What Smartmove Professional Mortgage Advisors does

Smartmove Professional Mortgage Advisors is an Australian mortgage brokerage operating as the specialist lending service of Viridian Financial Group Ltd, headquartered in Neutral Bay, NSW with a second office opened in Sutherland in June 2025. The firm (legal entity Smart Move Home Loans Pty Ltd) intermediates between individual borrowers and a panel of 30+ lenders spanning major banks, credit unions, and non-bank lenders, providing advisory and loan-processing services across home loans, investment property finance, mortgage refinance, SMSF lending, car finance, personal loans, and commercial lending. Its technology stack centers on the Smartmove Connect client portal (MFA-authenticated, onshore-encrypted), a suite of 16 public-facing financial calculators, and a standard CRM/content infrastructure; there are no proprietary AI, API, or SDK products disclosed. Customer-facing delivery is human-advisory-driven, with dedicated personal brokers supported by the broader Viridian Advisory network of 100+ advisers across Australia.

The business model is commission-based: lenders pay Smartmove for introducing and processing loan applications, while services are provided at no cost to clients. Go-to-market is direct-to-consumer via word-of-mouth referrals, the company website, social media (Facebook), and earned media from industry awards, with no paid acquisition channels disclosed. Customer segments span individual homebuyers, property investors, self-employed borrowers, and commercial clients. The firm holds Australian Credit Licence No. 388090 and complies with the NCCP Act, Privacy Act, Spam Act, and AML/CTF Act. The company has accumulated 26+ industry recognitions since 2010, including two Australian Mortgage Awards 'Brokerage of the Year' wins (2010, 2020), multiple 'Best Customer Service' awards, and consistent Top-10/Top-25 placements in MPA Magazine and The Adviser rankings from 2014-2025.

Name

Smartmove Professional Mortgage Advisors

Legal name

Smart Move Home Loans Pty Ltd

Website

https://smartmove.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Smartmove Professional Mortgage Advisors is an Australian mortgage brokerage serving individual homebuyers, refinancers, and property investors nationwide. It operates as the specialist lending arm of Viridian Financial Group, intermediating loans across a panel of 30+ lenders via a free-to-client, commission-based advisory model.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage brokerage services
• Home loan advisory
• Investment property lending
• Mortgage refinancing
• Commercial lending solutions

Headquarters

HQ city

Neutral Bay

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: Lenders pay Smartmove commissions for introducing new loan applications and processing work. This is the primary revenue stream. The company handles all the work that would otherwise be done by bank staff. No additional fees or higher rates are charged to clients for using the broker service.
2. Free Client Services: Home loan services are provided at no cost to clients. All business is generated via customer advocacy and word-of-mouth advertising.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Smartmove Professional Mortgage Advisors is an Australian mortgage brokerage that helps individuals and property investors secure home loans, refinance existing mortgages, and arrange investment, SMSF, commercial, car, and personal loans through a panel of over 30 lenders. Services are provided free of charge to clients, with the firm earning commission from lenders for loan introductions and ongoing rate reviews.

Product overview

Smartmove Professional Mortgage Advisors is a mortgage brokerage firm operating as the specialist lending service of Viridian Financial Group. The company offers a unified suite of mortgage and finance products centered around home loans, investment property financing, mortgage refinance, SMSF loans, car finance, personal loans, and commercial lending. The offering is supported by a comprehensive digital toolkit including 16 online calculators and the Smartmove Connect client portal. Professional development is provided through the Smartmove Broker Academy program.

Differentiator

Problem solved

Functional benefit

Brands

• Smartmove Connect: Client portal platform for secure document upload with Multi-Factor Authentication.
• Smartmove Academy

Products and services

• Home Loans Residential mortgage brokerage services for purchasing property, including standard home loans and options tailored for self-employed borrowers, advised through Smartmove's panel of over 30 lenders.
• Investment Property Loans Specialised investment loan products and structuring/negotiation services for clients building property portfolios, sourced from Smartmove's panel of over 30 lenders.
• Mortgage Refinance Comprehensive refinancing brokerage to help clients switch lenders and secure more competitive rates and packages, negotiated across Smartmove's panel of over 30 lenders.
• SMSF Loans Self-Managed Super Fund lending solutions for property investment through superannuation, brokered across Smartmove's lender panel.
• Car Finance Automotive financing brokerage solutions for vehicle purchases, sourced from Smartmove's lender panel.
• Personal Loans Unsecured and secured personal lending options, brokered through Smartmove's lender panel.
• Commercial Lending Business and commercial property financing solutions brokered through specialist commercial lenders within Smartmove's panel.
• Smartmove Connect Client Portal Secure client portal for safe upload of supporting documents using multi-factor authentication, providing a digital channel for Smartmove clients to share loan application materials.
• Smartmove Broker Academy Professional development and training program for mortgage brokers, providing industry-leading training and growth opportunities. Named finalist for MFAA Professional Development Award for four consecutive years.

Quantifiable outcome

• Saved clients over $1,000,000 in annual interest savings in 2019, averaging $1,801 per client
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• Viridian Financial GroupcoreStrategic or Co-development PartnerSmartmove is the specialist lending service of Viridian Financial Group. Through this relationship, Smartmove has access to Viridian Advisory network of over 100 advisers across Australia who work alongside clients to develop and execute financial strategies.
• AFG (Australian Finance Group)coreChannel Partner/ Reseller/ DistributorAggregator partner providing access to lending panel and broking infrastructure. Smartmove has won multiple AFG Broker Awards including Champion Brokerage of the Year.
• Major Banks and LenderscoreChannel Partner/ Reseller/ DistributorPanel of over 30 lenders including major banks such as Bank of Melbourne, credit unions like CUA, Firefighters Mutual Bank, Health Professionals Bank, and non-bank lenders including Resimac, Prospa, Pepper Money, Latitude Financial Services, and others.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Mortgage Choice: Australian retail mortgage brokerage with a national adviser network offering home loans, investment loans, and refinancing across a broad lender panel — directly comparable to Smartmove's core residential mortgage broking model.
• Mortgage Ezy: Australian mortgage brokerage specializing in residential lending, refinancing, and investment loans with panel lender access — comparable mid-market independent brokerage competing with Smartmove for similar customer segments.
• Loan Market Group: One of Australia's largest mortgage broker groups with a national network offering residential and investment lending, refinancing, and SMSF — directly comparable scale, product breadth, and aggregator-style distribution.
• Astute Financial Group: Australian mortgage and finance brokerage with a multi-adviser network offering home loans, investment lending, and commercial finance — competes head-to-head with Smartmove for residential and investment borrowers.
• n1 (formerly National 1): Australian mortgage broker with a national team providing residential and investment lending — comparable independent broker model targeting similar homebuyers, investors, and refinancers.

Emerging players

• RateMyAgent: Australian real estate agent comparison platform that has expanded into vendor-lead mortgage referrals — adjacent marketplace intersecting Smartmove's borrower-acquisition funnel at the top of the funnel.

Broad incumbents

• Finsure: Australian mortgage and finance aggregator providing panel lender access, broker support, and white-label solutions — competes in the same broker-aggregation value chain that determines Smartmove's commissions and platform economics.
• AFG (Australian Finance Group): Australia's largest mortgage aggregator and a competitor in consumer lending via AFG Home Loans — Smartmove's aggregator partner but also a competitive broker brand with materially greater broker-network scale.
• Connective: Major Australian mortgage and commercial finance aggregator offering broker support, lender panel access, and aggregation services — competes with AFG for broker aggregation share and indirectly shapes Smartmove's economics.
• Aussie Home Loans: Australia's largest retail mortgage broker with ~1,000 brokers, retail storefronts, and a broad lender panel — overlaps Smartmove's residential broking proposition but at materially greater scale and with proprietary retail-brand economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/SmartmoveProfessionalMortgageAdvisors

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 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 Smartmove Professional Mortgage Advisors