Aussie Finance and Home Loans

Name

Aussie Finance and Home Loans

Legal name

Aussie Finance & Home Loans

Website

https://afhl.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

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

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Mortgage Refinance & Rate/Term Intermediation (FSAEAEAC), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage services
• Home loan facilitation
• Refinance advisory
• Property investment loans
• Vehicle finance broking

Headquarters

HQ city

Blacktown

HQ country

Australia

HQ region

Oceania

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Commission: AFHL earns commission from lenders when mortgage loans are settled. Brokers receive upfront commission and ongoing trail commission for the life of the loan. This is the primary revenue stream for mortgage brokers in Australia.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Aussie Finance and Home Loans (AFHL) is an Australian mortgage brokerage that arranges home loans, refinances, property investment loans, vehicle and business loans, house and land packages, and SMSF lending by matching borrowers with a panel of 28+ lenders. Brokers are compensated through upfront and trail commissions paid by lenders rather than direct fees to customers. The firm supplements its advisory services with a suite of online financial calculators and operates from seven offices across Australia.

Product overview

Aussie Finance and Home Loans operates as a mortgage brokering platform that connects borrowers with a panel of 28+ lenders across Australia. The core offering centers on home loan facilitation through services including Home Loans, First Home Buyer assistance, Refinance, Property Investment, Business/Vehicle Loans, House & Land Packages, and Self-Managed Super Funds. The platform is complemented by a suite of 23+ financial calculators accessible to clients for self-service planning. The company has offices in Sydney, Melbourne, Brisbane, Adelaide, Canberra, Tasmania, and Perth, and is led by CEO/Principal Finance Broker Bishnu Hamal.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loan Services Core mortgage brokering service that connects borrowers with lenders from AFHL's panel of 28+ lenders to secure home financing for owner-occupiers.
• First Home Buyer Services Specialized mortgage brokering service for first-time home buyers, including loan approval assistance, eligibility verification for first home buyer grants and stamp duty concessions, and guidance through financial and legal procedures.
• Refinance Services Home loan refinancing service that assesses the customer's current situation and helps clients access home equity for renovation, holidays, household purchases, investments, and debt consolidation.
• Property Investment Loans Property investment loan brokering service that assists clients in securing loans tailored to investment property needs, helping grow property portfolios and manage debt repayment.
• Business/Vehicle Loan Broking Vehicle and business financing broking service that arranges affordable car loans for new and used vehicles and business loans through a partner platform.
• House & Land Packages Construction financing broking for house and land packages, where loan amounts increase according to construction schedules as builders are paid at various stages.
• Self-Managed Super Funds (SMSF) Lending SMSF investment broking service that enables clients to invest in commercial, residential, and hybrid securities through self-managed super funds, with guidance on setup and property management.

Quantifiable outcome

• Interest rates from 4.54% pa (comparison rate 4.56% pa) available through panel lenders
• +2 more outcomes

Named customers14 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Smartline Personal Mortgage Advisers: Long-established Australian mortgage broker franchise (owned by Bendigo and Adelaide Bank) operating a comparable panel-based brokerage model targeting purchase, refinance and investment customers.
• Aussie Home Loans: Largest mortgage broker franchise in Australia, owned by CBA. Directly comparable broker model matching borrowers to a large lender panel; the closest namesake competitor to AFHL.
• Astute Financial Group: Australian financial services brokerage with mortgage, commercial and SMSF offerings; comparable multi-segment brokerage competing with AFHL in residential lending and SMSF property.
• Loan Market Group: One of Australia's largest mortgage broker aggregators with a national franchise model; offers the same residential purchase/refinance brokerage services and aggregator supports that compete with AFHL's direct-broker model.
• Connective Home Loans: Major Australian mortgage broker aggregator with broad lender panel access; competes with AFHL by providing brokers nationwide with accreditation, technology and lender relationships.
• Mortgage Choice: Australian mortgage broker (now part of REA Group) with a national franchise network offering home loan and refinance brokerage across the same customer segments AFHL targets.
• Infocus Home Loans: Australian mortgage broker aggregator providing brokers with lender panel access and compliance support, directly competing with AFHL in residential purchase and refinance intermediation.
• Mortgage Brokers Alliance: Australian mortgage broker aggregator operating a franchise model offering panel-based brokerage services in residential lending; directly comparable channel competitor to AFHL.

Broad incumbents

• REA Group (parent of Mortgage Choice): Owner of realestate.com.au and Mortgage Choice; broad incumbent in Australian property data and mortgage distribution that competes with AFHL via its subsidiary brokerage scale and digital lead funnel.
• Commonwealth Bank (broker channel): Australia's largest bank and largest mortgage lender; competes with AFHL both directly (via branch/digital channels) and indirectly through its ownership of Aussie Home Loans on the broker panel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/AussieFinanceHL
• Facebookfacebook.com/afhl.com.au
• LinkedInlinkedin.com/company/aussie-finance-and-home-loans
• Instagraminstagram.com/afhl_sydney

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Aussie Finance and Home Loans