What Outsource Financial does

Outsource Financial (legal entity: outsource Financial Pty Limited) is a privately held, boutique Australian mortgage aggregator founded in April 2010 by Tanya Sale and Andrea Tassis. Operating under Australian Credit Licence 384324 from its Drummoyne NSW head office, the company provides a national broker-aggregator platform for accredited mortgage brokers and professional referrers (such as accountants, financial planners and legal practitioners). Members can join under three flexible business models — Broker, Referrer, or Combination — designed to let them write loans, refer clients, or combine both depending on their business strategy.

The company's core technology is the proprietary ioutsource broker platform, powered by Salestrekker and offering CRM, loan origination, compliance and business management capabilities. It integrates with ApplyOnline and Simpology for electronic loan lodgement and with the in-house xSource loan-processing service (ISO 27001:2013 certified). LoanQ extends the platform into commercial and consumer asset finance origination. Sub-brands vequip (asset finance referrals) and CAPLS (commercial and private lending referrals) expand the addressable market beyond residential mortgage broking. Complementary services include the outsource Hub co-working/training facility and a film studio, plus a structured education programme of weekly ieducate sessions, complimentary 12-month new-entrant mentoring and bi-monthly in-house marketing content aligned to RBA updates.

The business model is a hybrid of recurring membership subscription fees from brokers and referrers plus affiliate/referral commissions from the in-house CAPLS and vequip referral offerings. Go-to-market is community-led and direct: the company invests heavily in member engagement (CEO Catch Ups, Coffee Clusters, Lender Days, biennial Conventions) and uses owned channels (Facebook, LinkedIn, content marketing) plus education and events to attract new members, with lender-panel diversity and bank-independence positioned as the principal differentiation versus bank-owned aggregators.

Name

Outsource Financial

Legal name

outsource Financial Pty Limited

Website

https://outsourcefinancial.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Outsource Financial is an independent Australian mortgage aggregator providing brokers and professional referrers with a proprietary broker platform, lender panel access, mentoring and in-house commercial and asset finance referral products.

Ownership category

akta.pro rank

Product category

Mortgage Aggregation Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Equipment & Asset Finance Brokerage (FSAEAEAJ)

Keywords

• Mortgage aggregation services
• Broker panel access
• Commercial lending referrals
• Asset finance referrals
• Broker education programs

Headquarters

HQ city

Drummoyne

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Membership Fees: Mortgage brokers and referrers pay membership fees to join the aggregator network, gaining access to the lender panel, software platform, training, and support services.
2. Referral Commissions: The company facilitates referral commissions through its in-house CAPLS (Commercial and Private Lending Solutions) and vequip (asset finance) referral offerings. Brokers and referrers earn commissions by referring clients for commercial loans and asset finance products.

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Outsource Financial is an independently owned Australian mortgage aggregator that provides accredited mortgage brokers and professional referrers with access to a diverse panel of lenders across residential, commercial, asset, equipment, personal, private, and insurance lending. Its core offering combines membership-based access to the lender panel with the integrated ioutsource broker software platform (CRM, loan origination, compliance), plus in-house referral products (CAPLS for commercial/private lending and vequip for asset finance) and a structured education and mentoring program.

Product overview

Outsource Financial is a mortgage aggregator offering a platform-plus-modules architecture centered on the ioutsource platform. The core ioutsource platform provides an end-to-end CRM with 12 integrated solutions for brokers. Additional modules include LoanQ (loan origination), the vequip asset finance referral offering, and CAPLS (commercial and private lending solutions). Members access the platform via a dedicated Members Portal, with integrations to external tools including Salestrekker (platform provider), ApplyOnline, Simpology, xSource (loan processing), and ActivePipe (marketing automation).

Differentiator

Problem solved

Functional benefit

Brands

• vequip: In-house asset finance referral offering for both commercial and consumer asset finance.
• CAPLS (Commercial and Private Lending Solutions)
• ioutsource
• LoanQ
• ieducate

Products and services

• ioutsource Fully integrated, end-to-end broker platform (powered by Salestrekker) that gives members a single CRM with 12 solution-based tools covering loan origination, compliance, and business management. It is the core technology offering of the aggregator, available only through Outsource Financial membership, and is designed to support consumer outcomes and regulatory obligations for accredited mortgage brokers across Australia.
• LoanQ Loan origination platform integrated with ioutsource that allows accredited brokers and members to write both commercial and consumer asset finance, enabling diversification with their existing client base and growth into new opportunities without separate specialist tools.
• vequip In-house asset finance referral offering covering both commercial and consumer asset finance, designed for brokers and referrers who want to provide asset finance to clients without the time, experience, or accreditations to do so themselves. Referrers earn commissions by passing clients to Outsource Financial's asset finance team.
• CAPLS (Commercial and Private Lending Solutions) In-house commercial and private lending referral solution for specialised and complex commercial transactions, providing access to niche lenders and experienced commercial executives with corporate banking backgrounds. Members refer clients into CAPLS to earn commissions on commercial transactions that would otherwise be difficult for individual brokers to handle.
• Members Portal Secure online portal at members.outsourcefinancial.com.au where existing members access their accounts, manage loans, and conduct broker business activities. It is the self-serve member access point tied to the Outsource Financial aggregator membership and integrates with the broader ioutsource platform.

Quantifiable outcome

• Complimentary 12-month New Entrant Mentoring Program for all new members
• +2 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• SalestrekkercoreTechnology or IntegrationSalestrekker is the independent technology provider powering the ioutsource platform — a fully integrated, end-to-end broker management system covering CRM, loan origination, compliance tools, and business management. Salestrekker also provides xSource, a cost-effective loan processing service with ISO 27001:2013 certification.
• Lender Panel (Major Banks, Second/Third Tier, Specialist Providers)coreChannel Partner/ Reseller/ DistributorOutsource Financial provides its accredited brokers access to an extensive panel of lenders across residential, commercial, asset, motor vehicle, equipment finance, personal, private funding, and insurance. The panel includes all major lenders (ANZ, CBA, Westpac, NAB, Macquarie, ING, etc.), second and third tier lenders, and specialist loan providers. ApplyOnline (AOL) and Simpology support electronic lodgement to these lenders.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Mortgage Choice (REA Group): Major Australian mortgage broker network owned by REA Group, with both franchise and aggregation models. Directly comparable in core mortgage aggregation function but with broader digital real estate integration through REA parent.
• Australian Finance Group (AFG): Australia's largest ASX-listed mortgage aggregator with thousands of brokers and a broad lender panel. Directly comparable to Outsource Financial in core function (aggregator model) but materially larger in scale, with greater technology investment capacity and broader product offerings.

Direct peers

• Connective Broker Services: One of Australia's largest mortgage aggregators, providing brokers with lender panel access, technology platforms, and compliance support. Directly comparable to Outsource Financial across membership model, lender panel structure, and broker services.
• Loan Market Group: Major Australian mortgage aggregator offering brokers lender panel access, technology, and business support. Comparable in aggregator model and target customer (mortgage brokers), though typically operating at a larger scale than Outsource Financial.
• PLAN Australia: Australian mortgage and finance aggregator providing broker and referrer support, lender panel access, and education programs. Closely comparable to Outsource in serving professional services brokers and offering flexible membership models.
• Astute Financial Management: Australian mortgage and finance aggregator supporting brokers and referrers with lender panel access, education, and compliance. Comparable in target customer base and aggregator-plus-platform value proposition.
• nMB (National Mortgage Brokers): Australian mortgage aggregator providing broker members with lender panel access, technology, and support services. Comparable to Outsource as a national aggregation model targeting independent mortgage brokers.
• Finsure Finance: Australian mortgage and asset finance aggregator offering brokers lender panel access across residential, commercial, and equipment finance. Directly comparable to Outsource in aggregation model and the multi-product lending panel, including asset finance overlap with vequip.
• Choice Aggregation Services: Australian mortgage aggregator offering broker panel access and operational support. Comparable in aggregation model and broker-member target market, though smaller in scale than Outsource Financial.

Others

• Salestrekker: Technology partner powering Outsource's ioutsource platform and xSource loan processing. Comparable as an enabling technology provider within the Australian mortgage broker ecosystem, rather than a direct aggregator competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/outsourcefinancial
• LinkedInlinkedin.com/company/outsource-financial

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Outsource Financial