What ORDE Financial does

ORDE Financial Pty Ltd is an Australian non-bank mortgage lender founded in 2019 and headquartered in Melbourne, operating under Australian Credit Licence 522079 and AFSL 523150. The company provides flexible property-backed lending across residential, commercial, SMSF, residential construction, bridging, prestige, expat, non-resident, vacant land and SME lending products, delivered exclusively through accredited mortgage brokers rather than direct-to-consumer channels. Its underwriting model is deliberately human-centred rather than credit-scoring-driven, accepting non-standard income documentation (BAS, bank statements, accountant declarations) and assessing complex borrower profiles such as self-employed individuals, SME owners, SMSF trustees, expats and borrowers with past credit events.

The company distributes through six major aggregator panels providing access to 18,000+ brokers nationally, with a national distribution team across Melbourne and Sydney offices. Revenue is generated primarily through net interest income on its mortgage loan portfolio, funded via warehouse facilities from local and global banks and institutional investors. ORDE has established an institutional-grade capital markets platform, completing three successive $1 billion RMBS transactions in 2024, 2025 and March 2026, with the inaugural deal recognised as the largest non-bank debut RMBS in Australian history and awarded the 2024 KangaNews Deal of the Year. Since launch in late 2020, ORDE has supported over $10 billion in settled loans for more than 16,000 borrowers and is self-positioned as Australia's fastest-growing non-bank lender. Its My ORDE digital portal supports loan servicing, and the company is developing an ORDE Income Fund to extend the platform into asset management.

Name

ORDE Financial

Legal name

ORDE Financial Pty Ltd ACN 634 779 990

Website

https://orde.com.au

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

ORDE Financial is an Australian non-bank mortgage lender that provides flexible property-backed residential, commercial, SMSF and SME loans through a broker-only distribution model, serving self-employed borrowers and SME owners underserved by traditional banks.

Ownership category

akta.pro rank

Product category

Non-Bank Mortgage Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Balance-Sheet / Portfolio CRE Lending (FSALADAG)

Keywords

• Non-bank mortgage lending
• Residential property loans
• Commercial property finance
• SMSF lending
• Self-employed borrower loans

Headquarters

HQ city

Melbourne

HQ country

Australia

HQ region

Oceania

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending Interest Income: ORDE generates revenue through interest income on its mortgage loan portfolio, which includes residential, commercial, SMSF, construction, bridging, and vacant land loans. The company is funded through a mix of institutional investors and warehouse facilities provided by local and global banks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

ORDE Financial is an Australian non-bank mortgage lender that provides flexible property-backed loans across residential, commercial, SMSF, construction, bridging, prestige, expat, non-resident, vacant land, and SME lending products. Loans are delivered exclusively through a national network of accredited mortgage brokers, with ORDE applying a human, commonsense credit assessment approach rather than relying purely on automated credit scoring.

Product overview

ORDE Financial is a non-bank mortgage lender offering a portfolio of flexible property-backed loan products delivered exclusively through accredited mortgage brokers. The product suite includes Residential, Commercial, SMSF, Construction, Bridging, Prestige, Expat, and Non-Resident Loans, plus SME Lending and Vacant Land Loans. The company operates through its proprietary My ORDE digital platform for loan management and an upcoming ORDE Income Fund for investors. ORDE positions itself as supporting borrowers underserved by traditional banks, including self-employed individuals and those with complex income structures.

Differentiator

Problem solved

Functional benefit

Brands

• Building Futures: Research initiative in partnership with Bernard Salt AM and The Demographics Group, providing demographic and economic trend analysis for brokers
• Outlook Australia
• ORDE Income Fund

Products and services

• Residential Loans

Quantifiable outcome

• 2-day average SLA for loan approvals
• +3 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• ConnectivecoreChannel Partner/ Reseller/ Distributor · 24 March 2026ORDE Financial joined the Connective lending panel with focus on commercial lending for SME and business owner clients. The partnership brings together two like-minded organisations committed to supporting brokers as commercial property continues to play a central role in SME growth, investment and long-term financial security. The appointment formalises existing relationships with many Connective brokers who had already accredited with ORDE.
• Bernard Salt AM and The Demographics GroupcoreStrategic or Co-development Partner · 1 January 2023ORDE Financial partnered with leading demographer Bernard Salt AM and The Demographics Group to deliver 'Outlook Australia' research - a practical, data-driven view of Australia's future created for brokers and their businesses. The research combines demographic analysis, economic data, and statistical insights to map trends shaping the next decade of lending in Australia.
• Six Major Aggregator PanelscoreChannel Partner/ Reseller/ Distributor · 1 January 2019ORDE is a proud partner of some of Australia's largest aggregator panels, providing access to over 18,000 brokers nationwide. ORDE's full product range is accessible through a single accreditation for brokers on these panels.

Scale indicators7 records

Recent moves11 records

Expansion highlights6 records

Direct peers

• Resimac: Australian non-bank lender issuing RMBS, distributing predominantly through mortgage brokers, and offering residential and commercial property-backed loans to non-standard borrowers. Highly comparable business model, funding structure, and target customer as ORDE.
• Pepper Money: Specialist non-bank lender focused on non-conforming and self-employed borrowers across residential, commercial, and SMSF products. Distributes through brokers and uses RMBS funding. Closely aligned with ORDE's specialist positioning and alt-doc credit approach.
• Liberty Financial: Major Australian non-bank lender offering residential mortgages, commercial, SMSF, and asset finance through broker and direct channels. A leading RMBS issuer with overlapping target customers and product breadth as ORDE.
• La Trobe Financial: Large Australian non-bank lender and fund manager offering residential, commercial, and SMSF loans plus a flagship credit fund. Comparable scale, RMBS/fund funding model, and broker distribution as ORDE.
• Bluestone Home Loans: Australian non-bank lender specialising in residential mortgages for self-employed, complex-income, and near-prime borrowers. RMBS-funded with broker distribution; directly comparable niche focus and customer segment as ORDE.
• Firstmac: Long-standing Australian non-bank lender issuing RMBS and distributing residential, investment, and asset finance loans through brokers. Comparable funding architecture, broker-led model, and target borrower mix.
• Athena Home Loans: Digital-first Australian non-bank mortgage lender funded by RMBS and warehouse facilities, offering residential and investor loans through broker and direct channels. Comparable alternative-lender positioning and capital-markets funding approach.

Broad incumbents

• Macquarie Bank: Major Australian bank with an active mortgage and commercial property lending business, as well as a major warehouse provider to non-banks including RMBS issuers like ORDE. Overlaps with ORDE in commercial and residential lending and is a funding counterparty.
• Commonwealth Bank of Australia: Australia's largest mortgage lender by book. Competes with ORDE for prime residential and commercial borrowers, while ORDE's specialist positioning targets segments CBA declines. Useful comparator for the addressable market ORDE is shifting into.

Emerging players

• Aussie / Lendi Group: Large Australian mortgage broker network (Aussie Home Loans) merged with Lendi. Comparable broker-first distribution philosophy and aggregator relationships that ORDE leverages, though not a direct lender. Useful proxy for broker-channel economics and reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInau.linkedin.com/company/orde-financial

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 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 ORDE Financial