Mortgageport

Name

Mortgageport

Legal name

Mortgageport Management Pty Ltd

Website

https://mortgageport.com.au

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Kirribilli

HQ country

Australia

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Mortgages: Mortgageport earns interest income from the home loans it originates and manages. As a mortgage manager and lender, it custom-designs home loans and earns interest spreads on the loan portfolio.
2. Loan Management Fees: Fees associated with managing home loans throughout their term, including ongoing account administration.
3. Broker/Referrer Commissions: Commissions paid to accredited brokers and referrers for loans that settle. Referrers may receive commission for each referred loan that reaches settlement.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Mortgageport is a non-bank mortgage lender and manager that originates and services tailored residential home loan solutions for Australian consumers. Its product range includes Prime Full Doc, Alt Doc / Alt Doc Flex, SMSF Residential and Commercial, SME Residential and Commercial Security loans, and short-term MP Residential Bridging finance, delivered through dedicated Lending Managers supported by in-house credit and settlements teams. Distribution is augmented by an accredited broker network, a 150-plus accounting-firm referrer channel, and the MyChoice Home Loans joint venture with McDonald Jones Homes.

Product overview

Mortgageport is a non-bank mortgage manager and lender offering a comprehensive suite of residential mortgage lending solutions. The core product portfolio includes Prime Full Doc (standard documentation loans up to 95% LVR), Alt Doc & Alt Doc Flex (alternative documentation for self-employed borrowers), SMSF Residential and Commercial loans (for self-managed super fund property investments), SME loans (with residential or commercial security), and MP Residential Bridging (short-term bridging finance up to A$5 million). These products are complemented by a digital Home Loan Builder tool for customer self-service and a Borrower Portal for existing clients. Mortgageport also operates partner programs for referrers and brokers, offering commission-based partnerships. Since March 2023, Mortgageport has been a wholly-owned member of BC Investment Group, which provides capital backing and operational infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• MyChoice Home Loans: A joint venture between Mortgageport and McDonald Jones Homes providing home loan solutions for new build and investment customers.

Products and services

• Prime Full Doc Home Loan Standard documentation residential home loan for both salaried and self-employed applicants, supporting new purchases, refinances, and cash-out purposes with loans up to A$2,500,000 and a maximum 95% LVR for owner-occupied and investment properties.
• Alt Doc & Alt Doc Flex Home Loan Alternative documentation residential home loan designed for self-employed applicants, offering flexible proof-of-income options with loans up to A$3,000,000 and a maximum 80% LVR.
• SMSF Residential Home Loan Self-Managed Super Fund residential property loan for corporate trustees, with loans up to A$1,500,000 and a maximum 90% LVR.
• SMSF Commercial Home Loan Self-Managed Super Fund commercial property loan with loans up to A$2,000,000.
• SME Residential Security Loan Small-to-medium enterprise loan backed by residential security, available for self-employed, company or trust applicants with minimum 3-year trading history, supporting cash-out purposes.
• SME Commercial Security Promotion Loan Small-to-medium enterprise loan backed by commercial security with promotional rates, requiring minimum 3-year trading history and 75% LVR.
• MP Residential Bridging Loan (NCCP) Short-term bridging loan to fund purchase or refinance of a residential property prior to completing sale or refinance of an existing property, with loans up to A$5,000,000 and an 18-month bridging period (or 30 years if residual debt). No establishment or ongoing account keeping fees.
• Home Loan Builder Interactive online tool that allows prospective customers to specify their situation (buying, building, investing, refinancing), property details, and desired features, then matches them with a local mortgage expert for tailored home loan recommendations.
• Referrer Partnership Program Formal accreditation program enabling partner businesses (e.g. accounting firms) to refer clients to Mortgageport, with commission payments on settled loans and dedicated Lending Manager support throughout each referred application.
• Borrower Portal Online portal enabling existing Mortgageport clients to access and manage their home loans, including balance, statements, and administration.

Quantifiable outcome

• Over A$4.5 billion in home loans provided to more than 15,000 customers since 1998
• +2 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• NXT Building Group (McDonald Jones Homes)coreStrategic or Co-development PartnerJoint venture MyChoice Home Loans between Mortgageport and NXT Building Group/McDonald Jones Homes, one of Australia's most well-known home-building companies. The JV provides tailored home loan solutions for customers building new homes through McDonald Jones.
• Mortgage Finance Association of Australia (MFAA)minorOthersMortgageport is a full member of the Mortgage Finance Association of Australia, demonstrating adherence to industry standards and professional practices.
• Accounting Firms NetworkcoreChannel Partner/ Reseller/ DistributorMore than 150 independent accounting firms refer their clients to Mortgageport, representing a significant referral channel for new customer acquisition. Referrers may receive commission for settled loans.
• BC Investment Group Holdings LimitedcoreOthersParent company details: BC Investment Group Holdings Limited (Company Registration Number MC-347321) encompasses related bodies corporate including Navalo Financial Services Group (Payright), Taurus Finance, BC Securities (BC Invest), and Mortgageport Management Pty Ltd.

Scale indicators11 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Resimac: Australian non-bank mortgage lender and asset manager offering prime, alt-doc, SMSF, and commercial loans via broker and direct channels — directly comparable business model and customer segments to Mortgageport.
• Liberty Financial: Australian non-bank lender providing residential mortgages, SMSF loans, and asset finance, including specialty segments such as self-employed and near-prime borrowers — overlapping product suite and customer base with Mortgageport.
• Pepper Money: Specialist non-bank lender focused on residential mortgages, self-employed, and SMSF borrowers in Australia and New Zealand, distributed via broker networks — closest direct competitor in the alt-doc and SMSF niches.
• Firstmac: Australian non-bank mortgage lender with a multi-decade operating history, RMBS issuance program, and broker-driven distribution — comparable funding model, customer focus, and product breadth to Mortgageport.
• La Trobe Financial: Non-bank lender and fund manager offering residential, commercial, and SMSF loans through retail and broker channels in Australia — comparable product portfolio and balance-sheet lending model.
• Bluestone Mortgages: Australian non-bank specialist lender focused on self-employed, prime, and near-prime residential mortgages — directly overlapping with Mortgageport's Alt Doc and Prime Full Doc products.
• AFG (Australian Finance Group): Australia's largest mortgage aggregator, providing broker accreditation, product access, and white-label solutions — comparable in distribution scale and broker-channel economics to Mortgageport's broker and referrer network.

Broad incumbents

• Advantedge: NAB-owned wholesale mortgage manager funding and servicing loans for a network of mortgage managers and brokers — operates in the same mortgage-manager space but with bank-balance-sheet scale and a wholesale (rather than retail-direct) model.

Emerging players

• Athena Home Loans: Australian digital mortgage lender offering variable, fixed, and refinance products through a streamlined online experience — competes for the same owner-occupier and investor borrowers but with a pure fintech/digital model.
• Tic:Toc: Australian online home-loan lender using automated decisioning and real-time approval — competes in residential purchase and refinance segments where Mortgageport also originates, but via a self-serve digital model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Customer concentration

• Xx.com/Mortgageport
• Facebookfacebook.com/mortgageport
• LinkedInlinkedin.com/company/mortgageport

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Mortgageport