property Finance originates, services and securitises commercial and residential mortgages in Australia, ranging from $100K to $10M for commercial and $100K to $5M for residential, with LVR up to 80% and terms up to 30 years. It also structures Self-Managed Super Fund (SMSF) loans and private lending solutions, and runs an Asset Management division providing Income and High Yield Investment Trusts exclusively to wholesale, sophisticated and high net worth investors. Distribution is primarily through a broker network, with direct servicing via a Customer Portal and institutional funding relationships via a Securitisation Hub.

Product overview

Thinktank Property Finance is a unified property finance platform offering four core lending products (Commercial Loans, Residential Loans, SMSF Loans, and Private Lending Products) through a broker channel, alongside an Asset Management division providing Income and High Yield Investment Trusts for wholesale and sophisticated investors. The company also operates Firstrata Finance as a specialized sub-brand for strata lending. The platform collectively supports over $18B in lending solutions funded and over $13B in mortgage backed securities issued, positioning itself as a leading originator, servicer, and securitiser of commercial and residential mortgages in Australia.

Differentiator

Problem solved

Functional benefit

Brands

• Firstrata Finance: The strata lending arm of Thinktank, offering fast, flexible loans designed to meet the needs of apartment owners across Australia. Provides tailored funding solutions to strata communities for repairs, upgrades, and capital works.

Products and services

• Commercial Loans Commercial mortgage loans ranging from $100,000 to $10 million, with loan terms up to 30 years (5 years interest-only), for owner-occupied or investment properties, with LVR up to 80%. Distributed via the broker channel.
• Residential Loans Residential mortgage loans ranging from $100,000 to $5 million, with loan terms up to 30 years (5 years interest-only), offering Interest Only or Principal & Interest repayment options, with LVR up to 80%.
• SMSF Loans Self-Managed Super Fund (SMSF) loans ranging from $100,000 to $10 million for commercial properties and up to $5 million for residential properties, with up to 30 year terms (5 years interest-only) and Interest Only or Principal & Interest repayment options.
• Private Lending Products Private lending solutions offered through the broker channel for clients requiring alternative financing options outside traditional lending channels.
• Income & High Yield Investment Trusts Income and High Yield Investment Trusts offered via Thinktank's Asset Management division with flexible terms (monthly, quarterly, semi-annual, or annual) and monthly income payments. Returns calculated based on BBSW 30 plus a fixed margin. Available exclusively to wholesale, sophisticated and high net worth investors.
• Firstrata Finance (Strata Lending) Strata lending arm of Thinktank offering fast, flexible loans designed for apartment owners across Australia, enabling repairs, upgrades, and capital works for strata schemes of all sizes. Operates under Firstrata Finance.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Firstrata FinanceminorStrategic or Co-development PartnerFirstrata Finance is the strata lending arm of Thinktank, offering fast, flexible loans designed to meet the needs of apartment owners across Australia. Backed by the strength and experience of Thinktank, Firstrata provides tailored funding solutions to strata communities, enabling repairs, upgrades, and capital works. With deep expertise in both finance and property, Firstrata simplifies the lending process for strata schemes of all sizes.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Pepper Money: Pepper Money is a leading Australian non-bank lender specialising in residential and commercial mortgages, SMSF lending, and asset finance distributed through brokers — a near-direct competitor to Thinktank across the core product set.
• Resimac: Resimac is an Australian non-bank mortgage originator, servicer, and RMBS issuer distributed through brokers, with similar scale, securitisation focus, and broker-led go-to-market as Thinktank.
• Firstmac: Firstmac is one of Australia's largest non-bank mortgage originators and RMBS issuers, with a broker-led distribution model and securitisation programme that closely parallels Thinktank's full-stack model.
• Bluestone Mortgages: Bluestone is an Australian specialist non-bank lender providing residential and commercial mortgages through a broker channel, competing with Thinktank in non-conforming and prime broker-originated segments.
• La Trobe Financial: La Trobe Financial is an Australian non-bank lender and investment manager offering residential, commercial, and SMSF loans via brokers alongside a managed fund/investment trust platform — directly comparable to Thinktank's lending + Asset Management combination.
• Liberty Financial: Liberty Financial is an Australian non-bank lender offering residential mortgages, commercial loans, and asset finance through a broker channel, closely mirroring Thinktank's origin-securitise business model and product breadth.

Emerging players

• Athena Home Loans: Athena is an Australian digital non-bank mortgage lender using a broker and direct channel with securitised funding — an emerging fintech competitor in residential lending that overlaps with Thinktank's residential and SMSF products.

Broad incumbents

• AFG (Australian Finance Group): AFG is one of Australia's largest mortgage broker aggregators, connecting brokers with a panel of lenders including non-bank competitors — a key distribution intermediary that influences Thinktank's broker-channel economics.
• Mortgage Choice (REA Group subsidiary): Mortgage Choice is a large Australian mortgage broker aggregation group owned by REA Group, distributing loans from a panel of lenders including non-banks; a critical channel partner and indirect competitor for Thinktank's broker-sourced flow.

Others

• Australian Bureau of Statistics (Housing Finance data) — sector context: Not a peer, but ABS housing finance statistics provide the most relevant industry sizing and growth benchmarks for evaluating Thinktank's addressable Australian mortgage market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/thinktank-commercial-property-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 Thinktank Property Finance