1300HomeLoan

What 1300HomeLoan does

1300HomeLoan, legally 1300 Home Loan Holdings Pty Ltd (ABN 80152921634), is an Australian mortgage broking company founded in 2010 and headquartered in Sydney. The company operates as a network of owner-operated mortgage brokers distributed across all Australian capital cities, most major regional cities, and mobile/online coverage for rural and remote areas. Its core function is intermediation between retail borrowers and a panel of over 40 lenders spanning the big four Australian banks (ANZ, Commonwealth Bank, NAB, Westpac) and a broad set of non-bank lenders including Macquarie, ING, AMP, Suncorp, Bankwest, St. George, Resimac, Better Choice, and MyLoan. The company operates as Credit Representative Number 417207 under Australian Credit Licence Number 384704, with complaints handled via [email protected], indicating an aggregator/ACL-holder relationship with Finsure.

The service portfolio spans the full mortgage lifecycle: first home buyer assistance, refinancing, renovation and construction financing, self-employed Low Doc loans, property investment lending, pre-approval, personal loans, and budgeting guidance. There is no proprietary software platform; the company runs a relationship-based brokerage with customer acquisition through phone (1300 466 356), website inquiry forms, and online appointment booking, after which leads are matched to local brokers by geography and need.

Revenue is generated transactionally through upfront and trailing commissions paid by lenders on successfully placed loans. The company is privately held with no disclosed external investment, parent company, or funding rounds, and no management team beyond Managing Director John Kolenda and Non-Executive Director Calvin Ng is disclosed in the source material. Revenue figures, headcount, and founding details are not publicly disclosed.

Name

1300HomeLoan

Legal name

1300 Home Loan Holdings Pty Ltd

Website

https://1300homeloan.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

101–250 employees

Short description

1300HomeLoan is an Australian mortgage broking network that connects retail borrowers with a panel of over 40 lenders through owner-operated brokers located across all capital cities, major regional cities, and rural areas.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Wholesale Mortgage Broker Networks / Master Brokers (FSALABAC)

Keywords

• Mortgage broking services
• Home loan brokerage
• Residential lending
• Loan refinancing
• Investment property loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broker Commissions: 1300HomeLoan generates revenue through commission payments from lenders (banks and non-bank lenders) when mortgage brokers successfully place a loan with a borrower. The brokers have access to over 40 different lenders and earn referral/origination commissions from these lenders.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

1300HomeLoan operates as a mortgage broking network connecting individual borrowers with a nationwide panel of over 40 lenders (including the big four Australian banks and non-bank lenders) through a network of owner-operated mortgage brokers. The company provides end-to-end broking services across the home loan lifecycle — from first home purchase and pre-approval to refinancing, renovation/construction financing, self-employed Low Doc loans, and investment property lending. Revenue is earned through referral and origination commissions paid by lenders when brokers successfully place loans.

Product overview

1300HomeLoan operates as a mortgage broking network connecting borrowers with a nationwide panel of over 40 lenders through owner-operated mortgage brokers. The company does not offer a single unified software product; rather, it provides a coordinated suite of broking services spanning the mortgage lifecycle. These services include first home buyer assistance, refinancing, renovation and construction financing, self-employed Low Doc loans, property investment lending, loan pre-approval, personal loans, and budgeting guidance. The network aggregates broker locations across all Australian capital cities, major regional cities, and offers mobile/online broker access for rural and remote areas.

Differentiator

Problem solved

Functional benefit

Products and services

• First Home Buyer Mortgage Broker Service
• Refinancing Service
• Renovation & Construction Loan Broking
• Self-Employed Low Doc Loan Broking
• Property Investment Loan Broking
• Loan Pre-Approval Service
• Personal Loan Broking
• Budgeting & Planning Advisory

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lendi: Australia's largest online home loan platform (now part of Lendi Group after merging with Aussie). Direct peer in the home loan intermediation space, with overlapping customer segments but a more technology-led, digital-first model compared to 1300HomeLoan's traditional broker approach.
• Loan Market Group: Major Australian mortgage broking aggregator and franchise network with a large national broker footprint. Highly comparable to 1300HomeLoan as both operate owner-operated broker models providing access to a panel of bank and non-bank lenders.
• Aussie Home Loans: Australia's largest mortgage broker and aggregator, founded 1992, acquired by CBA in 2021. Directly comparable business model (broker-originated home loans across a large lender panel) but at materially greater scale and brand recognition than 1300HomeLoan.
• AFG (Australian Finance Group): ASX-listed mortgage aggregator and finance services group in Australia. Highly comparable as a wholesale/aggregator competitor that provides broker networks with access to multiple lenders, mirroring 1300HomeLoan's role but at significantly greater scale.
• Mortgage Choice: Established Australian mortgage broker franchise network with a panel of 20+ lenders. Closely comparable to 1300HomeLoan in offering home loan brokerage services through a distributed broker network, with similar product breadth and customer segments.
• Connective Home Loans: Large Australian mortgage aggregator and broking group. Directly comparable to 1300HomeLoan as both operate broker networks aggregating demand and providing access to a panel of lenders, with similar product offerings across the mortgage lifecycle.

Others

• Finsure: Australian mortgage aggregator and finance services group. Closely related to 1300HomeLoan — 1300HomeLoan's compliance function routes through Finsure, indicating an aggregator/credit-licence relationship — making it more a channel partner than direct competitor, but the comparable business model warrants inclusion.

Regional players

• Better Choice: Australian non-bank mortgage lender active in 1300HomeLoan's lender panel. Related as both a partner (lender) and adjacent business operating in the same mortgage intermediation ecosystem serving similar borrowers and brokers.
• Resimac: Australian non-bank lender (residential and asset finance) that sits within 1300HomeLoan's lender panel. Comparable as a non-bank mortgage credit provider targeting self-employed and non-conforming borrowers, overlapping with 1300HomeLoan's specialist segments.

Emerging players

• Athena Home Loans: Australian digital mortgage lender targeting borrower-friendly direct origination. Comparable in the broader mortgage intermediation market — particularly competing for the same refinancing and self-employed segments that 1300HomeLoan serves — but with a digital-first, no-broker model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/1300homeloan
• Facebookfacebook.com/384479838235379
• LinkedInlinkedin.com/company/1300homeloan

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 1300HomeLoan