Loan Avenue

What Loan Avenue does

Loan Avenue, operating as Loan Avenue Holdings Pty Ltd, is an Australian non-bank mortgage lender and mortgage manager founded in 2005 and headquartered at Level 11, 1 Chifley Square, Sydney, with operations support in Adelaide. The company originates and services home loans across Australia under Australian Credit Licence Number 488670, sourcing wholesale funding from domestic and international banks, securitisation vehicles, and capital markets issuances of rated mortgage-backed securities, with an independent trustee holding all mortgage documentation.

Its product portfolio spans the Premium Range (Premium, Premium LoDoc, Premium Bridging), the Advantage Range, the Flexi suite (Flexi, Flexi Pro Pack, Flexi LoDoc), and the Rapid Freedom product, complemented by specialist modules for first home buyers, self-employed/non-conforming borrowers, SMSF investment property, bridging finance, refinancing and debt consolidation, and NRAS-supported investments. Differentiated features include 100% interest-offset accounts applicable to both variable and fixed-rate loans, electronic application lodgement via the NextGen.Net ApplyOnline system (delivering roughly half of new business), and a 24/7 internet banking portal with budgeting tools.

Loan Avenue generates revenue through interest income on its loan book, supplemented by transaction and account-keeping fees, loan establishment fees, and offset-account fees. Distribution is split between an accredited broker/introducer network (the primary channel) and direct phone/website enquiry capture; pricing is quote-based and tailored to borrower, product, and LVR. The business is privately held, co-founded and led by Paul Collins (Managing Director) and Michelle Collins (Co-founder), with no disclosed institutional investors, parent entity, or subsidiaries.

Name

Loan Avenue

Legal name

Loan Avenue Holdings Pty Ltd

Website

https://loanave.com.au

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Loan Avenue is an Australian non-bank mortgage lender (Loan Avenue Holdings Pty Ltd) headquartered in Sydney that originates and services home loans for first home buyers, self-employed and non-conforming borrowers, property investors, and refinancers, distributed primarily through accredited mortgage brokers and introducers under Australian Credit Licence 488670.

Ownership category

akta.pro rank

Product category

Non-Bank Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Non-Agency (Jumbo/Non-QM) Mortgage Servicing (FSALAEAB)

Keywords

• Non-bank mortgage lending
• Home loan products
• Mortgage broking services
• Loan refinancing solutions
• Residential property investment

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Home Loan Interest Income: Loan Avenue operates as a non-bank lender obtaining funds from banks, securitisation vehicles, and capital markets. Revenue is generated through interest charged on home loan products including variable rate, fixed rate, bridging loans, and line of credit facilities.
2. Loan Products: Products include Premium Range, Advantage Range, bridging loans, self-employed LoDoc loans, and investment property loans. Fee-based revenue from account keeping fees, loan establishment fees, and transaction fees on offset accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Loan Avenue is an Australian non-bank mortgage lender that provides home loan products to individual borrowers, distributed through accredited mortgage brokers and direct phone/online channels. Its offering includes variable and fixed rate home loans across a Premium Range and an Advantage Range, plus specialised products: the Rapid Freedom loan (up to 3% variable rate discount with 100% offset), LoDoc loans for self-employed borrowers, SMSF investment property loans, bridging finance, refinancing and debt consolidation, and NRAS-supported investment loans.

Product overview

Loan Avenue is a non-bank mortgage lender offering a comprehensive portfolio of home loan products through two main sub-brands: Premium Range and Advantage Range. The core product offerings include standard, low-doc (LoDoc), and bridging variants across multiple product lines (Premium, Flexi). Key innovations include Rapid Freedom, which provides up to 3% interest rate discounts with 100% offset accounts. Specialized modules address specific borrower segments including first home buyers, self-employed/non-conforming borrowers, SMSF investors, and those requiring refinancing or debt consolidation. Loans are distributed through mortgage brokers and introducers with electronic lodgement capabilities. All products feature 100% interest-offset accounts available on both variable and fixed rate options.

Differentiator

Problem solved

Functional benefit

Brands

• Rapid Freedom: Home loan product offering up to 3% discount on variable interest rate for owner-occupied home loans, featuring 100% interest-offset account with unlimited repayments.

Products and services

• Premium Range Home Loans Premium tier home loan products offering comprehensive features including 100% interest-offset accounts, redraw facilities, and flexible repayment options for owner-occupied and investment properties. Encompasses the Loan Ave Premium standard, Premium LoDoc (low documentation), and Premium Bridging Loan variants.
• Advantage Range Home Loans Competitive home loan products within the Advantage Range designed for value-conscious borrowers, including the Loan Ave Advantage variant with essential features and flexible terms.
• Flexi Range Home Loans Flexible variable rate home loans within the Flexi range, encompassing Loan Ave Flexi (with offset account and unlimited repayments), Flexi Pro Pack (professional package with enhanced features), and Flexi LoDoc (low documentation version for self-employed or non-conforming borrowers).
• Rapid Freedom Home Loan Innovative home loan facility offering up to 3% discount on variable home loan interest rates, with 100% interest-offset account and unlimited repayments, VISA debit card on owner-occupied loans, acceptance of non-genuine savings, and no monthly or annual fees. Targeted at owner-occupier borrowers seeking discounted variable rates.
• First Home Buyer Loans Specialised home loan solutions for first home buyers requiring deposits as low as 5-10%, with assistance accessing First Home Owner Grants and stamp duty concessions.
• Non-Conforming and LoDoc Loans Specialist finance options for self-employed individuals or those with damaged credit history who may not meet standard bank criteria. Applications assessed on individual merit, with reduced documentation requirements.
• SMSF Investment Property Loans Limited recourse loans for Self-Managed Superannuation Funds to invest in residential property. Property held in trust for the SMSF until the loan is repaid.
• Bridging Finance Short-term gap loans enabling purchase or construction of a new property before selling an existing one. Interest capitalised on the new loan during the bridging period, with no repayments required for up to 6 months on existing home bridging or 12 months on construction bridging.
• Refinancing and Debt Consolidation Home loan refinancing solutions including debt consolidation options to combine multiple debts into a single manageable loan, leveraging 100% offset features and competitive rates.
• Investment Property Loans (Loans to Invest) Investment property loans supporting property investment strategies including principal and interest, interest-only, and SMSF options.
• NRAS Investment Loans Specialised loans supporting National Rental Affordability Scheme (NRAS) properties with potential tax incentives for eligible investors.

Quantifiable outcome

• Example: $450,000 loan with $20,000 offset at 6.80% over 30 years could save $78,323 in interest
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and standard.

• NextGen.NetcoreTechnology or Integration · 1 March 2014Technology partnership for ApplyOnline electronic lodgement system. Loan Avenue receives 50% of business via electronic lodgement through this system. NextGen.Net provided ApplyOnline integration that halved the size of Loan Avenue's application form and enables brokers to lodge applications online from their aggregator software platform or directly to Loan Avenue.
• Mortgage & Finance Association of Australia (MFAA)coreOthersFull member of the Mortgage & Finance Association of Australia (MFAA). Operates under MFAA's strict code of ethics covering confidentiality requirements and dispute resolution procedures. Subject to MFAA governance standards for responsible lending practices.
• Credit & Investment OmbudsmancoreOthersExternal dispute resolution scheme for unresolved customer complaints. Members can contact CIO at 1800 138 422 for independent dispute resolution. Part of Loan Avenue's regulatory compliance framework.
• Trustees (Independent)coreStrategic or Co-development PartnerEvery loan approved by Loan Avenue is overseen by a trustee completely independent of all parties associated with the loan. The trustee holds all mortgage documentation in safe custody while Loan Avenue manages the day-to-day mortgage operations.
• Credit Reporting Bodies (veda.com.au, dnb.com.au, experian.com.au)standardTechnology or IntegrationExchange credit information with credit reporting bodies for assessing creditworthiness and managing finance. Also contact points for customers who believe they may be victims of fraud.

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Pepper Money: Pepper Money is an Australian non-bank specialist lender focused on non-conforming, self-employed, and complex borrower segments distributed via brokers. Directly comparable to Loan Avenue's LoDoc and non-conforming product positioning.
• Bluestone Mortgages: Bluestone is an Australian non-bank specialist lender focused on self-employed and non-conforming residential mortgages, distributed via brokers. Closely comparable to Loan Avenue's specialist/LoDoc segment focus.
• Firstmac: Firstmac is an Australian non-bank mortgage lender and RMBS issuer offering prime and specialist home loans through broker channels. Comparable to Loan Avenue in funding structure (securitisation) and product range.
• Resimac: Resimac is an Australian non-bank mortgage manager and RMBS issuer that originates prime, specialist, and self-employed loans through a broker network. It is the closest direct peer to Loan Avenue in business model, funding strategy, and distribution channels.
• Liberty Financial: Liberty Financial is a leading Australian non-bank lender offering prime, near-prime, and non-conforming home loans distributed via brokers and direct channels. Highly comparable to Loan Avenue's product mix, broker-led GTM, and non-bank funding model.

Regional players

• Yellow Brick Road: Yellow Brick Road is an Australian mortgage broking and wealth advisory group offering home loans (including non-bank products) through a national adviser network. Comparable to Loan Avenue's broker-distributed Australian home loan focus, though primarily a broker/adviser rather than a non-bank lender.

Broad incumbents

• Adelaide Bank: Adelaide Bank is a wholesale Australian bank that lends exclusively through mortgage managers and brokers, including Loan Avenue (BSB 610 101 listed on Loan Avenue's website). A channel partner and broad incumbent in the same broker-distributed mortgage space.
• Mortgage Choice: Mortgage Choice is a large Australian mortgage broking franchise that distributes loans from a panel of lenders including non-banks. Comparable to Loan Avenue on broker channel and home loan distribution, though operating as a broker rather than lender.

Emerging players

• Tic:Toc: Tic:Toc is an Australian online home loan lender providing instant online decisioning and settlement. Competes with Loan Avenue on speed and digital experience in the prime home loan segment, though without the non-conforming specialty.
• Athena Home Loans: Athena is an Australian digital non-bank mortgage lender offering variable, fixed, and refinance home loans with a technology-led, direct-and-broker hybrid model. Competes with Loan Avenue in broker-originated prime/refinance space but with materially larger capital backing.

Market position

Strengths1 record

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/loanavenue

Compliance5 records

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 Loan Avenue