Axton Finance

What Axton Finance does

Axton Finance is an Australian mortgage brokerage operating from Hawthorn, Melbourne, founded by Clinton Waters in 2003. The firm acts as an intermediary connecting borrowers with a panel of 35+ banks and lenders, including the Australian 'big four' (CBA, NAB, Westpac, ANZ), challenger banks (Macquarie, ING, UBank, Judo, Bank of Queensland, Suncorp, Bendigo), and a range of non-bank lenders (Bluestone, Pepper Money, Resimac, La Trobe Financial, Firstmac, RedZed, Better Choice, Brighten, MA Money, Thinktank, Auswide, AMP, Homeloans.com.au). Product coverage spans residential home loans, investment property loans, refinancing, construction and bridging loans, SMSF loans, expat lending, reverse mortgages, plus a commercial lending suite covering commercial property, development finance, asset and equipment finance, and business loans. Niche offerings include No LMI, Low LMI, No Deposit, Low Deposit, and Low Doc variants, plus dedicated Home Loans for Doctors and Lawyers targeting professional borrowers with LMI waiver eligibility.

The business operates under Australian Credit Licence No. 389328 and generates revenue entirely through upfront and trail commissions paid by lenders on settled loans; the firm explicitly states no fees are charged to clients in almost every circumstance. Distribution is sales-led and relationship-driven: licensed brokers deliver personalised advisory via phone, video, and face-to-face channels, while lead flow is generated through formal referral partnerships with real estate agencies, accounting firms, and corporate HR departments. Technology is limited to web-based calculators (borrowing capacity, loan health check, fixed rate expiry) and a content/blog layer supporting organic search acquisition; there is no proprietary AI, software platform, or app product. Customer segments include individual home buyers (primary), property investors, HNW professionals, SMSF investors, expat borrowers, self-employed individuals, and small business owners across Victoria, NSW, QLD, ACT, and WA. The firm is privately held with no external funding and no disclosed financials; team size is not formally disclosed but includes at least five named senior brokers carrying 100+ years of combined industry experience.

Name

Axton Finance

Legal name

AXTON FINANCE PTY LTD

Website

https://axtonfinance.com.au

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

Axton Finance is a Melbourne-based mortgage brokerage connecting Australian borrowers with 35+ banks and lenders for home, investment, commercial, and SMSF loans. The firm earns lender commissions on settled loans and serves individuals, property investors, HNW professionals, and small businesses nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Hawthorn

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commission: AXTON Finance earns revenue through commissions paid by lenders when loans are settled. This is typically a trail commission structure paid by the lender over the life of the loan, plus upfront commissions. The company states they offer expert service without fees charged in almost every circumstance for their expertise.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Axton Finance is an Australian mortgage brokerage that arranges residential, investment, commercial, construction, SMSF, and specialty loan products through a panel of 35+ Australian banks and lenders, providing borrowers with personalized broker advisory and application support without charging client fees. The firm also runs structured partnership programs for accountants, HR managers, and real estate agents to refer clients for mortgage services.

Product overview

Axton Finance is a Melbourne-based mortgage brokerage operating as a unified service platform (not a modular software product) that connects borrowers with over 35 major bank and non-bank lenders across Australia. The core offering centers on residential home loans (Home Loans, Investment Loans, Refinancing) supplemented by specialized products including Self Employed Loans, SMSF Loans, Bridging Loans, Construction Loans, and niche segment offerings such as Home Loans for Doctors and Home Loans for Lawyers. The company also offers commercial lending (Commercial Loans, Commercial Property Loans, Development Finance, Asset Finance, Equipment Finance, Business Loans), as well as specialized deposit products (No Deposit Loans, No LMI Loans, Low LMI Loans, Low Deposit Loans, Low Doc Loans). A suite of online calculators (Borrowing Capacity Calculator, Loan Health Check Calculator, Fixed Rate Expiry Calculator) supports the advisory service. B2B partnership services include Strategic Mortgage Relationships for Accountants, HR Managers, and Real Estate Agents. The company operates under Australian Credit Licence No. 389328 and is authorized under the National Consumer Credit Protection Act (NCCP) 2009.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Standard residential mortgage products for owner-occupiers, providing access to home loan options from multiple lenders to suit individual goals, lifestyle, and long-term plans.
• Investment Loans Specialized mortgage products for building property portfolios, offering competitive rates and flexible lending solutions for investment property purchases.
• Refinancing Home loan refinance solutions to access better rates, reduce repayments, or release equity, including options for owner-occupier and investment properties.
• Self Employed Loans Mortgage solutions tailored for self-employed individuals with complex financial situations, ensuring access to suitable loan products despite non-standard income documentation.
• SMSF Loans Self-Managed Super Fund mortgage products allowing control over super while building property portfolios within an SMSF structure.
• Bridging Loans Short-term financing solutions to bridge the gap between purchasing a new property and selling an existing one.
• Construction Loans Specialized financing for building new homes with progressive drawdown options aligned with construction milestones.
• Expat Lending Mortgage products for Australian expats and foreign nationals living overseas looking to purchase property in Australia.
• Reverse Mortgages Equity release products allowing seniors to access property equity while retaining ownership of their home.
• House & Land Packages Combined financing solutions for purchasing land and constructing a home in a single package.
• Debt Consolidation Loans Refinancing solutions that combine multiple debts into a single mortgage, simplifying repayments and potentially reducing interest costs.
• Equity Release Loans Products allowing homeowners to access equity built up in their property for various financial needs.
• Commercial Loans Financing solutions for commercial properties and business purposes beyond residential mortgage needs.
• Business Loans General business financing solutions for operational needs, growth, and commercial purposes.
• Commercial Property Loans Specialized financing for purchasing commercial real estate including offices, retail, and industrial properties.
• Development Finance Funding solutions for property developers undertaking residential or commercial development projects.
• Asset Finance Financing solutions for acquiring business assets including equipment, vehicles, and other commercial investments.
• Equipment Finance Financing options for purchasing business equipment including machinery, technology, and vehicles.
• Low Doc Loans Home loans with alternative documentation requirements for borrowers who cannot provide standard income verification.
• No Deposit Loans Home loans enabling property purchase without a traditional cash deposit, typically using guarantor arrangements or specialized lender programs.
• No LMI Loans Home loan products allowing eligible professionals (doctors, lawyers, engineers, accountants) to borrow without paying Lenders Mortgage Insurance, potentially saving thousands of dollars.
• Low LMI Loans Home loan products offering reduced Lenders Mortgage Insurance premiums compared to standard loans for borrowers with deposits below 20%.
• Low Deposit Loans Mortgage solutions for borrowers with smaller deposits (as low as 5%), making homeownership accessible sooner.
• Private Banking Premium mortgage advisory service providing high-touch, personalized service for high net wealth clients.
• Home Loans for Doctors Specialized mortgage solutions for medical professionals with complex income structures, HECS debts, and access to LMI waivers and preferential rates.
• Home Loans for Lawyers Specialist mortgage broking services for legal professionals with complex income structures including partnership distributions and trust arrangements.
• Strategic Mortgage Relationships for HR Managers Employee benefit program offering HR managers access to mortgage advisory services for their workforce, including workshops and consultations.
• Strategic Mortgage Relationships for Real Estate Agents Partnership program providing real estate professionals with mortgage solutions for their clients, including qualified buyer referrals and ongoing support.
• Strategic Mortgage Relationships for Accountants Partnership program enabling accountants to refer clients for mortgage services with dedicated relationship management and reporting.

Quantifiable outcome

• 97% loan approval rate
• +4 more outcomes

Named customers5 records

Segments9 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

38 partnerships are on record, tiered core.

• Deposit AssurecoreChannel Partner/ Reseller/ DistributorDeposit Assure is one of the lenders in AXTON Finance's network of 35+ banks and lenders. They provide deposit bond products and home loan options to AXTON Finance clients.
• Bank of MelbournecoreChannel Partner/ Reseller/ DistributorBank of Melbourne is part of the Westpac Group and provides banking and home loan products through AXTON Finance's broker network.
• WisrcoreChannel Partner/ Reseller/ DistributorWisr is a non-bank lender offering personal loans and home loans distributed through AXTON Finance's broker network.
• Bluestone MortgagescoreChannel Partner/ Reseller/ DistributorBluestone is a non-bank lender providing residential and commercial property loans through AXTON Finance.
• Heritage BankcoreChannel Partner/ Reseller/ DistributorHeritage Bank is an Australian mutual bank providing home loans and banking products through AXTON Finance's network.
• INGcoreChannel Partner/ Reseller/ DistributorING is a global bank operating in Australia offering home loans and banking services distributed through AXTON Finance.
• Adelaide BankcoreChannel Partner/ Reseller/ DistributorAdelaide Bank provides banking and home loan products through AXTON Finance's broker distribution network.
• Australian Military BankcoreChannel Partner/ Reseller/ DistributorAustralian Military Bank is a defense force-focused mutual bank providing exclusive home loan products to eligible members through AXTON Finance.
• Macquarie BankcoreChannel Partner/ Reseller/ DistributorMacquarie Bank is a major Australian investment bank providing home loans and specialized lending products through AXTON Finance.
• Heartland Seniors FinancecoreChannel Partner/ Reseller/ DistributorHeartland Seniors Finance specializes in reverse mortgage products for seniors, distributed through AXTON Finance's broker network.
• La Trobe FinancialcoreChannel Partner/ Reseller/ DistributorLa Trobe Financial is a non-bank lender offering credit solutions including property finance and investment loans through AXTON Finance.
• Bank of ChinacoreChannel Partner/ Reseller/ DistributorBank of China provides international banking and home loan products for Chinese-speaking clients and international investors through AXTON Finance.
• Bank of QueenslandcoreChannel Partner/ Reseller/ DistributorBank of Queensland (BOQ) is a regional bank providing home loans and business banking through AXTON Finance's broker network.
• UBankcoreChannel Partner/ Reseller/ DistributorUBank is a digital bank offering home loans and savings products, distributed through AXTON Finance's network.
• Commonwealth BankcoreChannel Partner/ Reseller/ DistributorCommonwealth Bank is one of Australia's 'big four' banks providing comprehensive home loan products through AXTON Finance.
• ANZcoreChannel Partner/ Reseller/ DistributorANZ is one of Australia's 'big four' banks providing home loans and banking services through AXTON Finance's broker network.
• Brighten Home LoanscoreChannel Partner/ Reseller/ DistributorBrighten is a non-bank lender specializing in residential home loans distributed through AXTON Finance's broker network.
• Teachers Mutual BankcoreChannel Partner/ Reseller/ DistributorTeachers Mutual Bank is a mutual bank providing exclusive home loan products to education sector workers through AXTON Finance.
• Judo BankcoreChannel Partner/ Reseller/ DistributorJudo Bank is a challenger bank specializing in SME and property lending, providing products through AXTON Finance.
• RedZedcoreChannel Partner/ Reseller/ DistributorRedZed is a non-bank lender providing specialist home loan solutions for self-employed borrowers through AXTON Finance.
• ThinktankcoreChannel Partner/ Reseller/ DistributorThinktank is a non-bank lender offering residential and commercial loans, distributed through AXTON Finance's network.
• homeloans.com.aucoreChannel Partner/ Reseller/ Distributorhomeloans.com.au is a mortgage aggregator providing home loan products through AXTON Finance's broker services.
• ResimaccoreChannel Partner/ Reseller/ DistributorResimac is a non-bank lender providing residential and commercial property loans through AXTON Finance's network.
• Pepper MoneycoreChannel Partner/ Reseller/ DistributorPepper Money is a non-bank lender offering specialist home loan products including for complex income situations, distributed through AXTON Finance.
• ME BankcoreChannel Partner/ Reseller/ DistributorME Bank is an online bank providing home loans and banking products through AXTON Finance's broker network.
• BOQ SpecialistcoreChannel Partner/ Reseller/ DistributorBOQ Specialist is a division of Bank of Queensland serving medical, dental, and professional clients with specialized lending through AXTON Finance.
• FirstmaccoreChannel Partner/ Reseller/ DistributorFirstmac is a non-bank lender offering residential and investment home loans distributed through AXTON Finance.
• Bendigo BankcoreChannel Partner/ Reseller/ DistributorBendigo Bank is a regional Australian bank providing home loans and banking services through AXTON Finance's network.
• Suncorp BankcoreChannel Partner/ Reseller/ DistributorSuncorp Bank provides home loans and banking products through AXTON Finance's broker distribution network.
• WestpaccoreChannel Partner/ Reseller/ DistributorWestpac is one of Australia's 'big four' banks providing comprehensive home loan products through AXTON Finance.
• NABcoreChannel Partner/ Reseller/ DistributorNational Australia Bank (NAB) is one of Australia's 'big four' banks providing home loans and business banking through AXTON Finance.
• BankwestcoreChannel Partner/ Reseller/ DistributorBankwest is a subsidiary of Commonwealth Bank operating primarily in Western Australia, providing home loans through AXTON Finance.
• St George BankcoreChannel Partner/ Reseller/ DistributorSt George Bank is part of the Westpac Group providing home loans and banking products through AXTON Finance's network.
• AMPcoreChannel Partner/ Reseller/ DistributorAMP is a financial services company providing home loans and banking products distributed through AXTON Finance.
• Auswide BankcoreChannel Partner/ Reseller/ DistributorAuswide Bank is an Australian mutual bank providing home loans and banking products through AXTON Finance.
• Better Choice Home LoanscoreChannel Partner/ Reseller/ DistributorBetter Choice is a non-bank lender providing residential home loan products distributed through AXTON Finance's network.
• MA MoneycoreChannel Partner/ Reseller/ DistributorMA Money is a non-bank lender specializing in residential and commercial property loans distributed through AXTON Finance.
• Deposit PowercoreChannel Partner/ Reseller/ DistributorDeposit Power provides deposit bond products enabling buyers to purchase properties with minimal cash deposits, distributed through AXTON Finance.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Aussie Home Loans: Australia's largest branded mortgage broker with hundreds of brokers and an extensive lender panel. Highly comparable to Axton as a retail residential mortgage broker intermediating between borrowers and 35+ lenders, though at much greater scale and franchise breadth.
• Lendi: Technology-led Australian mortgage broker operating a digital platform plus licensed broker support. Comparable to Axton as a retail residential mortgage broker intermediating between borrowers and a broad lender panel, but competing with a heavier tech investment.
• Loan Market Group: National mortgage broker group with a large aggregated broker network and similar relationship-led distribution. Comparable to Axton on business model (commission-based broker intermediation) and target market (Australian residential borrowers).
• Yellow Brick Road: Australian financial services group providing mortgage broking, wealth, and accounting services. Overlaps directly with Axton on residential and investment mortgage broking and shares a similar focus on advice-led rather than transactional service.
• Smartline Personal Mortgage Advisers: Major Australian mortgage broker network (part of the NAB-linked Aussie group) serving individual and investment borrowers. Comparable to Axton on lender-aggregated residential lending intermediation and cross-sell into investment property finance.
• Mortgage Choice: Long-established Australian retail mortgage brokerage owned by REA Group, offering residential and investment lending across a wide lender panel. Directly comparable to Axton's residential purchase, refinance, and investment loan offering.

Emerging players

• Athena Home Loans: Australian digital mortgage lender using a tech-driven, customer-facing model. Competes with Axton for retail mortgage volume but bypasses the broker intermediation layer, putting structural pressure on broker margins.
• Tic:Toc: Australian digital mortgage lender and broker platform focused on streamlined online home loan origination. Partial overlap with Axton on retail purchase and refinance but competes via a fully automated experience rather than broker-led advice.

Others

• Connective Home Loans: Mortgage aggregator that Axton is accredited with; provides lender panel access, compliance support, and back-office tooling. Relevant as the upstream infrastructure layer that enables Axton's broker operations.
• Australian Finance Group (AFG): Large Australian mortgage aggregator providing broker accreditation, lender panel access, and technology. Comparable as the ecosystem infrastructure that brokers like Axton depend on, rather than a direct consumer-facing competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/axtonfinance
• Facebookfacebook.com/axtonfinance
• LinkedInlinkedin.com/company/axton-finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Axton Finance