RFS Finance

What RFS Finance does

RFS Finance Pty Ltd is an Australian independently owned and operated finance broking company headquartered in Fortitude Valley, Queensland, with operations extending to Brisbane, Perth, Adelaide, Melbourne, and Sydney. The company acts as an intermediary between clients and lenders, providing access to over 1,400 different loan products across home loans, commercial loans, car loans, and equipment finance, along with wealth creation services including risk insurance and superannuation (personal and self-managed) under the RFS Wealth Creation sub-brand. Finance managers with an average of 17 years of industry experience guide clients through the entire loan application process from search to settlement at no additional cost to the client.

The company is compensated entirely through upfront and trail commissions paid by lenders for settled loans, operating under Australian Credit Licence 388022 and as a member of the Australian Financial Complaints Authority. Customer acquisition is driven by a combination of direct broker/manager engagement, referrals from clients and professional networks, and content marketing through the company website, which publishes regular news articles on Australian interest rate and property trends and offers over 20 financial calculators including stamp duty, borrowing power, and reverse mortgage tools. There are no proprietary technology platforms, no in-house AI capabilities, and no disclosed venture or private equity investment; ownership remains with management.

The business model is transaction-fee driven, with no direct fees charged to clients, and is exposed to broader Australian credit market cycles, particularly residential and commercial property activity and RBA interest rate decisions. Operations are subject to the National Consumer Credit Protection Act and Australian Privacy Principles compliance.

Name

RFS Finance

Legal name

RFS Finance Pty Ltd

Website

https://rfsfinance.com.au

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

RFS Finance is an independently owned Australian finance broker (Brisbane, Perth, Adelaide, Melbourne, Sydney) placing home, commercial, car, and equipment loans for consumers and SMEs, and offering risk insurance and superannuation advisory through its RFS Wealth Creation sub-brand.

Ownership category

akta.pro rank

Product category

Mortgage and Finance Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSAKAGAJ

SME Lending Platforms & Embedded SME Credit

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

SECONDARYFSAGALAD

Embedded Lending & Credit (POS, Working Capital, Credit Lines)

Financial & Insurance/Financial Technology (Fintech)/Embedded Finance & Banking-as-a-Service (BaaS)

SECONDARYFSAKAGAF

Equipment & Asset Finance (SME)

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Finance broking services
• Home loan broking
• Commercial loan broking
• Equipment finance broking
• Wealth creation advisory

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Finance Broking Commissions: RFS Finance earns revenue through commissions from lenders and financial institutions for placing loans with their products. Finance brokers are compensated via upfront and trail commissions paid by the lender when a loan is settled and for the duration the loan remains with that lender.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

RFS Finance is an independent Australian finance brokerage that places consumers and businesses with lenders across more than 1,400 home, commercial, car, and equipment loan products. The company operates through a network of finance managers who guide clients from loan search to completion at no additional cost, supplemented by wealth creation services in risk insurance and superannuation. Services are delivered nationally from a Brisbane headquarters across Brisbane, Perth, Adelaide, Melbourne, and Sydney under Australian Credit Licence 388022.

Product overview

RFS Finance is an independently owned finance broking company operating across Australia (Brisbane, Perth, Adelaide, Melbourne, Sydney) that offers a unified platform of financial services. The core offering consists of loan products (Home Loans, Commercial Loans, Car Loans, Equipment Finance) and wealth creation services (Risk Insurance, Superannuation). The company acts as an intermediary between clients and lenders, with access to over 1,400 different loan products. All services are provided at no additional cost to clients, with finance managers guiding clients from loan search through to completion.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Mortgage and home loan broking service that helps individual consumers find the right mortgage product from a panel of over 1,400 loan products. Covers first home buyers, refinancing, investment property financing, and reverse mortgages, with finance managers handling the full application and settlement at no additional cost to the client.
• Commercial Loans Commercial finance broking service for small and medium business owners seeking commercial property finance and business loans. Managers guide business clients through lender selection, structuring, and settlement as an independent intermediary.
• Car Loans Automobile financing broking service that helps individual consumers find affordable car loans, including assistance identifying suitable vehicles. Finance managers run the lender comparison and application process on the client's behalf.
• Equipment Finance Asset finance broking service for businesses that need to acquire equipment while preserving working capital. Arranged through the lender panel with potential tax-deductible financing structures under Australian business finance arrangements.
• Risk Insurance Wealth and lifestyle protection service delivered under the RFS Wealth Creation sub-brand, covering Income Protection, Life Insurance, Critical Illness Insurance, and Total and Permanent Disability Insurance for individual clients across Australian life stages.
• Superannuation Retirement planning service delivered under the RFS Wealth Creation sub-brand, advising individuals on Personal Superannuation and Self-Managed Superannuation Fund (SMSF) structures.

Quantifiable outcome

• Finance managers guide clients through loan search to completion and beyond at no additional cost.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Choice Aggregation Services: Australian mortgage aggregator providing panel access and support to independent brokers across home and commercial lending. Competes for the same independent broker and small-business finance clients as RFS.
• Connective Home Loans: Australian mortgage aggregator supporting independent brokers with lender panel access and back-office infrastructure. A B2B alternative to RFS's directly employed broker model, competing for the same independent broker cohort.
• Aussie Home Loans: Australia's largest retail mortgage broker brand, offering home loans, commercial loans, and asset finance via a national branch and broker network. Directly comparable business model to RFS, though operating at materially greater scale.
• Mortgage Choice: National Australian mortgage broker and financial planning network owned by ANZ-aligned REA Group. Same multi-lender broker model as RFS, with additional wealth and insurance offerings — a direct competitor for the same consumer and SME broker flow.
• Loan Market Group: Large Australian mortgage broking aggregator with a national network of brokers across home, commercial, and asset finance. Operates a comparable multi-lender panel structure to RFS and competes for the same broker-recruited client base.
• Australian Finance Group (AFG): ASX-listed Australian mortgage aggregator providing panel access, white-label products, and broker services to a large broker network. Comparable in core activity (multi-lender broking) but operates a B2B aggregator model rather than RFS's direct retail model.
• Yellow Brick Road: Australian wealth, lending, and insurance advice group combining mortgage broking with financial planning, superannuation, and risk insurance. Closely mirrors RFS's combined RFS Finance / RFS Wealth Creation offering under one brand.
• Smartline Personal Mortgage Advisers: NAB-aligned mortgage broking network distributing home and investment loans through a national adviser base. Directly comparable channel model to RFS, with deeper institutional backing and a broader product suite.

Broad incumbents

• Commonwealth Bank of Australia (Broker Channel): Australia's largest bank with a substantial third-party broker distribution channel for home, commercial, and equipment loans. Competes with RFS indirectly via its panel lenders and aggregator partners, and is a key counterparty on RFS's 1,400-product panel.

Emerging players

• RateMyAgent / broker comparison platforms: Digital platforms that surface brokers and lenders to consumers based on price and review data. Represents the digital-front-end competitive threat that could disintermediate traditional face-to-face brokers like RFS over time.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/RFSFinance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 RFS Finance