Australian Mortgage Options

What Australian Mortgage Options does

Australian Mortgage Options (AMO) is a privately held Australian mortgage brokerage founded in 1998 by Robert Projeski, operating through the legal entity AMO Group Financial Services Pty Ltd (ABN 95086898768, Credit Licence Number 392337). The firm is headquartered in Bankstown, NSW, at 69 The Mall, with a second office in Sydney CBD, and serves individual consumers and property investors across the Sydney metropolitan area. AMO's product suite spans standard home loans (Future Proof, Revolution, Fixed Rate, Offset, Construction, Prestige, Self-Employed), specialist lending (SMSF, Deposit Bonds, Alt Doc, Non-conforming, Bad Credit) and complementary services (Debt Consolidation, Home Loan Refinance). A suite of online calculators supports customer self-assessment of repayment, borrowing power, refinancing options and transaction costs; a request-callback form and online application portal handle top-of-funnel capture.

The underlying technology stack is not publicly disclosed; the proprietary technology dimension is positioned around differentiated loan structuring (e.g., Revolution Home Loan's combination of fixed-rate security with unlimited repayment flexibility, and Future Proof's split fixed/variable design). Distribution is hybrid: phone-first (1300 266 266), in-person consultations at Bankstown/Sydney offices, and online application. AMO's lender panel is diversified across Adelaide Bank (Bendigo and Adelaide Bank), NAB, Pepper Homeloans, Liberty Financial, Resimac, ING, Barclays Bank, Origin Mortgage Management and Challenger Mortgage Management, with lenders' mortgage insurance supplied by QBE and Genworth.

AMO's revenue model is commission-led, with the firm earning transaction fees from lenders on loans placed, supplemented by application fees of up to $650 (non-refundable if the loan does not proceed) and a $300 part establishment fee. Consultations are offered free of charge to consumers. The firm has won multiple awards from Money Magazine, Cannex, Your Mortgage Magazine and Canstar over its operating history and serves self-employed borrowers, non-conforming and bad-credit applicants, SMSF investors and first-home buyers — segments underserved by mainstream bank lending. Customer evidence is granular and diversified: case studies include repeat multi-property buyers, family referrals, and small-business owner-operators, indicating a long-tail individual customer base rather than enterprise concentration.

Name

Australian Mortgage Options

Legal name

AMO Group Financial Services Pty Ltd

Website

https://amo.com.au

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Australian Mortgage Options is a privately held Sydney-based mortgage brokerage founded in 1998, serving individual home buyers, property investors, self-employed and non-conforming borrowers with home loans, refinancing, debt consolidation and specialist lending products distributed across Bankstown and Sydney CBD offices.

Ownership category

akta.pro rank

Product category

Mortgage Brokering Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokering services
• Home loan products
• Property investment loans
• Debt consolidation loans
• Specialist lending solutions

Headquarters

HQ city

Bankstown

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Origination Commissions: AMO earns commissions from lenders for placing loans with them. The application form notes that 'commissions may be payable for the loan, insurance and other services provided in connection with the loan.'
2. Application and Establishment Fees: Fees charged for processing loan applications, including a $300 part establishment fee and application fees up to $650 as disclosed in the application form.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Australian Mortgage Options (AMO) is an Australian mortgage brokering service that helps individual consumers secure home loans and investment property finance. AMO provides free mortgage consultations, loan product comparisons across multiple lenders, and access to a range of home loan products including standard, specialist, and non-conforming loans, earning commissions from lenders for placed loans and charging application/establishment fees.

Product overview

Australian Mortgage Options (AMO) operates as a mortgage brokering service offering a comprehensive portfolio of home loan products and financial services. The core offering includes standard home loans for home buyers and property investors (Future Proof, Revolution, Fixed Rate, Offset, Construction, Prestige, and Self-Employed loans), supplemented by specialist products for non-traditional borrowers (SMSF, Deposit Bonds, Alt Doc, Non-conforming, and Bad Credit loans). AMO also provides debt consolidation and home loan refinance services. The company offers online mortgage calculators (repayment, borrowing power, refinance, loan comparison, and buying/selling costs) as an advisory tool. Products are distributed through partnerships with lenders including Adelaide Bank, NAB, Pepper, and Liberty Financial. AMO's business model centers on free consultation services with mortgage brokers, earning commissions from lenders rather than charging professional fees to clients.

Differentiator

Problem solved

Functional benefit

Brands

• AMO Prestige Products: Premium home loan products including owner occupied and investment variable/fixed rate loans with offset accounts.
• AMO Select Products
• AMO OPAL Products
• Prime Products
• EXPAT Products

Products and services

• Future Proof Home Loan A part fixed, part variable home loan product that provides partial protection against interest rate increases while offering flexibility for home buyers and property investors.
• Revolution Home Loan A groundbreaking home loan product providing security of a low fixed rate with flexibility to make unlimited repayments without bank penalties, designed for borrowers seeking certainty and flexibility.
• Fixed Rate Home Loan Home loan with certainty of fixed interest rate for a set period, allowing unlimited lump sum repayments for borrowers who want rate certainty.
• Offset Home Loan Variable rate home loan with offset account functionality to reduce interest payments by offsetting savings against loan balance.
• Construction Loans Loan for building new homes or major renovations with progressive drawdowns aligned to construction phases, for owner-builders and renovators.
• Prestige Home Loan Premium home loan product for high-value properties offered through Adelaide Bank partnerships for affluent borrowers.
• Self-Employed Loans Home loans designed for self-employed individuals who may have difficulty providing traditional proof of income through standard financials or tax returns.
• Self-Managed Super Fund (SMSF) Loans Specialist loans allowing self-managed super funds to borrow for investment and commercial property purchases.
• Deposit Bonds Alternative to cash deposit for property purchases, allowing buyers to secure properties without large upfront cash.
• Alt Doc Loans Low documentation loans for borrowers who cannot provide standard income verification documents, including self-employed applicants.
• Non-conforming Loans Loans for borrowers who do not fit standard lending criteria or have had credit blemishes.
• Bad Credit Loans Specialist loans for borrowers with poor credit history seeking to re-establish their credit standing.
• Debt Consolidation Loans Loan product combining multiple debts into one simplified repayment to eliminate debt faster.
• Home Loan Refinance Service helping borrowers refinance existing home loans to access equity, reduce rates, or change loan structures.

Quantifiable outcome

• Debt consolidation case study: Joe + Wendy saved $1,556 per month on repayments after refinancing and consolidating debts, while receiving additional $34,570 cash
• +1 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Emerging players

• Athena Home Loans: Australian digital mortgage lender and broker platform. Adjacent competitor to AMO — competes for the same home-loan customer but bypasses the broker intermediation model, representing a structural threat.
• Tic:Toc: Australian online home loan lender and platform. Relevant peer as a technology-led alternative to traditional brokers like AMO, capturing share of consumer mortgage origination online.

Direct peers

• Mortgage Ezy: Australian online mortgage broker with direct lender relationships. Comparable to AMO in customer value proposition (free service, commission-based) but with a more digitally-led acquisition motion.
• Yellow Brick Road: Australian mortgage broker and wealth advisory firm. Directly comparable business model — intermediating home loans from a panel of lenders for consumer and investor clients.
• Mortgage Choice: National Australian mortgage broker and financial services franchise. Directly comparable to AMO in product scope (home loans, specialist lending) and customer segments, with broader geographic reach.
• Smartline Personal Mortgage Advisers: Australian mortgage broking business (owned by Westpac). Comparable to AMO as a retail mortgage broker distributing home loans from a panel of lenders, with national footprint.
• Loan Market Group: Large Australian mortgage broking aggregator. Comparable to AMO as a commission-based broker offering access to a broad lender panel across residential and investment lending.
• Aussie Home Loans: Australia's largest retail mortgage broker with a multi-state branch network. Highly comparable to AMO as both are consumer-facing mortgage brokers earning lender commissions, though Aussie is significantly larger and franchise-driven.

Broad incumbents

• ME Bank (Members Equity Bank): Australian challenger bank offering direct home loans as well as broker-originated products. Comparable as a non-major mortgage provider overlapping with AMO's lender panel and competing for similar customer segments.
• Adelaide Bank (Bendigo and Adelaide Bank): Australian bank and division of Bendigo and Adelaide Bank — one of AMO's core lending partners. Listed because it is both supplier and broad-incumbent competitor in mortgage origination.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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 Australian Mortgage Options