Quantum Finance

What Quantum Finance does

Quantum Finance Australia Pty Ltd is an independent mortgage and finance brokerage headquartered in West Leederville, Perth, Western Australia, founded in 2004 by Gavin Harrigan. The firm operates under Australian Credit Licence Number 389083 and is structured as a trustee for the Gavin Harrigan Family Trust. Quantum Finance brokers residential home loans (with sub-types including fixed, variable, split, interest-only, introductory, line of credit, and basic), refinancing, expat home loans, construction finance, development finance, commercial loans, and motor vehicle finance, drawing on a panel of 30+ lenders spanning major Australian banks (Westpac, NAB, St. George, Suncorp) and non-bank specialists (Pepper Money, Plan Lending, P&N Bank, Keystart).

The core technology stack is minimal: the firm explicitly classifies itself as a broking service rather than a technology company, with customer-facing tools limited to standard interactive finance calculators (refinance, compound interest, rent vs buy, comparison rate). There is no proprietary lending platform, AI/ML capability, or app product. Customer acquisition is driven by content marketing through the company blog, organic SEO, Google reviews and testimonials, and direct referral networks, supported by industry recognition including Plan Australia Hall of Fame induction, 2024 Highest Volume Settled, and ANZ Premium Broker status.

The business model is commission-based: brokers earn upfront commission averaging 0.65–0.70% of loan value at settlement, plus trailing commission of approximately 0.15% of remaining loan balance annually, with optional direct client fees in complex cases. Customer segments are dominated by individual SMB borrowers — first home buyers (primary), property investors, Australian expats, and developers/commercial borrowers — served through face-to-face consultation, phone, and email channels across Western Australia with national lender reach.

Name

Quantum Finance

Legal name

Quantum Finance Australia Pty Ltd

Website

https://quantumfinance.com.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

11–50 employees

Short description

Quantum Finance is an independent Perth-based mortgage and finance brokerage broking residential, construction, development, commercial, and expat loans through a 30+ lender panel, founded in 2004 by Gavin Harrigan and serving individual SMB borrowers across Western Australia.

Ownership category

akta.pro rank

Headquarters

HQ city

Perth

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

Revenue model

1. Upfront Commission: One-time payment made by the lender when a home loan settles. Average rates are around 0.65%-0.70% of the loan amount plus GST.
2. Trailing Commission: Smaller ongoing commission paid annually, calculated as a percentage of the remaining loan balance (approximately 0.15%).
3. Direct Client Fees: Some brokers may charge a fee to their clients, especially in complex cases or when working with non-traditional lenders. However, many brokers offer services free to clients, earning income solely from lender commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels5 records

Core offering

Quantum Finance is an independent mortgage and finance broking firm based in Perth, Western Australia. The company acts as an intermediary connecting borrowers with a panel of more than 30 Australian lenders to arrange home loans, refinancing, construction finance, development finance, expat home loans, and commercial loans. It also operates as a trustee for the Gavin Harrigan Family Trust and holds Australian Credit Licence Number 389083.

Product overview

Quantum Finance is an independent mortgage broker operating in Perth, Western Australia, offering a comprehensive suite of home loan and finance broking services. The core offering centers on mortgage broking, providing access to hundreds of home loan products from a broad panel of lenders. The portfolio includes home loans (with seven sub-types: Introductory, Split Rate, Line of Credit, Interest Only, Fixed Rate, Standard Variable Rate, and Basic Variable Rate), refinancing services, expat home loans for Australian residents overseas, and specialized commercial finance products including construction finance, development finance, and commercial loans. Supplementary financial planning tools include an online calculator suite (refinance, compound interest, rent vs buy, and comparison rate calculators). The company operates as a broker intermediary, not a direct lender, connecting borrowers with lenders through its established network.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans
• Refinancing
• Expat Home Loans
• Construction Finance
• Development Finance
• Commercial Loans

Quantifiable outcome

• Over $1 billion in settled loans
• +2 more outcomes

Named customers5 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

Partnerships

Eight partnerships are on record, tiered core.

• WestpaccoreChannel Partner/ Reseller/ DistributorMajor Australian bank providing home loan products through Quantum Finance's broker panel. Customers gain access to Westpac's range of mortgage products.
• NAB (National Australia Bank)coreChannel Partner/ Reseller/ DistributorMajor Australian bank included in Quantum Finance's lender panel, offering competitive home loan products.
• St. George BankcoreChannel Partner/ Reseller/ DistributorPart of the Westpac Group, providing home loan options through Quantum Finance's broker network.
• Suncorp BankcoreChannel Partner/ Reseller/ DistributorAustralian bank offering home loan products accessible through Quantum Finance's broker services.
• Plan LendingcoreChannel Partner/ Reseller/ DistributorSpecialist lender partnered with Quantum Finance, offering various mortgage products with competitive rates.
• Pepper MoneycoreChannel Partner/ Reseller/ DistributorNon-bank lender providing home loan products for customers with complex situations or specific needs.
• P&N BankcoreChannel Partner/ Reseller/ DistributorCustomer-owned bank offering competitive home loan products through Quantum Finance's broker panel.
• KeystartcoreChannel Partner/ Reseller/ DistributorWA Government initiative offering low-deposit home loans. Has helped close to 120,000 Western Australians purchase their first homes. Quantum Finance facilitates Keystart loans for eligible first home buyers.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Connective Home Loans: Large Australian mortgage aggregator offering brokers panel lender access, technology, and back-office support. Operates upstream of brokers like Quantum Finance, providing comparable infrastructure for the broker channel.
• AFG (Australian Finance Group): One of Australia's largest mortgage broker aggregators, providing panel lender access, technology, and compliance support to thousands of brokers. Comparable as an aggregator-level peer operating in the same mortgage broker channel.
• Choice Aggregation Services: Australian mortgage broker aggregator providing broker services, panel lender access, and support infrastructure. Operates in the same mortgage broker distribution channel as Quantum Finance.
• FAST (Finance & Systems Technology): Australian mortgage aggregator providing broker panel access, technology platforms, and lender relationships. Comparable as an aggregator peer serving the same broker-to-lender distribution channel.

Direct peers

• Loan Market Group: Major Australian mortgage broker aggregation group with a national network of brokers offering home loans, commercial, and asset finance. Directly comparable multi-lender broker model with similar commission-based revenue.
• Aussie Home Loans: Large Australian mortgage broker and lender with a national franchise network offering home loans, refinancing, and personal finance services. Direct competitor to Quantum Finance in residential mortgage broking, with broader scale and brand recognition.
• Mortgage Choice: National Australian mortgage broker franchise offering home loans, car loans, and business finance. Comparable to Quantum Finance as a customer-facing broker intermediary arranging loans across multiple lender panels.

Emerging players

• Athena Home Loans: Digital-first Australian mortgage lender using technology to offer lower-rate home loans directly to consumers. Competes with brokers for the same borrower, with a differentiated online origination model that pressures traditional broker value.
• Tic:Toc: Australian online home loan lender offering instant home loan approvals through a fully digital application. Comparable borrower target market (first home buyers, refinancers) with a digital-first alternative to traditional brokers.

Regional players

• Keystart: WA Government-backed low-deposit home loan provider and a current Quantum Finance channel partner. Comparable in serving the WA first home buyer segment with a complementary, government-backed product offering.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/quantumfinance1
• Facebookfacebook.com/QuantumFinance
• LinkedInlinkedin.com/company/quantum-finance-australia-pty-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Quantum Finance