National Pacific Finance

What National Pacific Finance does

National Pacific Finance Pty Ltd, trading as Livi Lending, is an Australian mortgage brokerage founded in 2003 and headquartered in Altona, Australia. The company operates as a credit intermediary holding Australian Credit Licence 456132, connecting individual borrowers with a panel of 60+ lending institutions across home loans, construction loans, investment property loans, refinancing, and Self-Managed Super Fund (SMSF) loans. The core technology is a consumer-facing website (livilending.com.au) that hosts a suite of five rule-based financial calculators (Loan Repayments, Stamp Duty, Purchasing Power, Borrowing Capacity, Refinancing Feasibility), educational content, and a lead-capture form that routes enquiries to in-house brokers.

The firm runs a sales-led go-to-market motion centred on free initial consultations delivered by phone, email, or web booking. Brokers guide borrowers through product comparison, lender selection, application, and settlement, with a particular specialisation in construction lending (progress-payment management) and SMSF lending. Marketing is primarily organic: the website, Trustindex-verified Google reviews, and word-of-mouth referral. The firm displays multiple broker-awards finalist medals on its site but does not name the awarding bodies or years.

Revenue is generated on a commission basis: National Pacific Finance earns referral/commission fees from lending partners when customer loans settle. No subscription or fee-for-service pricing is publicly disclosed. The firm is privately held with no disclosed external investors, no parent company, no subsidiaries, and no recorded M&A activity. Headcount is reported at 11–50 employees, consistent with a small-to-mid-sized independent brokerage rather than a scaled aggregator.

Name

National Pacific Finance

Legal name

National Pacific Finance Pty Ltd

Website

https://npfs.com.au

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

11–50 employees

Short description

National Pacific Finance (Livi Lending) is an Australian mortgage brokerage founded in 2003 that connects individual borrowers with 60+ lenders across home, construction, investment, and SMSF loans, earning lender commissions on settled loans.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage broking services
• Home loan solutions
• Construction lending
• Investment property loans
• SMSF lending

Headquarters

HQ city

Altona

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. Mortgage Broking Commission: Livi Lending operates as a mortgage broker earning commissions from lenders when customers successfully settle home loans. The company compares 60+ lenders to find suitable options for customers, earning referral/commission fees from these lending partners.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

National Pacific Finance, trading as Livi Lending, is an Australian mortgage brokerage that connects individual borrowers with over 60 lenders for home loans, construction loans, investment loans, and self-managed super fund (SMSF) loans. The company provides guided broker services from initial affordability assessment through lender comparison, application management, and settlement, with specialist expertise in construction lending and SMSF structures.

Product overview

National Pacific Finance operates under the Livi Lending brand as a mortgage brokerage platform offering a unified lending service. The core offering connects borrowers with over 60 lenders through several product lines: Home Loans (including low-deposit options from 5%), Construction Loans (with specialized progress payment management), Investment Loans (for portfolio growth), and Self-Managed Super Fund (SMSF) Loans. The service is complemented by a suite of financial calculators (Loan Repayments, Stamp Duty, Purchasing Power, Borrowing Capacity, and Refinancing Feasibility) to help customers understand their borrowing capacity and options. The company provides broker-assisted guidance throughout the loan process, from initial consultation through to settlement.

Differentiator

Problem solved

Functional benefit

Products and services

• Livi Lending Mortgage Brokerage Core mortgage broking brand operated by National Pacific Finance Pty Ltd. Connects individual borrowers with over 60 lending institutions for residential and investment property loans. Provides guided consultation, lender comparison, application management, and settlement support.
• Home Loans Mortgage products for first home buyers and existing homeowners, including options with deposits as low as 5% for eligible buyers. Broker-assisted access to 60+ lenders for purchase and refinance needs.
• Construction Loans Specialized lending for building new homes, featuring progress payment management, build timeline support, and lender requirement coordination from pre-approval through completion. Targeted at customers building new homes.
• Investment Loans Mortgage products for purchasing investment properties and growing property portfolios, including guidance on loan options and the application process for first-time and experienced investors.
• Self-Managed Super Fund (SMSF) Loans Lending solutions for self-managed superannuation funds, structured to suit long-term retirement investment plans. Guidance on what is possible within superannuation rules.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• 60+ Lending InstitutionscoreChannel Partner/ Reseller/ DistributorLivi Lending partners with over 60 lending institutions to provide mortgage broking services. These lender partners provide the loan products that Livi Lending offers to customers seeking home loans, construction loans, investment loans, and SMSF lending solutions.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Aussie Home Loans: Australia's largest retail mortgage broker and aggregator, offering home loans, refinancing, and construction lending through a national branch and broker network. Directly comparable to Livi Lending on customer segments, product set, and commission-based revenue model.
• Loan Market Group: Australia's largest mortgage aggregator, supporting a network of brokers with access to a wide lender panel. Direct competitor to Livi Lending on the broker-driven intermediation model.
• Mortgage Choice: National Australian mortgage broker (now part of REA Group) offering home, investment, and construction loans across a large lender panel. Closely comparable to Livi Lending on customer base, lender-panel intermediation, and product breadth.
• Lendi: Digital-first Australian mortgage broker comparing lenders online and providing broker-assisted service. Comparable to Livi Lending on intermediation and lender-panel comparison, with a stronger technology layer.
• Smartline Personal Mortgage Advisors: National Australian mortgage broker network offering home, investment, and construction lending. Directly comparable on customer segments, product set, and commission-based model.
• AFG (Australian Finance Group): Large Australian mortgage aggregator and white-label lender working with a national broker network. Comparable on intermediation model and broad lender panel.

Emerging players

• HashChing: Online mortgage-broker marketplace in Australia connecting borrowers with brokers. Comparable to Livi Lending as a mortgage intermediation channel, with a different (marketplace) acquisition model.
• Uno Home Loans: Digital mortgage broker in Australia focused on investment and owner-occupier lending with an online-first experience. Overlaps with Livi Lending on investment-loan focus but competes via a leaner digital model.

Broad incumbents

• Commonwealth Bank of Australia (Broker channel): Australia's largest mortgage lender with an extensive third-party broker channel. Comparable on home-loan products and refinance market, though it operates from a balance-sheet lender position rather than a pure broker model.

Others

• RateCity: Australian financial comparison site covering home loans, refinancing, and mortgage brokers. Adjacent to Livi Lending as a customer-acquisition channel and competitive comparison surface, though it does not originate loans.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/National-Pacific-Finance-292574658319312
• LinkedInlinkedin.com/company/national-pacific-finance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 National Pacific Finance