fundfin.

What fundfin. does

fundfin. (legal entity: Fundfin Pty Ltd) is a Brisbane-based mortgage broking and finance advisory practice operating as a credit representative under Australian Credit Licence #389328. The firm connects individual and SMB borrowers with a panel of more than 40 lenders spanning major banks (ANZ, CBA, NAB, Westpac, Macquarie), non-bank lenders (Pepper Money, La Trobe Financial, Resimac), credit unions, and mutual banks. Core service lines cover residential home loans, investment loans, refinancing, first home buyer advisory, construction loans, commercial loans, business loans, equipment finance, asset finance, car loans, personal loans, SMSF lending, and insurance referrals. The practice is led by principal broker James Kristenson, who brings over 12 years of industry experience across boutique finance firms and major banks, and is supported by a small team (1-10 employees) headquartered at 46 Days Road, Grange, in Brisbane's inner-north corridor.

The business operates on a commission-based revenue model in which fundfin. is paid by the lender upon loan settlement, with no direct cost to the client. Its go-to-market combines a direct advisory sales motion (a documented 7-step process from initial consultation through settlement) with community-led and SEO-driven demand generation, evidenced by 10 suburb-specific landing pages for inner-north Brisbane suburbs, an educational blog, and online financial calculators (Borrowing Capacity, Loan Health Check, Fixed Rate Expiry). Customer acquisition is further supported by a 'Refer a Friend' program, with reputational strength indicated by a 5.0 Google rating across 76 reviews and repeat clients across multiple loan transactions.

Technology infrastructure is limited: fundfin. relies on Connective's aggregation platform for secure client data management and accesses lender systems through its broad panel rather than building proprietary tooling. No proprietary software products, AI/ML capabilities, APIs, or app offerings are present. The business is privately held with no disclosed funding, M&A activity, or institutional investment; James Kristenson is identified as the primary individual associated with the practice.

Name

fundfin.

Legal name

Fundfin Pty Ltd

Website

https://fundfin.com.au

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

fundfin. is a Brisbane-based mortgage broking and finance advisory practice that connects individual and SMB borrowers in the inner-north corridor with a panel of over 40 Australian lenders across home loans, investment, commercial, and asset finance. It operates on a lender-paid commission model led by principal broker James Kristenson.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Mortgage broking services
• Home loan brokerage
• Investment property finance
• Commercial lending advisory
• Refinancing solutions

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, Infrastructure

Revenue model

1. Broker Commission (Lender-Paid): fundfin. operates on a commission basis where the company is paid by the lender upon loan settlement. This means there is no direct cost to clients for the broker service. The company works across a panel of over 40 banks and lenders to find suitable loan products for clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

fundfin. is a Brisbane-based mortgage and finance broking practice that connects individual consumers, property investors, and business owners with a panel of over 40 Australian lenders. The practice brokers home loans, investment loans, refinancing, construction loans, commercial loans, business loans, equipment finance, asset finance, car loans, and personal loans, supported by a lender-paid commission model with no direct fee to the client. Lead broker James Kristenson runs a structured 7-step advisory process from initial consultation through pre-approval, application, and settlement.

Product overview

fundfin. is a Brisbane-based finance and mortgage brokerage operating as a single-platform service that connects customers with a broad panel of lenders across Australia. The core offering consists of residential home loans, investment loans, and refinancing services, supplemented by specialised lending products including construction loans, commercial loans, business loans, equipment finance, asset finance, car loans, and personal loans. Additional services include insurance referrals and online financial calculators for borrowing capacity assessment, loan health checks, and fixed rate expiry tracking. The company differentiates through lender panel access and personalised broker services, with primary service delivery through individual mortgage brokers operating across Brisbane's inner-north suburbs.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Brokerage service that navigates hundreds of lenders on behalf of customers to recommend and structure a home loan aligned with the customer's financial position and long-term goals.
• Investment Loans Investment lending analysis and structuring service that protects the customer's borrowing position, maximises borrowing power, and supports growth of property investment portfolios.
• Refinancing Loan review and restructuring service that compares existing loans against the broader market and recommends refinancing to a more favourable structure for cost savings or equity access.
• First Home Buyers Service Comprehensive guidance for first home buyers covering deposit assessment, eligibility for government grants and stamp duty concessions, and hand-holding through the pre-approval to settlement process.
• Construction Loans Construction finance structuring service with drawdown schedule management and ongoing oversight to ensure builds proceed without financing delays.
• Commercial Loans Commercial finance solutions that provide businesses with the capital foundation for property acquisition and scaling, with lending structures matched to commercial ambitions.
• Business Loans Flexible business lending options tailored to a business's goals, cash flow position, and growth stage for operational funding and expansion opportunities.
• Equipment Finance Equipment finance structuring service that preserves working capital while enabling businesses to acquire productivity-driving assets.
• Asset Finance Asset-backed financing solutions that provide capital access using business or personal assets as security.
• Car Loans Vehicle financing solutions structured to suit individual customer circumstances and vehicle acquisition needs.
• Personal Loans Unsecured or secured personal lending options for individual financial needs beyond residential property finance.
• Insurance Referrals Insurance product referrals and arrangements designed to protect property investments and loan positions for fundfin. customers.

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

Partnerships

Four partnerships are on record, tiered core and supporting.

• ConnectivecoreTechnology or Integrationfundfin. uses Connective's secure database for client data management and ongoing relationship management. Connective is an Australian mortgage aggregation group providing broking technology and support infrastructure.
• Major Australian Banks (ANZ, Commonwealth Bank, NAB, Westpac, Macquarie Bank, Bank of Queensland, St George Bank, Bank of Melbourne, Bank SA, Suncorp Bank)coreChannel Partner/ Reseller/ Distributorfundfin. works with all major Australian banks as part of their lender panel, accessing home loan, investment loan, and commercial finance products to present to clients across their broad lender network.
• Non-Bank Lenders (Gateway Bank, La Trobe Financial, Pepper Money, Resimac, Wisr, Bluestone Mortgages, Firstmac, Latitude, Prospa, Plenti)coreChannel Partner/ Reseller/ Distributorfundfin. accesses non-bank lender products for clients who may not fit traditional bank criteria, offering alternative financing solutions including SMSF loans, specialist mortgage products, and flexible business finance.
• Credit Unions and Mutual Banks (Australian Military Bank, Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank, Newcastle Permanent, UniBank, ING, UBank, ME Bank, Auswide Bank)supportingChannel Partner/ Reseller/ Distributorfundfin. includes mutual banks and credit unions in their panel, offering clients access to not-for-profit banking institutions that may provide competitive rates and personalised service.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Smartline Personal Mortgage Advisors: REA Group-owned mortgage broking franchise network across Australia. Comparable as a direct peer offering home loan, investment, and refinancing services via accredited brokers accessing a wide lender panel, with the same direct-to-consumer sales motion.
• Loan Market Group: One of Australia's largest mortgage broking aggregators with thousands of brokers nationally. Comparable as a directly competing brokerage channel serving residential and investment borrowers across multiple lenders under a lender-paid commission model, much like fundfin.
• Resolve Finance: Australian mortgage and finance broking firm operating across residential and commercial lending. Comparable as a directly competing mid-sized broker offering home loans, refinancing, and commercial finance through a multi-lender panel and a similar client-service-led GTM motion.
• Yellow Brick Road: Australian mortgage broking and wealth advisory brand offering home loans, investment loans, and financial advice. Comparable as a directly competing broker offering a multi-product lending proposition to consumers across the same lender panel.
• Finspo (formerly Astute Finance): Australian finance broking network providing home loan, commercial, and SMSF lending services. Comparable as a directly competing broker aggregator serving similar residential, investment, and specialised lending needs as fundfin.
• Capital Alliance Finance: Australian commercial-focused finance brokerage specialising in property, business, and equipment finance for SMEs and property investors. Comparable as a directly competing finance broker serving commercial and investment lending needs alongside residential clients.

Broad incumbents

• Mortgage Choice: Established ASX-listed Australian mortgage broking franchise. Comparable as a residential-focused broker network offering home loans, investment loans, and refinancing through a broad lender panel, operating on the same lender-paid commission economics as fundfin.
• Aussie Home Loans: Australia's largest retail mortgage broker franchise network. Comparable as the dominant consumer-facing mortgage brokerage offering home loans, refinancing, and investment lending through a national panel of lenders — same core product, same lender-paid commission model.

Others

• Connective (fundfin.'s aggregator): Australian mortgage aggregation group that fundfin. is a credit representative of. Comparable as an enabling infrastructure partner providing the back-office broker technology, lender panel access, and compliance support that underpins fundfin.'s ability to operate.
• Heritage Finance / Heritage Bank: Customer-owned Australian bank offering home loans, investment loans, and deposit products directly to consumers. Comparable as one of fundfin.'s lender panel counterparties — illustrates the direct-lending channel that mortgage brokers position against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 fundfin.