Madd Loans

What Madd Loans does

Madd Loans is a Brisbane-headquartered mortgage brokerage founded in 2013 by George Samios. The firm operates across four integrated verticals: Madd Loans (residential mortgage broking), Madd Commercial (commercial property and business lending), Madd Vehicle & Asset Finance (car, equipment, and asset finance), and Madd Life (financial planning, superannuation, and SMSF advice). Its core function is intermediating between Australian consumers and a panel of 30+ banks and lenders, including Commonwealth Bank, Westpac, Macquarie, ANZ, NAB, Suncorp, ING, and others, to source home loans, investment loans, refinancing, commercial finance, and asset finance. The team of 40 brokers and support staff serves clients across Australia, with a demonstrated cumulative base of 2,000+ individuals facilitated and 1,000+ five-star Google reviews. The company is privately held under Madd Residential Pty Ltd and is regulated as a credit representative.

The business model is primarily commission-based, with lenders paying the broker on settlement of each loan (standard for Australian mortgage broking). Madd Loans also collects direct fees on smaller-balance loans (under $200,000 at $2,200 incl. GST), SMSF loans ($3,850 incl. GST), and certain commercial mandates negotiated on a case-by-case basis. The go-to-market is relationship- and education-led: founders and brokers run First Home Buyer and Investor workshops, school financial literacy programs, Lunch & Learn workplace sessions, a podcast (Unlock Your Potential), and a YouTube channel, supplemented by mainstream media appearances (Channel 9, Channel 7, ABC, B105 Radio). The firm has been recognized with multiple industry awards, including QLD-NT Brokerage of the Year (>5 Brokers) and Finance Broker of the Year QLD_NT at The Adviser Better Business Awards 2026, reinforcing its strong brand in Queensland. There is no proprietary technology product; operations are powered by lender systems and internal proprietary processes for client matching and loan structuring.

Name

Madd Loans

Legal name

Madd Residential Pty Ltd

Website

https://madd.com.au

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

Madd Loans is a Brisbane-headquartered Australian mortgage brokerage with 40 staff, 30+ lender partners, and four operating verticals (residential, commercial, asset finance, and financial planning) serving consumer and small-business clients across Australia.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage broking services
• Home loan lending
• Commercial finance brokerage
• Asset finance services
• Financial planning advice

Headquarters

HQ city

Seven Hills

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. Commission from lenders: The primary revenue stream comes from commissions paid by banks and lenders when loans are settled. This is a standard model in the Australian mortgage broking industry where lenders pay brokers a commission for originating loans.
2. Loan origination fees: In some circumstances, fees are charged for services. Loans under $200,000 incur a fee of $2,200 (including GST) as commission alone is not sufficient to cover expenses for these smaller loans amounts. Self-managed super fund (SMSF) loans charge $3,850 (including GST) due to the additional time required for preparation, liaison with accountants/lawyers, and specialized lenders.
3. Commercial loan fees: Commercial loans are handled on a case-by-case basis where some lenders pay a brokerage fee while others prefer the broker to charge the client via a mandate. The broker discusses this upfront with clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Madd Loans is a Brisbane-based mortgage brokerage that connects individual and business clients with over 30 Australian banks and lenders to arrange residential home loans, commercial property finance, vehicle and asset finance, and refinancing. The firm operates four primary service divisions: Madd Loans (residential home loans), Madd Commercial (business and commercial lending), Madd Vehicle & Asset Finance (car loans and equipment finance), and Madd Life (financial planning and SMSF advisory). Services are delivered by a team of around 40 brokers and support staff, primarily compensated via lender commissions rather than direct client fees in most cases.

Product overview

Madd Loans operates as a multi-service financial brokering firm headquartered in Brisbane, Australia, offering services across four primary divisions: Madd Loans (residential mortgage brokering), Madd Life (financial planning and wealth management), Madd Commercial (commercial property and business lending), and Madd Vehicle & Asset Finance (automotive and equipment financing). The core residential offering encompasses first home buyer loans, investment property financing, refinancing solutions, and specialized lending for various professional demographics. Madd Life provides retirement planning, succession planning, SMSF property investment, and wealth protection services. The commercial division handles business acquisitions, rural property purchases, and development funding. Asset finance covers vehicles, boats, caravans, and business equipment. The company supplements its brokering services with educational workshops, financial calculators, school-based literacy programs, and community engagement initiatives.

Differentiator

Problem solved

Functional benefit

Products and services

• Madd Loans (Residential Home Loan Broking) Residential mortgage broking service matching Australian borrowers with home loans from 30+ lenders, including first home buyer loans, investment property loans, refinancing, and specialized lending for professionals (doctors, nurses, accountants, lawyers, sporting professionals, self-employed).
• Madd Life (Financial Planning) Financial planning division offering retirement planning, wealth protection, succession planning, investment advice, and SMSF property purchase guidance through Madd Life Pty Ltd (AFSL 389206).
• Madd Commercial Commercial lending brokerage arranging commercial property loans, business acquisition financing, rural property purchases, property development funding, and specialized lending for accountants, doctors, childcare operators, business owners, commercial property investors, lawyers, property developers, builders, and real estate agents.
• Madd Vehicle & Asset Finance Asset finance brokerage arranging car loans (new, used, dealer, private sale), personal loans, equipment finance, caravans, boats, and refinancing across Australia.
• First Home Buyer Workshop Educational workshop designed to help first home buyers understand the borrowing process, deposits, government incentives, and purchasing strategies.
• Investor Workshop Educational workshop teaching investors how to use equity, strategy, and smart investing principles to build a property portfolio.
• Financial Literacy Initiative (School Workshops) School workshops providing students with essential financial skills and knowledge about homeownership and property market fundamentals.
• Lunch & Learn Sessions Free educational sessions held at workplaces, providing pizza and financial freedom information to teams interested in learning about mortgages and finance.
• Work Experience Program A work experience program offering hands-on exposure to residential and commercial lending, financial planning, and customer service within the finance industry.
• Free Property Valuations Complimentary property valuation service provided to help clients understand property values when searching for their dream home.

Quantifiable outcome

• Over 2,000 individuals facilitated with financing
• +2 more outcomes

Named customers10 records

Segments8 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

19 partnerships are on record, tiered core, flagship and minor.

• Commonwealth BankcoreChannel Partner/ Reseller/ DistributorCommonwealth Bank is one of the 30+ lenders in Madd Loans' network, providing home loan, investment loan, and refinancing options to Madd clients.
• WestpaccoreChannel Partner/ Reseller/ DistributorWestpac is a major lender partner in Madd's network offering competitive home loan products.
• Macquarie BankcoreChannel Partner/ Reseller/ DistributorMacquarie Bank is a key lending partner providing specialized loan products through Madd's brokerage network.
• ANZcoreChannel Partner/ Reseller/ DistributorANZ is one of the major banks in Madd's lender network, offering home loans and investment property financing.
• National Australia Bank (NAB)coreChannel Partner/ Reseller/ DistributorNAB is a major lender partner providing home loan and commercial finance options.
• SuncorpcoreChannel Partner/ Reseller/ DistributorSuncorp provides home loan products through Madd's network.
• INGcoreChannel Partner/ Reseller/ DistributorING is a lender partner offering competitive rates for home loans through Madd.
• St George BankcoreChannel Partner/ Reseller/ DistributorSt George Bank is part of the banking network accessible through Madd Loans.
• BankwestcoreChannel Partner/ Reseller/ DistributorBankwest provides home loan products through Madd's network.
• Teachers Mutual BankcoreChannel Partner/ Reseller/ DistributorTeachers Mutual Bank is a lender partner offering competitive banking products.
• Heritage BankcoreChannel Partner/ Reseller/ DistributorHeritage Bank is a lender partner in Madd's network.
• Children's Hospital FoundationflagshipStrategic or Co-development PartnerMajor charitable partner. Madd and the Brisbane community raised $325,522 at the 2025 Madd Ball for the Children's Hospital Foundation. This is the company's flagship annual charity event demonstrating commitment to community impact.
• Paniyiri FestivalcoreStrategic or Co-development PartnerSponsorship and support of Brisbane's Paniyiri Greek festival. Madd has supported this local community event for multiple years (50th anniversary in 2026).
• Villanova CollegeminorStrategic or Co-development PartnerSupport for Villanova College community events and activities.
• Easts Football ClubminorStrategic or Co-development PartnerSponsorship and support for Easts Football Club community sports.
• B105 RadiocoreGTM or Marketing PartnerMedia partnership for the $100K Cash Splash competition. Madd and B105 collaborated for Brisbane's biggest radio competition with 169 people winning cash prizes.
• Channel 9 (Nine Network)coreGTM or Marketing PartnerMedia partner for interviews and news coverage. Madd has been featured on Channel 9's Today Show and other programs discussing property ownership, home loans, and market trends.
• ABC AustraliacoreGTM or Marketing PartnerFeatured on ABC news discussing property market topics and first home buyer issues.
• Channel 7coreGTM or Marketing PartnerMedia partner for interviews on property and finance topics.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Others

• Heritage Finance / Heritage Bank: Australian bank listed as a lender partner in Madd's panel. Included as an ecosystem participant illustrating the lender-side counterparties in Madd's broker distribution model.

Direct peers

• Loan Market Group: Australian mortgage broker aggregator with a large broker network and multi-brand structure. Comparable to Madd in business model (broker intermediation across multiple lenders) and target segments (home buyers, investors, refinancers).
• Yellow Brick Road: Australian mortgage broking and wealth advisory group offering home loans, commercial loans, and financial planning. Directly comparable to Madd's multi-brand structure spanning residential, commercial, and wealth services.
• Mortgage Choice: One of Australia's largest mortgage broker franchises, operating a similar aggregator/franchise model with access to a broad lender panel. Directly comparable in offering (residential mortgage broking) and customer base (Australian home buyers and investors).
• Aussie Home Loans: Major Australian mortgage broker retailer with a large broker network, store footprint, and access to a wide lender panel. Closest direct competitor to Madd's residential broking business with similar product breadth and education-led brand.
• Smartline Personal Mortgage Advisers: Australian mortgage broker network offering residential and investment lending advice via a panel of lenders. Comparable to Madd in broker-led intermediation model and home loan focus.
• Astute Financial Management: Australian financial advisory and mortgage broking group with a multi-adviser model offering home loans, financial planning, and wealth services. Directly comparable to Madd's Madd Loans + Madd Life combined offering.

Emerging players

• Lendi: Australian digital mortgage broker/aggregator with an online application experience and broad lender panel. Competes with Madd on the broker intermediation model but differentiates through a digital-first, self-service UX.

Broad incumbents

• Commonwealth Bank of Australia: Australia's largest bank and one of Madd's 30+ lender partners. Competes indirectly through its own direct home loan channels while simultaneously being a key distribution partner for Madd's brokerage business.
• Westpac Banking Corporation: Major Australian bank and Madd lender partner with broad retail and commercial banking products. Represents the direct-lender alternative that Madd competes against while also sourcing loan volume from.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/maddloans
• YouTubeyoutube.com/user/maddfinance
• Facebookfacebook.com/maddloans
• LinkedInlinkedin.com/company/my-address-finance
• Instagraminstagram.com/madd_loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries3 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 Madd Loans