Pacific Mortgage Group

What Pacific Mortgage Group does

Pacific Mortgage Group is a Sydney-based, privately-held Australian mortgage broker operating as Pacific Mortgage Group Pty Ltd under Australian Credit Licence #364320. Founded in 2000 by Alex Haditaghi, the company has continuously operated for over 25 years and self-describes as one of Australia's largest online mortgage providers, operating from a small (1-10 employee) team and a Concord, NSW mailing presence. The product portfolio centers on four core categories: Owner Occupied Variable Home Loan (5.84% pa at 80% LVR), Investment Variable Home Loan (5.99% pa), Fixed Home Loans (1-4 year terms from 6.14% pa), and Construction Home Loan (up to A$5,000,000 at 80% LVR), supplemented by refinancing, Lo-Doc Loans, interest-only options, and commercial and development funding. Ancillary tools include a basic loan repayment calculator.

The business operates a direct-to-consumer distribution model with no disclosed branch network, no mobile application, and no public or partner-facing API; loan applications are submitted via downloadable PDFs, the pmgonline.com.au website, and a phone line (1300 888 531). Pricing is built around rate competitiveness and a fee-free structure (nil application, valuation, and ongoing fees; unlimited free redraws and extra repayments; free salary crediting), with revenue generated from the interest spread and broker commissions on originated mortgages rather than balance-sheet lending. Customer segments span owner-occupiers, residential investors, construction borrowers, and fixed-rate seekers within Australia, with marketing conducted through the company website, phone, historical earned media (Channel 7/9/10, Sunday Telegraph), and a Sydney Roosters NRL sponsorship.

The firm's principal differentiator is its accumulated award portfolio: 30+ gold medals over 25 years, Money Magazine's Cheapest Home Loan (2010-2019), Canstar Cannex 5-Star Outstanding Value (2010-2021), four Rate City Gold Awards in 2021, and Mortgage of the Year from Your Mortgage Magazine. No proprietary technology platform, AI capabilities, institutional backing, or management team beyond the founder is disclosed, and the operational footprint is single-country (Australia) with no expansion, hiring, or funding signals visible in the available data.

Name

Pacific Mortgage Group

Legal name

Pacific Mortgage Group Pty Ltd

Website

https://pmgonline.com.au

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Mortgage Group is a Sydney-based Australian mortgage broker established in 2000, offering owner-occupied, investment, fixed-rate, and construction home loans to Australian retail consumers via direct-to-consumer website and phone channels, operating under Australian Credit Licence #364320.

Ownership category

akta.pro rank

Product category

Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), 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), Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Jumbo / Non-Conforming Mortgage Origination (FSALAAAH), Call Center / Tele-Sales Mortgage Origination (FSALAAAC)

Keywords

• Home loan products
• Mortgage lending services
• Online mortgage broker
• Fixed rate mortgages
• Investment property loans

Headquarters

HQ city

San Diego

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Lending Interest Spread: Pacific Mortgage Group generates revenue through the interest spread on their mortgage products. They offer owner occupied variable (5.84%), investment variable (5.99%), construction (5.99%), and fixed rate loans (from 6.14%), earning interest income from borrowers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Pacific Mortgage Group is an Australian mortgage broker (Pty Ltd) that originates and distributes home loan products directly to consumers. Its portfolio covers owner occupied variable loans, investment variable loans, fixed rate loans on 1-4 year terms, construction loans up to $5,000,000, Lo-Doc loans, interest-only loans, and commercial and development funding, with refinancing and debt-consolidation as additional use cases. Distribution is delivered through a self-service website at pmgonline.com.au and a dedicated phone line (1300 888 531), with the value proposition built on lowest published rates and a fully fee-free structure (no application, valuation, or ongoing fees).

Product overview

Pacific Mortgage Group is a Sydney-based mortgage broker established in 2000, offering a unified mortgage lending platform. The product portfolio centers on four core home loan categories: Owner Occupied Variable Home Loan, Investment Variable Home Loan, Fixed Home Loans (1-4 year terms), and Construction Home Loan. Additional specialized products include Lo-Doc Loans, Commercial and Development Funding, and refinancing options. All products feature competitive variable or fixed interest rates with fee-free structures including nil application, valuation, and ongoing fees. The company also provides ancillary tools including a Loan Repayment Calculator. Loans are available up to 80% LVR with maximum loan amounts reaching $5,000,000 for construction products.

Differentiator

Problem solved

Functional benefit

Products and services

• Owner Occupied Variable Home Loan A variable-rate home loan for owner occupied properties, priced from 5.84% p.a. (comparison rate 5.85%) with no application, valuation, or ongoing fees, unlimited free redraw, unlimited extra repayments, flexible repayment frequency, and free salary crediting; targeted at Australian consumers purchasing or refinancing a primary residence.
• Investment Variable Home Loan A variable-rate home loan for residential investment properties, priced from 5.99% p.a. (comparison rate 6.00%) with no application, valuation, or ongoing fees, unlimited free redraw, unlimited extra repayments, flexible repayment frequency, and free salary crediting; targeted at Australian property investors.
• Fixed Home Loans Fixed-rate home loans available on 1 to 4 year fixed terms, providing borrowers with rate certainty in exchange for fixed repayment obligations during the fixed period; targeted at Australian owner occupiers and investors who want protection from interest rate movements.
• Construction Home Loan A construction home loan with lending capacity up to $5,000,000, providing progressive drawdowns as building milestones are reached; targeted at Australian owner occupiers and investors building a new home or undertaking a substantial rebuild.
• Refinancing Service Refinancing service that switches an existing Australian home loan to a Pacific Mortgage Group variable, fixed, or construction loan to capture lower rates, eliminate ongoing fees, consolidate debt against home equity, or change loan features; targeted at Australian households holding an existing mortgage.
• Lo-Doc Loans Low-documentation home loans with simplified income verification requirements; targeted at self-employed borrowers, contractors, and other Australian applicants who cannot easily produce full income documentation.
• Commercial and Development Funding Commercial and property development funding for Australian small businesses, developers, and investors undertaking commercial property acquisition or development projects; offered alongside the company's residential home loan range.
• Interest Only Loans Interest-only home loan repayment option available across Pacific Mortgage Group's variable and fixed loan products, allowing Australian borrowers to service only the interest component for a defined period; commonly used by property investors to maximise tax-deductible interest and by owner occupiers managing short-term cash flow.

Quantifiable outcome

• Awarded over 30 gold medals for home loan products over 25 years
• +3 more outcomes

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Sydney RoostersminorOthersPacific Mortgage Group is a proud sponsor of the Sydney Roosters NRL rugby league team. This is a community/marketing sponsorship relationship focused on brand visibility and community engagement.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Yellow Brick Road: Australian mortgage and wealth advisory group offering residential, investment, construction, and commercial loans through advisers and brokers. Comparable multi-product broker model with similar customer segments.
• Loan Market Group: Large Australian mortgage broker aggregator with thousands of brokers providing residential and investment home loans across Australia. Comparable business model with multi-product (residential, commercial, construction) focus.
• Mortgage Choice: Listed (previously) Australian mortgage broker franchise network offering owner-occupier, investment, and refinancing products through a distributed broker model. Comparable on product breadth, lender panel access, and award-driven brand positioning.
• Aussie Home Loans: Australia's largest retail mortgage broker with a national branch and broker network offering residential, investment, and construction loans. Directly comparable to PMG as a consumer-facing broker emphasising rate competitiveness and personal service.

Broad incumbents

• Commonwealth Bank of Australia: Australia's largest mortgage lender and dominant Big-4 bank with a full owner-occupied, investor, fixed, and construction product range. Sets the rate and benchmark against which PMG's no-fee, lowest-rate positioning is measured.
• Westpac: Major Australian bank with a large retail mortgage book across variable, fixed, and investment loans. Competes indirectly as a principal lender whose broker panel decisioning and published rates shape PMG's rate competitiveness.

Emerging players

• Tic:Toc: Australian fully online lender offering instant home loan decisions and ongoing digital servicing. Competes in the same owner-occupied and investor segments PMG serves, but through technology-driven origination that bypasses broker commission costs.
• Athena Home Loans: Australian digital-first mortgage lender offering variable and fixed home loans with fully online origination. Comparable product set (variable/fixed owner-occupied and investment), but competing via direct end-to-end digital experience rather than brokerage.
• UBank (NAB digital brand): Australian digital-first bank (subsidiary of NAB) offering low-rate home loans directly to consumers with a fully online application. Competes head-to-head on headline rate and zero-fee positioning central to PMG's differentiation.
• Houses Pty Ltd (trading as 'Houses'): Smaller Australian online-focused mortgage broker operating in similar owner-occupied and investor segments. Comparable as a digitally-distributed competitor operating without branch infrastructure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PacificMortgageGroup
• LinkedInlinkedin.com/company/pacific-group-mortgage-inc

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 Pacific Mortgage Group