National Mortgage Company Pty Ltd.

What National Mortgage Company Pty Ltd. does

National Mortgage Company Pty Ltd., trading as emoney Home Loans (emoney pty ltd, ACN 079 790 364, Australian Credit Licence 386 494), is a Queensland-based mortgage brokerage founded in 1998 that connects Australian consumer and SMB borrowers with a panel of 25+ lenders. The firm organizes its offering across nine borrower segments — first home buyer, next home buyer, investor, guarantor, refinancer, self-employed, debt consolidator, SMSF, and personal/car loans — and supplements human lending specialists with a digital toolkit of borrowing capacity, repayment, stamp duty, comparison rate, and budget calculators, a pre-qualification tool, and a free property report, alongside a $250 gift-card referral program.

The platform is not a technology product; it is a broker intermediation service whose core capability is lender panel coverage, credit-policy knowledge, and customer advisory. The firm operates a single office (PO Box 3485, Robina Town Centre QLD 4230) and supports post-settlement servicing through seven embedded loan-servicing portal integrations (Advantedge/Challenger, Pepper Money, Resimac, ING Direct, Origin/Columbus Capital, Firstmac, Southern Cross). Reported scale signals include 26+ years of operation, 80,000+ customers served, and $10 billion+ in cumulative settled home loans, with a 4.8 Google customer rating.

The business model is transaction-fee / commission-based: emoney earns upfront and trail commissions from lenders when borrowers settle loans through the panel, rather than charging borrowers directly. Distribution combines inside sales (13 SAVE phone line, online inquiry, Microsoft Outlook appointment booking), self-service digital tools, and a content/info hub with segment-specific email newsletters. No revenue, headcount growth, funding, M&A, or AI/ML signals are disclosed in the source data, and the firm's primary stated geography is Queensland with national lender reach.

Name

National Mortgage Company Pty Ltd.

Legal name

emoney pty ltd

Website

https://nationalmortgage.com.au

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

51–100 employees

Short description

National Mortgage Company Pty Ltd. (emoney Home Loans) is an Australian mortgage brokerage founded in 1998 that connects individual borrowers and SMBs with a panel of 25+ lenders across nine borrower segments, earning lender-paid commissions on $10B+ of cumulative settled home loans.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

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

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSAEAEAA

Residential Mortgage Brokerage (Purchase & Refinance)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAEAMAA

Mortgage & Loan Introducers (Residential & Commercial)

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Introducers, Finders & Referral Networks

Keywords

• Mortgage brokerage
• Home loan services
• Residential lending
• Loan refinancing
• Mortgage broking

Headquarters

HQ city

Broadbeach

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Brokerage Commission: As a mortgage broker, emoney Home Loans earns commissions from lenders when customers settle home loans through their platform. The company facilitates loan placements between borrowers and lenders, earning trail commissions and upfront commissions from participating lenders in their network.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

National Mortgage Company Pty Ltd., operating as emoney Home Loans, is an Australian mortgage brokerage that arranges residential home loans by connecting individual borrowers with a network of over 25 Australian lenders including major banks, regional banks, non-bank lenders, and credit unions. The company organizes its offering by borrower segment — first home buyer, next home buyer, investor, guarantor, refinancer, self-employed, SMSF, and debt consolidation — and supplements brokerage services with digital self-service tools such as calculators, pre-qualification, and free property reports.

Product overview

emoney Home Loans operates as a mortgage broker platform connecting borrowers with a network of over 25 Australian lenders including major banks (Commonwealth Bank, ANZ, NAB, Westpac), non-bank lenders (Resimac, Pepper Money, Firstmac, Macquarie), and credit unions (SCCU, Heritage). The core offering consists of specialized home loan products organized by borrower segment: First Home Buyer, Next Home Buyer, Property Investor, Guarantor, Refinancer, Self-Employed, SMSF, and Debt Consolidation. The platform differentiates through a comprehensive digital toolkit including borrowing/repayment/stamp duty/budget calculators, free property reports, pre-qualification tools, and a referral program. With 26+ years of industry experience, over $10 billion in settled loans, and 80,000+ satisfied customers, the service combines human lending specialists with digital self-service capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans

Quantifiable outcome

• Settled over $10 Billion in home loans
• +1 more outcomes

Named customers3 records

Segments8 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

20 partnerships are on record, tiered core and minor.

• ANZcoreChannel Partner/ Reseller/ DistributorMajor Australian bank providing home loan products distributed through emoney's broker network. emoney offers ANZ mortgage products to customers seeking banking relationships with major institutions.
• NAB (National Australia Bank)coreChannel Partner/ Reseller/ DistributorMajor Australian bank partner in emoney's lender network, providing home loan products to broker customers.
• Commonwealth BankcoreChannel Partner/ Reseller/ DistributorMajor Australian bank providing home loan products through emoney's broker distribution channel.
• BankwestcoreChannel Partner/ Reseller/ DistributorMajor Australian bank (CBA subsidiary) partner providing home loan products distributed via emoney broker network.
• SuncorpcoreChannel Partner/ Reseller/ DistributorRegional bank partner offering home loan products through emoney's broker network.
• MacquariecoreChannel Partner/ Reseller/ DistributorNon-major bank lender partner providing specialized home loan products through emoney's distribution network.
• St. George BankcoreChannel Partner/ Reseller/ DistributorRegional bank partner (part of Westpac Group) providing home loan products through emoney's broker channel.
• INGcoreChannel Partner/ Reseller/ DistributorInternational Dutch bank operating in Australia, providing home loan products through emoney's broker network.
• Pepper MoneycoreChannel Partner/ Reseller/ DistributorNon-bank lender specializing in alternative lending solutions including self-employed and non-standard income borrowers.
• ResimaccoreChannel Partner/ Reseller/ DistributorNon-bank lender partner offering home loan products through emoney's distribution network.
• Heritage BankminorChannel Partner/ Reseller/ DistributorQueensland-based mutual bank partner providing home loan products to emoney customers.
• La Trobe FinancialminorChannel Partner/ Reseller/ DistributorNon-bank lender partner specializing in alternative and specialist lending solutions.
• BOQ (Bank of Queensland)coreChannel Partner/ Reseller/ DistributorRegional bank partner providing home loan products through emoney's broker network.
• ubankminorChannel Partner/ Reseller/ DistributorDigital bank partner offering home loan products through emoney's distribution network.
• AUSWIDE BankminorChannel Partner/ Reseller/ DistributorRegional Australian bank partner providing home loan products through emoney's broker network.
• Connective (Elevate and Essentials)coreChannel Partner/ Reseller/ DistributorAggregator platform partners providing access to a broad range of loan products and lending solutions through emoney's broker services.
• Southern Cross Credit Union (SCCU)minorChannel Partner/ Reseller/ DistributorCredit union partner offering home loan products through emoney's broker network.
• RedZedminorChannel Partner/ Reseller/ DistributorNon-bank lender partner specializing in self-employed and business owner lending solutions.
• AMPcoreChannel Partner/ Reseller/ DistributorMajor Australian financial services company providing home loan products through emoney's broker network.
• Orde FinancialminorChannel Partner/ Reseller/ DistributorNon-bank lender partner offering specialized home loan products through emoney's distribution network.

Scale indicators4 records

Recent moves6 records

Expansion highlights3 records

Emerging players

• Lendi: Digital-first Australian mortgage broker owned by Lendi Group (parent of Aussie). Combines an online broker model with comparison tooling, targeting the same first home buyer and refinancer segments as emoney with a more technology-led customer experience.
• Athena Home Loans: Australian digital non-bank lender offering home loans directly to consumers via online application. Represents the emerging direct-to-consumer channel that competes with emoney for first home buyer and refinancer demand, though without the multi-lender broking model.
• Tic:Toc: Australian fintech offering instant online home loan approvals. A direct-to-consumer competitor bypassing the broker channel, eroding the pool of potential broker-served loans in emoney's first home buyer and refinancer segments.
• Connective Home Loans: One of Australia's largest mortgage broker aggregators, listed as a Core partner of emoney. Functions as both an aggregator (servicing brokers) and a competitive broker brand via Elevate/Essentials — directly overlapping emoney's lender panel and distribution model.

Others

• Heritage Bank: Queensland-based mutual bank and one of emoney's distribution partners. Comparable in that it offers competing home loan products via its own direct channel that emoney brokers into the market, but operates as a lender rather than a brokerage.

Direct peers

• Loan Market Group: Large Australian mortgage brokerage aggregator with a national broker network. Closely comparable in business model — commission-based residential mortgage brokerage intermediating between borrowers and a panel of Australian lenders, including non-bank specialists.
• Mortgage Choice: National Australian mortgage broker franchise network, now owned by REA Group. Operates an aggregator-led broker model with a comparable lender panel and customer segments (first home buyer, investor, refinancer), competing head-to-head with emoney in the brokerage distribution channel.
• Yellow Brick Road Wealth Management: Australian mortgage and wealth advisory group distributing home loans through a panel of lenders. Directly comparable broker-led home loan distribution business targeting first home buyers, investors, and refinancers in the same addressable market as emoney.
• Smartline Home Loans: Australian mortgage broker franchise network now owned by AMP. Provides broker-mediated access to home loan products across a broad lender panel with a comparable segment focus (first home buyer, investor, self-employed), competing with emoney's broker distribution model.

Broad incumbents

• Aussie Home Loans: One of Australia's largest non-bank retail mortgage brokerages, owned by Lendi Group. Directly comparable business model — residential mortgage brokerage distributing across a panel of ~20+ lenders with similar commission revenue model — but at materially larger national scale than emoney.

Market position

Strengths5 records

Weaknesses2 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/national-mortgage-company

Revenue estimate

Valuation estimate

Number of profiles

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 National Mortgage Company Pty Ltd.