What Shore Financial does

Shore Financial is an Australian independent mortgage brokerage headquartered in North Sydney (Level 16, 124 Walker St), founded in 2013 and operating under Australian Credit Licence 501018 via Shore Financial Pty Ltd (ACN 161 502 736). The company's core offering is brokering residential and commercial loans on behalf of individual and small-business borrowers across Australia, drawing on a panel of 70+ lenders that includes the four major banks (CBA, Westpac, ANZ, NAB) plus Macquarie, St. George, ING, Suncorp, BOQ, Heritage, and non-bank specialists (Resimac, Pepper Money, Liberty Financial, Homestar). Loan product coverage spans owner-occupier, investment, first home buyer, refinancing, guarantor, bridging, construction, SMSF, low-doc, medico, reverse mortgage, modular home, commercial, and development funding, with adjacent services in life insurance, financial planning, buyers agency, conveyancing, and asset/car finance via the Shore Asset Finance subsidiary.

The business model is commission-based: Shore Financial is compensated by lenders from its panel for successfully placed loans, with no direct fees to borrowers for brokerage services. GTM is sales-led via phone (1300 416 700), online contact forms, in-person consultations, and a structured referral channel from a real estate agent network in which the company claims #1 "Most Likely to Be Recommended" ranking. Content marketing (Property & Finance Podcast, Learning Hub, suite of nine financial calculators) drives top-of-funnel lead generation. Backend operations leverage offshore service providers in the Philippines and Nepal for application processing and post-settlement loan maintenance, supporting a 101–250 employee base concentrated on Australian broker activity.

Corporate structure is multi-entity under Shore Financial Holdings Pty Ltd, with operating subsidiaries Shore Financial 2 Pty Ltd and Shore Financial 3 Pty Ltd, an advice arm Shore Financial Planning & Insurance Pty Ltd, and the asset finance subsidiary Shore Asset Finance / Fintelligence. The privately held, founder-operated group has disclosed no venture capital or private equity backing and reports cumulative metrics of $17B+ home loans facilitated, $20B funded, 17,930 applications processed, and 32,163 clients advised, with 92% of customers reportedly obtaining better rates than through direct bank channels and 450+ five-star Google reviews supporting brand claims of being Australia's #1 independent mortgage brokerage.

Name

Shore Financial

Legal name

Shore Financial Pty Ltd (ACN 161 502 736)

Website

https://shorefinancial.com.au

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Shore Financial is a privately held Australian independent mortgage brokerage (North Sydney, founded 2013) that brokers residential and commercial loans for individual and small-business borrowers via a 70+ lender panel, earning lender-paid commissions and adding adjacent financial planning, insurance, and asset finance services.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial Mortgage Brokerage (FSAEAEAB), Fee-Only Advisory (FSAEAAAL)

Keywords

• Mortgage brokerage services
• Residential lending solutions
• Home loan refinancing
• Investment property loans
• Financial planning services

Headquarters

HQ city

North Sydney

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 Commissions: Shore Financial earns commission payments from lenders in their panel when they successfully place a customer's mortgage. As a mortgage broker, they are compensated by the lending institutions for bringing them business, not directly charged to customers. The company also provides financial planning and insurance services as additional revenue streams.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Shore Financial operates as an Australian independent mortgage brokerage that intermediates between borrowers and a panel of 70+ lenders to arrange residential, investment, commercial, SMSF, construction, and asset finance loans. The company earns commissions from lenders for placed business and provides complementary financial planning, life insurance, buyers agent, and legal/conveyancing services. Customers are guided through a 4-step broker process and receive ongoing annual loan reviews under the 'Sleep Soundly' promise.

Product overview

Shore Financial is Australia's #1 independent mortgage brokerage offering a comprehensive suite of mortgage and lending products. The core offering centers on residential home loans (refinancing, owner-occupier, first home buyer, investment property, guarantor, construction, bridging, and SMSF loans), complemented by specialized commercial and asset finance divisions. The company provides adjacent financial services including life insurance, financial planning, buyers agent representation, legal & conveyancing, and property investment advisory (Shore Invest). A network of over 70 lenders supports their lending panel, with a focus on simplifying the mortgage process through their 'Sleep Soundly' promise and annual review program.

Differentiator

Problem solved

Functional benefit

Brands

• Shore Invest: Investment property division offering co-living and NDIS property investment opportunities including College Junction Medical Centre, Queen Street Village, and Ottoway developments.

Products and services

• Home Loan Refinancing Mortgage refinancing service that helps homeowners switch their existing home loan to a better rate or product, potentially saving money on interest payments.
• SMSF Loans
• Investment Property Loan
• Owner Occupier Loans
• Guarantor Loans
• First Home Loans
• Development Funding
• Commercial Loans
• Car & Asset Finance
• Medico Loans
• Low-doc Loans
• Bridging Loans
• Construction Loans
• Modular Home Financing
• Pre-Approvals
• Reverse Mortgages
• Life Insurance
• Financial Planning
• Buyers Agents
• Legal & Conveyancing Services
• Shore Invest
• Oceania Low Deposit & Expat Products

Quantifiable outcome

• 92% of customers get better rates through Shore than through banks
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• AFG (Australian Finance Group)coreChannel Partner/ Reseller/ DistributorMajor mortgage aggregator providing Shore Financial with access to lender products and back-office support.
• Real Estate Agents (General)coreChannel Partner/ Reseller/ DistributorNetwork of real estate agents who refer clients to Shore Financial for mortgage services. Shore Financial is #1 'Most Likely to Be Recommended' by real estate agents.
• Shore Asset Finance (Subsidiary)coreChannel Partner/ Reseller/ DistributorRelated entity (ACN 691 172 675) specializing in car and asset finance, operating under Fintelligence Pty Ltd credit licence.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mortgage Ezy: Australian online mortgage broker offering home loan products from a panel of lenders. Comparable as a panel-based mortgage broker targeting similar first home buyer and refinancing segments, with a more digital-led GTM than Shore's relationship-led approach.
• Lendi: Digital-first Australian mortgage broker (part of Lendi Group alongside Aussie) that originated the digital broker category. Directly comparable on lender panel and product breadth, but competes via a tech-led platform rather than agent referrals — a key strategic contrast with Shore's agent-led model.
• Loan Market Group: Major Australian mortgage broker and aggregator with a large franchise network originating residential and commercial loans. Operates a similar broker-led model with a panel of lenders, AFG-style aggregation, and is a head-to-head competitor for Shore in the Australian independent brokerage segment.
• Mortgage Choice: Long-established Australian mortgage broker (now owned by REA Group) offering residential lending, asset finance, and financial planning through a franchise network. Closely comparable in business model, lender-panel approach, and customer segments (first home buyers, refinancers, investors).
• Aussie Home Loans: Australia's largest branded retail mortgage broker and aggregator, offering home loans, financial planning, and insurance through a national store and broker network. Directly comparable as a multi-product, commission-based residential mortgage broker serving the same first home buyer, investor, and refinancing segments as Shore Financial.
• Astute Financial Management: Australian mortgage broker and financial planning group with a multi-adviser model across residential and commercial lending. Comparable to Shore on the dual mortgage broking + financial advice positioning and on the diversified product set including SMSF and investment lending.
• Yellow Brick Road: Australian wealth advisory and mortgage broking group offering home loans, financial planning, and insurance. Comparable to Shore on the dual mortgage-brokerage-plus-financial-planning offering and on serving similar SME and consumer borrower segments.
• Smartline Personal Mortgage Advisers: Bank-owned (CBA) Australian mortgage broker distribution network originating home loans through a broker channel. Comparable in operating model (panel of lenders, broker-led advice) and customer segments, though backed by a major-bank parent which differs from Shore's independent positioning.
• Connective Home Loans: Major Australian mortgage aggregator and broker group providing lender panel access, technology, and back-office support to broker businesses. Directly comparable as a competitor broker network in the same independent mortgage intermediary space, often overlapping with Shore's agent and customer channels.

Broad incumbents

• Rocket Mortgage: US-based direct-to-consumer digital mortgage lender and the largest US mortgage originator. A broad incumbent in mortgage origination rather than a direct competitor in Australia, but referenced as the benchmark tech-enabled originator whose digital model informs competitive pressure on traditional brokers like Shore.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ShoreFinancial
• LinkedInlinkedin.com/company/shore-financial
• Instagraminstagram.com/shorefinancial
• Xx.com/Shore_Financial

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 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 Shore Financial