What Get Smart Financial does

Get Smart Financial (legal entity: Get Smart Results Pty Ltd) is an Australian mortgage brokerage operating under Australian Credit Licence 391237 and accredited by the MFAA and FBAA. Founded in 2012 by Rachael Bland — a former banker with 15+ years at major and minor banks — the firm provides personalized home loan advisory services to individual borrowers, property investors, self-managed super fund clients, and business owners with complex financial situations. The value proposition is built on Rachael's firsthand knowledge of how banks underwrite applications, paired with a hands-on advisory process that runs from financial health assessment through loan structuring, lender selection across a panel of more than 40 lenders (accessed via Loan Market Aggregation, Australia's largest aggregator), settlement, and ongoing post-settlement support including proactive rate reviews.

Core products include home loan broking for first home buyers, refinancers, upgraders, and investors; financial health checkups; a suite of self-service online calculators (borrowing power, stamp duty, savings goals, mortgage switching, repayment variants); and referral pathways to independent financial planners and accountants. The product surface is augmented by separate variable-rate and fixed-rate loan pages and SMSF lending structuring. The firm does not operate a proprietary technology platform; its 'technology stack' consists of standard Australian mortgage aggregator portals, a website with content/SEO blog assets, video consultation via Skype, and Calendly-based scheduling.

The business model is a standard Australian mortgage broker commission model: upfront commissions paid by lenders at settlement plus ongoing trail commissions on the maintained loan book. Marketing is dominated by client referrals from family, friends, and colleagues, supplemented by website content, social media presence, and aggregator rankings (consistently top 250 under Loan Market Aggregation). The firm is founder-owned, bootstrapped, has no disclosed external funding, and operates with a small team of approximately eight staff across advisory, assessment, processing, customer success, and executive support functions, with a single headquarters in Donvale, Victoria.

Name

Get Smart Financial

Legal name

Get Smart Results Pty Ltd

Website

https://getsmartfinancial.net.au

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Get Smart Financial is an Australian mortgage brokerage founded in 2012 by former banker Rachael Bland. It provides personalized home loan advisory, structuring, and post-settlement support to first home buyers, investors, and SMSF borrowers via Loan Market Aggregation's panel of 40+ lenders.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

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

SIC

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

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industry

Comprehensive Financial Planning (FSAEAAAA)

Keywords

• Mortgage broking services
• Home loan advisory
• Refinancing solutions
• Investment property finance
• SMSF lending

Headquarters

HQ city

Doncaster East

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. Mortgage Broking Commission: The company earns commission (upfront and trail) from lenders when home loans are settled and maintained. Commission is paid by the lender to the broker for facilitating the loan, consistent with standard Australian mortgage broking industry practice.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Get Smart Financial is an Australian mortgage brokerage that customizes individual home loan solutions by matching clients with over 40 lenders on panel. The company manages the end-to-end loan process from initial financial health checkup through application to settlement, covering first home buyers, refinancers, property upgraders, investors, and self-managed super fund (SMSF) borrowers. Service is delivered through personalized consultations supported by a team of assessment officers, credit analysts, and a customer success manager.

Product overview

Get Smart Financial is a mortgage brokerage offering a unified advice-driven service centered on home loan products. The core offering combines personalized financial health assessments and expert mortgage broking services with a suite of online financial calculators (borrowing power, stamp duty, savings goals, mortgage switching, repayment options). Loans are available in variable, fixed, and split configurations, covering first home buyers, refinancers, investors, and SMSF clients. The company supports clients from initial consultation through settlement and beyond, with access to financial planning referrals for broader wealth management needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loan Broking Services
• Financial Health Checkup
• Financial Planning Advisory Referral
• Variable Rate Home Loans
• Fixed Rate Home Loans

Quantifiable outcome

• Clients saved $1,500 per year through proactive interest rate negotiation
• +2 more outcomes

Named customers5 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

Partnerships

One partnership is on record.

• Loan Market AggregationcoreChannel Partner/ Reseller/ DistributorGet Smart Financial operates under Loan Market Aggregation—the largest mortgage aggregator in Australia. The company ranks within the top 250 brokers under this aggregation network, which provides access to over 40 lenders on panel and facilitates loan submission through its portal.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Athena Home Loans: Australian digital-first mortgage lender that bypasses traditional brokers; competes indirectly for the same first-home-buyer and refinancer segments and represents the technology-led disruption that Get Smart Financial's advice-led model must defend against.
• RateMyAgent / Lendi Group: Lendi is a major digital mortgage broker and comparison platform — competes with the same residential loan customers, differing in the fully-digital delivery model vs. Get Smart Financial's consultation-driven service.
• Tic:Toc: Australian online-only mortgage lender using automated decisioning; addresses the same first-home-buyer demographic but competes primarily on speed and rate transparency rather than personalized advice.

Direct peers

• Smartline Personal Wealth Advisors: National mortgage broking and financial planning franchise network — closely comparable to Get Smart Financial given its combined home-loan broking and broader financial-planning referral offering, including SMSF and investment-property advisory.
• Connective Home Loans: Major Australian mortgage aggregator whose brokers compete for the same consumer and investor clients with similar multi-lender panel access; functionally analogous to Get Smart Financial's Loan Market channel at a network level.
• Loan Market Group: Get Smart Financial operates under Loan Market Aggregation, the largest mortgage aggregator in Australia; Loan Market's broader broker network represents the most directly comparable cohort, with shared access to the same lender panel, aggregator technology, and commission structures.
• Yellow Brick Road Wealth Management: Australian financial advisory group combining mortgage broking with wealth management advice — overlaps with Get Smart Financial's combination of home-loan intermediation, SMSF structuring, and financial-planning referrals.

Broad incumbents

• Aussie Home Loans: A pioneering and large incumbent Australian mortgage broker with a retail storefront model; comparable in core home-loan intermediation but operates at materially greater scale and broader geographic footprint than the subject company.
• Mortgage Choice: One of Australia's largest mortgage broker networks with hundreds of franchisees; overlaps with Get Smart Financial in consumer home-loan broking across first-home buyers, refinancers, and investors, with similar referral-driven acquisition and lender-panel distribution.
• AFG (Australian Finance Group): One of Australia's largest mortgage aggregators with a national broker network; comparable as an aggregator-backed broker channel serving the same residential lending demand and commission-driven model as Get Smart Financial.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/getsmartfinancial

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Get Smart Financial