Compare Home Loans

What Compare Home Loans does

Compare Home Loans monetizes exclusively through affiliate/referral commissions from its broker network; there is no direct fee to the consumer, with an obligation-free consultation model underpinning the funnel. The company operates as a division of Finsure Finance and Insurance — one of Australia's largest mortgage broking networks — and functions structurally as a lead-generation and routing layer for Finsure-affiliated brokers rather than as an independent lender or standalone tech vendor. Target segments include first-home buyers, property investors, refinancers, self-employed borrowers, and non-prime/bad-credit borrowers, with a three-step funnel (enter details, receive eligibility results, broker call within two business days) and parallel phone-based intake via the 1300 466 356 hotline. The business holds Credit Representative status (Number 417207) under Finsure's Australian Credit Licence (384704) and complies with the Australian Privacy Principles and AML/CTF Act. There are no disclosed funding rounds, no M&A activity, and no separate revenue disclosures in the available data.

Name

Compare Home Loans

Legal name

1300 Home Loan Holdings Pty Ltd

Website

https://comparehomeloans.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Compare Home Loans is an Australian web-based mortgage comparison platform that matches consumers against 1,000+ loan products from 50+ lenders and routes them into the Finsure/1300HomeLoan broker network for origination, serving first-home buyers, investors, refinancers, and non-prime borrowers.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

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

Keywords

• Home loan comparison
• Mortgage broker network
• Loan refinancing services
• First home buyer loans
• Investment property loans

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Referral Commissions: Revenue generated through referral arrangements with mortgage brokers in the 1300HomeLoan network. Brokers receive leads from the comparison platform and presumably pay referral fees or share commission on originated loans.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Compare Home Loans operates a web-based home loan comparison engine that lets Australian consumers compare over 1,000 mortgage products from more than 50 lenders in approximately 60 seconds. After comparison, customers are connected with qualified local mortgage brokers from the 1300HomeLoan/Finsure network for obligation-free consultations, loan selection guidance, and assistance with the application through to settlement.

Product overview

Compare Home Loans operates as a loan comparison aggregator and broker connection platform. The core offering is the Home Loan Comparison Engine, which enables users to compare over 1000 home loan products from more than 50 Australian lenders through a three-step process: entering details, receiving eligibility results, and connecting with a mortgage broker. The Mortgage Broker Connection Service complements the comparison engine by linking users with qualified brokers from the 1300HomeLoan/Finsure network to provide personalized consultation and application assistance. The platform targets first-home buyers, property investors, and those seeking refinancing options.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loan Comparison Engine A web-based comparison engine that evaluates over 1,000 home loan products from more than 50 Australian lenders using proprietary algorithms to match Australian borrowers with suitable mortgage options based on loan purpose, property type, deposit amount, and credit profile, and to surface eligibility results in approximately 60 seconds.
• Mortgage Broker Connection Service A free obligation-free service that connects Australian consumers who have used the comparison engine with qualified local mortgage brokers from the 1300HomeLoan/Finsure network for personalised consultation, loan selection guidance, and assistance with home loan applications through to settlement.

Quantifiable outcome

• Save thousands in interest repayments through optimal loan selection

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• 1300HomeLoan Broker NetworkcoreChannel Partner/ Reseller/ Distributor1300HomeLoan is the broker network through which Compare Home Loans operates. It is described as a leading broker network with local brokers who run owner-operated businesses. The partnership provides nationwide coverage through dedicated and professional local mortgage brokers who help customers with loan applications.
• Finsure Finance and InsurancecoreStrategic or Co-development PartnerFinsure is described as one of Australia's largest mortgage broking networks. Compare Home Loans operates as a division of Finsure. The company also relies on Finsure for mortgage broker software and data inputs used in the comparison engine.
• 50+ Australian LenderscoreChannel Partner/ Reseller/ DistributorOver 50 Australian lenders provide home loan products available through the comparison platform, including major banks and non-bank lenders. These lenders supply the mortgage products that customers can compare.

Scale indicators3 records

Recent moves4 records

Expansion highlights3 records

Direct peers

• Finder Australia: Leading Australian comparison site covering home loans, credit cards and insurance. Competes directly for organic search traffic on mortgage comparison queries and connects users to lender and broker partners.
• iSelect: Australian comparison aggregator operating across insurance, energy and lending verticals. Overlaps in home loan comparison and broker referral economics with a broader multi-product platform strategy.
• RateCity: Australian financial product comparison platform with strong home loan comparison offering. Direct competitor in the consumer-facing mortgage comparison category, targeting the same first-home-buyer and refinancer segments.
• Canstar: Australian financial comparison and ratings provider with a home loan comparison vertical. Competes for the same comparison-intent audience and uses star-rating methodology alongside lender panel coverage.
• InfoChoice: Australian financial comparison platform focused on home loans, credit cards and deposits. Direct competitor in the mortgage comparison category with a similar broker-referral monetization approach.

Broad incumbents

• REA Group (realestate.com.au): Dominant Australian property portal with an emerging home loans and broker referral business. Captures property-intent traffic upstream and is increasingly competing for the lead-generation and comparison layer that Compare Home Loans targets.
• Aussie Home Loans: Large Australian retail mortgage broker with a national branch network and broker channel. Operates a broader origination business but overlaps with Compare Home Loans in mortgage broker intermediation and lender panel access.
• Mortgage Choice: Established Australian mortgage broker franchise with a national broker network and panel of lenders. Overlaps with Compare Home Loans on residential mortgage brokerage and lender comparison, though distributes through a franchise model.

Emerging players

• Domain Group: Major Australian property platform that has expanded into home loan and finance comparison services. Represents a competitive threat at the top of the property purchase funnel, leveraging property search traffic to drive loan leads.

Others

• Finsure Finance and Insurance: Parent company and aggregator network providing the broker channel, software, and credit licence underpinning Compare Home Loans. Not a competitor but a structural counterparty whose strategy and economics directly determine Compare Home Loans' revenue.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights5 records

Customer concentration

• Instagraminstagram.com/comparehomeloans

Compliance3 records

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 Compare Home Loans