Approved Property Finance

What Approved Property Finance does

Approved Property Finance is a privately held Australian mortgage broking business founded in 2019 and headquartered in Brookvale, New South Wales. The firm operates under the National Consumer Credit Protection Act 2009 (Cth) as a credit assistance provider, with Australian Credit Representative (ACR) number 515616 disclosed in its website footer. It is led by Managing Director James Haywood and operates with a small team of 1-10 employees, serving Australian home buyers, property investors, refinancers, commercial borrowers, and debt consolidation seekers through a sales-led motion delivered via phone (1300 992 837), website contact forms, and multi-step online intake flows.

The company delivers a 3-step service process: a 20-minute initial needs assessment, lender option review within days, and full application-to-settlement management. Its core technology is a web-based mortgage broking platform featuring a suite of consumer-facing calculators (refinance savings, minimum deposit, borrowing capacity, home equity, stamp duty, LMI, repayments) and guided online intake forms that collect prospect information before routing to broker consultations. The firm maintains a panel of 70+ banks and non-bank lenders — including CommBank, Westpac, ANZ, NAB, Macquarie, ING, Suncorp, Bankwest, St. George, BankSA, Adelaide Bank, Bluestone, ME Bank, and Citi — enabling broad product matching across residential, investment, commercial, and business lending. Supporting assets include free educational resources such as The Smart Borrower's Field Manual and articles on first home buyer schemes, refinancing, and property investment.

The business model is commission-based: lenders pay the broker a commission when a loan settles, and the company does not generally charge customers directly; any customer-facing fees are disclosed in writing in advance. The company has settled $380M in loans cumulatively since 2019 and holds a 4.9/5 rating from 486+ Google Business Profile reviews. Distribution is direct-to-consumer within Australia only, with no retail footprint, no app, and no disclosed institutional investors or parent company.

Name

Approved Property Finance

Legal name

Approved Property Finance

Website

https://approvedpropertyfinance.com.au

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Approved Property Finance is an Australian mortgage broking business founded in 2019, connecting home buyers, investors, refinancers, and business borrowers with a panel of 70+ lenders across residential, investment, commercial, and debt consolidation lending, earning commission on settled loans.

Ownership category

akta.pro rank

Product category

Mortgage 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 primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage broking services
• Home loan brokerage
• Residential property finance
• Investment property lending
• Commercial loan broking

Headquarters

HQ city

Brookvale

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. Commission from lenders on settled loans: In many cases the lender pays a commission if the loan settles. This is the primary revenue stream for the mortgage broking business. If a fee payable by the customer ever applies, it is disclosed clearly in writing in advance.
2. Free educational resources: Free guides and resources (Smart Borrower's Field Manual, first home buyer schemes, refinancing guides, property investor guides) are provided at no charge to attract and educate prospects, supporting the sales-led commission model.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Approved Property Finance is an Australian mortgage broking business that connects home buyers, refinancers, property investors, and business borrowers with a panel of 70+ banks and non-bank lenders. The service covers residential home loans, refinancing, investment property finance, commercial lending, and business funding, with brokers handling the full process from initial consultation through to loan settlement. Revenue is earned primarily through commissions paid by lenders when loans settle.

Product overview

Approved Property Finance is a mortgage broking business operating in Australia, offering a unified service platform that connects borrowers with over 70 banks and non-bank lenders. The core offering centers on home buying, refinancing, investment property, commercial, and business funding services, supported by a 3-step process from consultation through settlement. Additional products include a suite of mortgage calculators, educational resources and guides, and The Smart Borrower's Field Manual—all designed to support clients through the property financing journey.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Buying Brokerage Service

Named customers6 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

Feature2 records

Partnerships

15 partnerships are on record, tiered core.

• CommBankcoreChannel Partner/ Reseller/ DistributorMajor Australian bank included in the 70+ lender panel. Represents one of the primary financial institutions through which the company places home loans for clients.
• WestpaccoreChannel Partner/ Reseller/ DistributorMajor Australian bank included in the 70+ lender panel. One of the key traditional bank partners for residential and investment lending.
• ANZcoreChannel Partner/ Reseller/ DistributorMajor Australian bank included in the 70+ lender panel. Provides residential lending products accessed through the broking service.
• NABcoreChannel Partner/ Reseller/ DistributorNational Australia Bank included in the 70+ lender panel. Key partner for residential and commercial lending solutions.
• MacquariecoreChannel Partner/ Reseller/ DistributorNon-bank lender included in the panel. Known for competitive rates and flexible lending products.
• INGcoreChannel Partner/ Reseller/ DistributorInternational bank with Australian operations included in the lender panel. Provides competitive deposit and lending products.
• SuncorpcoreChannel Partner/ Reseller/ DistributorAustralian bank included in the lender panel, offering residential lending products through the broking channel.
• BankwestcoreChannel Partner/ Reseller/ DistributorSubsidiary of Commonwealth Bank operating in Western Australia, included in the lender panel.
• St. George BankcoreChannel Partner/ Reseller/ DistributorPart of the Westpac Group, included in the lender panel for residential lending products.
• BluestonecoreChannel Partner/ Reseller/ DistributorNon-bank lender specializing in residential and investment loans, included in the panel.
• Adelaide BankcoreChannel Partner/ Reseller/ DistributorRegional bank included in the lender panel, providing lending products through brokers.
• CiticoreChannel Partner/ Reseller/ DistributorInternational bank with Australian lending operations included in the panel.
• ME BankcoreChannel Partner/ Reseller/ DistributorOnline bank included in the lender panel, offering competitive mortgage products through brokers.
• BankSAcoreChannel Partner/ Reseller/ DistributorRegional bank (part of Westpac Group) included in the panel serving South Australian market.
• 70+ Lender Panel (including 14 major institutions)coreChannel Partner/ Reseller/ DistributorTotal lender network of 70+ banks and non-bank lenders enabling the company to match diverse client scenarios with appropriate loan products. Includes major banks (CommBank, Westpac, ANZ, NAB), regional banks, and non-bank lenders.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• Astute Financial Group: Australian financial advisory and finance brokerage group offering mortgage broking alongside financial planning. Adjacent to Approved Property Finance's mortgage broking core, with broader wealth and advisory services.

Broad incumbents

• Loan Market Group: Large Australian mortgage broking aggregator with a national network of brokers and broad lender panel. Directly comparable business model to Approved Property Finance, but operating at significantly greater scale.
• Yellow Brick Road: Australian financial services group offering mortgage broking alongside wealth, insurance, and accounting services. Comparable to Approved Property Finance's mortgage broking core, but with a broader financial services portfolio.
• Mortgage Choice: National Australian mortgage broker franchise with a wide lender panel and long-standing brand. Offers the same residential purchase, refinance, and investment broking services as Approved Property Finance, but with a franchise model and broader geographic footprint.
• Aussie Home Loans: One of Australia's largest mortgage broker and home loan brands with a vast retail store network and large lender panel. Comparable to Approved Property Finance in core mortgage broking activity, but far larger in scale and brand reach.

Direct peers

• Lendi: Australian digital-first mortgage broker comparing loans from a large lender panel and providing a guided online application experience. Closest comparable to Approved Property Finance's digital calculator + online intake + broker hand-off model.
• Better Choice Home Loans: Australian mortgage broker focused on residential and investment lending across a panel of lenders. Comparable to Approved Property Finance in target customer (home buyers and investors) and transaction-based commission model.
• Heritage Finance Brokers: Independent Australian mortgage broker connecting borrowers with a lender panel. Comparable to Approved Property Finance as a smaller-scale residential broker with a multi-lender panel and personal broker service model.
• Uno Home Loans: Online Australian mortgage broker that compares loans from a wide lender panel and supports borrowers through the application process. Directly comparable to Approved Property Finance on digital funnel and residential loan brokerage offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/approvedpropertyfinance
• LinkedInlinkedin.com/company/approved-property-finance

Compliance2 records

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 Approved Property Finance