The Home Loan Advisory

What The Home Loan Advisory does

The Home Loan Advisory is an Australian mortgage broking firm founded in 2009 and headquartered in Crows Nest, Sydney, operating under Australian Credit Licence 387394. The firm serves home buyers, property investors, and homeowners seeking rapid debt reduction, with access to 25+ lenders and 800+ loan products through AFG aggregator membership and 30+ individual lender accreditations held by Principal Andrew Krauksts. Its core offering, branded the 'Total Home Loan Solution,' combines loan sourcing with loan structuring, bank account setup, budgeting support, proactive 6-month loan reviews, and a written performance guarantee, distinguishing it from brokers that only match rates.

The firm's go-to-market is sales-led, anchored by free lead magnets (a Report & Video Series, 19 financial calculators, and a 30-minute Home Loan Strategy Session) that feed into phone-based consultations. A two-tier referral program pays business partners $100–$500 and existing clients $300 per settled loan, supplementing direct and organic channels. Revenue is generated through upfront and trail commissions paid by lenders on settled loans; the firm has facilitated in excess of $320 million in home and investment loan approvals since inception. Operations are supported by a small team led by Krauksts alongside a Client Service Manager, with the business running as a privately held, non-VC-backed professional services firm.

Name

The Home Loan Advisory

Legal name

The Home Loan Advisory

Website

https://thehomeloanadvisory.com.au

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

The Home Loan Advisory is a Sydney-based Australian mortgage brokerage that helps home buyers, property investors, and indebted homeowners source and structure low-cost loans from 25+ lenders. It earns lender commissions and supplements client acquisition via a referral partner program and free educational lead magnets.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Debt Advisory & Financing Advisory (FSAEAGAD), Loss Mitigation & Home Retention Servicing (Modifications/Forbearance/Repayment Plans) (FSALAEAG)

Keywords

• Mortgage broking services
• Home loan advisory
• Loan structuring
• Property investment loans
• Debt reduction services

Headquarters

HQ city

Sydney

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, Others

Revenue model

1. Broker Commission from Lenders: The Home Loan Advisory operates as a mortgage broker earning commissions from lenders when clients settle loans. Major banks and lenders pay brokers commission for placing loans.
2. Referral Fees: The company pays referral fees to business partners who refer home loan clients ($100-$500 per successful referral based on loan size). This is a cost of customer acquisition through partner channels.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

The Home Loan Advisory is an Australian mortgage brokerage that locates genuine low-cost home loans from a panel of 25+ lenders and 800+ products, then structures the loan and the client's banking, budget and repayments to minimise total interest. Service is delivered through a free 30-minute Home Loan Strategy Session and a written performance guarantee of minimum $160,700 interest savings plus 8 years 6 months off a representative $350,000 loan at 7%.

Product overview

The Home Loan Advisory is a mortgage broking service offering a unified Total Home Loan Solution that combines loan sourcing with financial structuring support. The core offering consists of mortgage broking services for home buyers, property investors, and debt reduction, supported by access to over 20 lenders and 800+ loan products. Supplementary offerings include a Free Report & Video Series educational product, a 30 Minute Home Loan Strategy Session consultation service, and a suite of 19 free financial calculators covering budgeting, borrowing, loan comparison, and property-related calculations.

Differentiator

Problem solved

Functional benefit

Products and services

• Total Home Loan Solution Comprehensive mortgage broking offering covering loan sourcing from 25+ lenders, loan structuring, bank-account setup, budgeting and ongoing 6-month reviews, with written guarantees of minimum interest savings and loan-term reduction.
• Home Buyers Service Mortgage broking service that locates and structures the right home loan for Australian home buyers, designed to lower total loan cost through expert structuring.
• Property Investors Service Mortgage broking service helping Australian property investors source low-cost investment loans and structure bank accounts and repayments to pay off loans faster and build a portfolio.
• Rapid Debt Reduction Service Structured debt-reduction program that uses loan structuring, automated money management and proactive 6-month reviews to save a guaranteed minimum of $160,700 over the life of a representative loan.
• 30 Minute Home Loan Strategy Session Free, no-obligation initial consultation delivered by phone that includes loan-offer assessment, borrowing-capacity evaluation, optimal mortgage structuring recommendations and process and timeline guidance.

Quantifiable outcome

• Save minimum $160,700 in interest payments
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• Mortgage Finance Association of Australia (MFAA)coreStrategic or Co-development PartnerAndrew Krauksts is a Full Member and Accredited Mortgage Consultant Member No. 11618 of MFAA. He has completed MFAA courses including Uniform Consumer Credit Code, Compliance Essentials and Privacy Act courses. MFAA membership provides professional standards, industry representation, and access to resources and training.
• AFG (Mortgage Manager)coreStrategic or Co-development PartnerAFG is described as 'the largest financial aggregator in Australia.' Andrew Krauksts is a member of AFG, providing access to aggregated lender products and broker support services.
• Credit Ombudsman Services LimitedcoreStrategic or Co-development PartnerThe company is a member of Credit Ombudsman Services Limited, providing independent dispute resolution services for clients. Professional Indemnity Insurance covers claims up to $10,000,000.
• Leading Property Investment Research FirmstrategicStrategic or Co-development PartnerPartnership with a leading Property Investment Research Firm to provide comprehensive property investment research alongside mortgage services. Ian (property adviser with $15M+ personal portfolio) provides property investment strategy advice.
• Major Australian BankscoreChannel Partner/ Reseller/ DistributorCommbank, NAB, ANZ, and Westpac (Big 4 banks) plus other major lenders. Andrew holds 30+ lender accreditations providing access to over 25 lenders and 800+ loan products.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Others

• AFG (Australian Finance Group): Australia's largest mortgage aggregator, providing lender panel access, technology, and compliance infrastructure to a network of independent brokers including The Home Loan Advisory's principal. Comparable as an industry infrastructure participant rather than a direct customer-facing competitor.

Broad incumbents

• Aussie Home Loans: Largest retail mortgage broker in Australia with a national branch network, Big 4 lender panel access, and a much broader product set including home loans, personal loans, and insurance. Directly comparable as a residential mortgage broker serving Australian consumers, but significantly larger and more diversified than The Home Loan Advisory.
• Smartline (NAB Personal Lending): Mortgage advisory business (now integrated into NAB) that originated as one of Australia's largest personal mortgage broker networks. Closely comparable to The Home Loan Advisory in core residential mortgage broking activity, but operates at substantially greater scale under a major bank owner.

Emerging players

• Mortgage Ezy: Online/digital mortgage broking challenger in Australia offering streamlined home loan comparison and application. Comparable to The Home Loan Advisory in core function (residential mortgage intermediation) but differentiated by a tech-led, lower-touch delivery model.
• Hoteliers.com.au / HashChing: Australian online mortgage broker marketplace connecting borrowers directly with brokers. Comparable to The Home Loan Advisory as a residential mortgage intermediary, but uses a digital marketplace model rather than a personal-adviser-led approach.

Direct peers

• Loan Market Group: Major Australian mortgage broker franchise and aggregation group arranging residential and investment loans across a wide lender panel. Directly comparable business model (commission-based broker intermediation) with a much larger franchise footprint than The Home Loan Advisory.
• Mortgage Choice: ASX-listed Australian mortgage broker with a franchise network of advisers arranging home loans across a broad lender panel. Operates a near-identical business model to The Home Loan Advisory (commission-based broker arranging residential and investment loans) and represents the most direct publicly traded comparable.
• Yellow Brick Road Wealth Management: Australian mortgage and wealth advisory firm offering home loans, investment lending, and broader financial planning. Comparable as a residential mortgage broker and adviser serving similar Australian home buyer and property investor segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/homeloanadvisry
• LinkedInlinkedin.com/company/the-home-loan-advisory

Compliance5 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 The Home Loan Advisory