Your Finance Adviser

What Your Finance Adviser does

Your Finance Adviser (YFA) is an Australian mortgage brokerage firm headquartered in Drummoyne, operating under ABN 72660316512 and licensed to act as intermediary between borrowers and lenders. The firm was founded circa 2002 and operates as a mobile-first brokerage with a national footprint, sending brokers to clients at preferred times and locations across Australia. It aggregates loan products through a single industry aggregator, Outsource Financial (ACN 131 090 705), which provides back-office and panel access.

YFA's core product offering spans owner-occupied loans, investment loans, SMSF loans, Low Doc (self-employed) loans, Family Pledge loans, No LMI loans for medical, legal, and accounting professionals, construction loans, development finance, commercial property loans, no-deposit home loans, debt consolidation, refinancing, and reverse mortgages. Supporting this is a digital self-serve layer of approximately 19 financial calculators (borrowing power, repayment, offset, stamp duty, comparison rate, reverse mortgage, etc.) and a free property report tool powered by RP Data. The lending panel covers an estimated 70+ institutions including the major banks (CBA, ANZ, Westpac, NAB, Macquarie, ING, AMP, Suncorp) plus credit unions, mutual banks, and specialist non-bank lenders (Liberty, Resimac, Pepper Money, Judo, La Trobe, Firstmac, Plenti, Moula).

The firm operates a standard Australian mortgage broker revenue model, earning upfront commissions at settlement and trail commissions on the outstanding loan balance from lenders, with no direct charges to borrowers ('complimentary and obligation-free'). Customer segments targeted include first home buyers, self-employed and casual workers, property investors, medical/legal/accounting professionals, and senior citizens. The team visible on site comprises 8 mortgage brokers and specialists with backgrounds spanning chartered accountancy, IT, telco sales, and 20+ years in banking and finance. Marketing is digital-first across blog, social, email/newsletter, and calculator channels, with referral and word-of-mouth as a documented post-sale driver. The firm received the 'Best Customer Service from an Individual Office' award at the Australian Mortgage Awards (AMA) in 2020 and is a privately held, founder-led business with no disclosed VC/PE backing, no M&A activity, and no public listing.

Name

Your Finance Adviser

Legal name

Your Finance Adviser

Website

https://yourfinanceadviser.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Your Finance Adviser is an Australia-wide mobile mortgage brokerage that intermediates between individual borrowers and a panel of 70+ lenders, earning lender-paid upfront and trail commissions across owner-occupied, investment, SMSF, construction, commercial, and reverse mortgage products.

Ownership category

akta.pro rank

Headquarters

HQ city

Drummoyne

HQ country

Australia

HQ region

Oceania

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission (Trail and Upfront): Mortgage brokers earn commissions from lenders — both upfront commissions when a loan settles and trail commissions on the ongoing loan balance. Services are complimentary and obligation-free for customers. This is the standard Australian mortgage broker revenue model.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Your Finance Adviser is an Australian mortgage brokerage that arranges home loans, investment loans, commercial loans, and specialised lending products (Low Doc, No LMI, SMSF, Family Pledge, Construction, Development Finance, Refinance) by matching borrowers to more than 40 lenders and 1,000+ loan products. Services are delivered via a mobile broker model and are complimentary and obligation-free for customers, with the broker earning commissions from lenders.

Product overview

Your Finance Adviser is a mortgage brokerage firm offering a comprehensive suite of home loan and commercial loan products. The core offering includes owner-occupied loans, investment loans, SMSF loans, construction loans, and commercial lending across over 30 lending partners. The company differentiates through specialized products for self-employed borrowers (Low Doc Loans), professionals (No LMI Loans), and family-assisted purchases (Family Pledge Loans). Supporting the loan products are 18 financial calculators for borrower assessment and planning, plus a free Property Report tool powered by RP Data. The portfolio also includes debt consolidation and refinancing services.

Differentiator

Problem solved

Functional benefit

Products and services

• Owner Occupied Loan Home loans for borrowers purchasing a property to live in, available up to 95% LVR inclusive of LMI; arranged via Your Finance Adviser's lender panel.
• Investment Loan Loans for purchasing or renovating property for investment purposes, with rental income factored into serviceability assessments; for individual property investors in Australia.
• Family Pledge Loan Loans using a family member's property as security, enabling borrowers to avoid LMI and purchase with a smaller deposit; for first home buyers and other individual borrowers.
• SMSF Loan Home loans for self-managed super funds to purchase residential or commercial investment property, capped at 70% LVR; for SMSF trustees.
• Low Doc Loan Low-documentation loans for self-employed borrowers who cannot provide traditional proof of income, using BAS statements or business bank statements for verification.
• No LMI Loan LMI waiver loans for medical professionals, lawyers, and accountants allowing them to borrow up to 90% without Lenders Mortgage Insurance; arranged through major banks and smaller lenders that offer professional waivers.
• Construction Loan Loans for building new properties, drawn down in stages as construction progresses, with interest-only repayments during the construction phase.
• Development Finance Interest-only financing for larger property developments, typically 6–24 month terms, lending up to 60–70% of Gross Realisable Value (GRV).
• Commercial Loan Business-purpose loans for purchasing or refinancing commercial property, with income verification options including full doc, low doc, and forecasted financials.
• No Deposit Home Loans Loans enabling property purchase without a traditional deposit, often requiring guarantor support; for borrowers with limited deposit savings.
• Debt Consolidation Loans Loans that combine multiple debts into one manageable payment, potentially reducing interest rates and fees; for borrowers seeking to simplify debt obligations.
• Refinance Services Home loan refinancing services to access better interest rates, switch loan products, or unlock property equity; for existing borrowers seeking better loan terms.
• Property Report Free property reports providing price estimates, comparable sales, rental history, and property details using RP Data; lead-generation tool for prospective borrowers.

Named customers5 records

Segments5 records

Ideal customer profiles5 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.

• Outsource FinancialcoreTechnology or IntegrationMortgage aggregator (ACN 131 090 705) that provides aggregation services to the broker. The aggregator enables access to multiple lenders through a single point of contact.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• Connective Home Loans: Major Australian mortgage aggregator supporting a large broker network across residential and commercial lending. Comparable aggregator+broker model with access to a broad lender panel for member brokers.
• Loan Market Group: Large Australian mortgage broker and aggregator with extensive franchise network and lender panel access. Direct competitor in residential mortgage broking with similar business model of intermediating between borrowers and multiple lenders.
• Mortgage Ezy: Australian online mortgage broker offering residential and commercial loans from a panel of lenders. Comparable digital-first mortgage broker serving Australian borrowers with multi-lender product access.
• Mortgage Choice: Major Australian mortgage broker network (now part of REA Group) with a large franchise broker footprint. Comparable as a multi-lender residential mortgage broker with mobile broker service and access to a wide lender panel.
• Yellow Brick Road: ASX-listed Australian mortgage broker and wealth management firm with a branch and mobile broker network. Directly comparable multi-lender mortgage broker offering residential and commercial loans through a panel of lenders.
• Astute Financial Group: Australian mortgage and finance broking group with a network of mobile brokers. Comparable as a multi-lender mortgage broker serving first home buyers, investors, and self-employed borrowers with personalized mobile service.
• AFG (Australian Finance Group): One of Australia's largest mortgage aggregators and brokers, ASX-listed, providing aggregation services and direct broking. Comparable as both an aggregator (like YFA's Outsource Financial) and as a broker with broad lender panel access.
• Aussie Home Loans: Australia's largest retail mortgage broker with a franchise/store model and access to a broad lender panel. Now part of Lendi Group. Directly comparable as a multi-lender mortgage broker serving Australian retail borrowers with a mobile/branch hybrid model.

Broad incumbents

• RAMS Financial Group: Australian retail mortgage brand (owned by Westpac) that historically distributed home loans through a mobile broker network. Comparable residential mortgage originator/broker, though now operating under a major bank umbrella rather than as an independent.
• Lendi Group: Australia's largest digital mortgage broker following acquisitions of Aussie and ORIG. Comparable as a residential mortgage broker intermediating between borrowers and a broad lender panel, with scale advantages in digital lead generation and lender panel access.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/YourFinanceAdvi
• Facebookfacebook.com/YourFinanceAdviser
• LinkedInlinkedin.com/company/your-finance-adviser

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Your Finance Adviser