XIN Mortgage

What XIN Mortgage does

XIN Mortgage is an Australian financial services provider operating under XIN Group Pty Ltd, delivering integrated mortgage broking, financial planning, and specialty lending services through a network of five branches across New South Wales and Victoria. Its three operating divisions are XIN Mortgage (residential, commercial, business, SMSF, and car loan broking across 30+ lender relationships), XIN Wealth (financial planning, SMSF setup, retirement planning, tax and estate planning under XIN Wealth Pty Ltd AFSL 554115), and XIN Financial (niche lending for SMSF borrowers, non-residents, expats, low-doc self-employed borrowers, and NDIS property financing). The company serves 6,139+ clients with 36 licensed brokers and reported a $2.5B+ loan book with $1.2B+ in annual settlements.

The technology stack is modest and operations-focused rather than AI-driven: a web-based client portal (portal.xin.com.au) for account access, a partner smart platform providing dashboard visibility, lead tracking, commission management, and auto-invoicing for accountant and buyer-agent referral partners, and a suite of 12 online financial calculators covering refinancing, stamp duty, borrowing power, loan comparison, and budget planning. Mortgage broking operates under Vow Financial Pty Ltd (ACL 390261) and XIN Financial under its own ACL 540600, with the company structured across multiple wholly-owned Pty Ltd entities per branch.

The business model blends transaction commissions (paid by lenders on settled loans, both upfront and ongoing trails), recurring membership fees (Signature Lite at $1,200+GST per year), professional services fees ($990 for a Financial Planning Strategy Session; SMSF setup at $2,000-4,000 plus $2,000-5,000+ annual), and partner referral economics. Customer acquisition runs through in-house broker teams, an accountant/buyer-agent partner referral program paying commission splits, and educational demand generation via the XIN Commercial Masterclass and XIN Wealth Talk webinar series. The company is privately held with no disclosed institutional or PE ownership, ranks No. 5 nationally in the 2026 Mortgage Professionals Australia rankings, and is positioned #21 in The Adviser Top 25 Brokerages 2026.

Name

XIN Mortgage

Legal name

XIN Group Pty Ltd ACN 697 905 034

Website

https://xin.com.au

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

XIN Mortgage is an Australian mortgage brokerage and financial services group operating five branches across NSW and Victoria, serving over 6,139 clients with 36 licensed brokers across residential, commercial, SMSF, and specialty lending via three divisions: XIN Mortgage, XIN Wealth, and XIN Financial.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162), Investment Advice (6282)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

akta.pro secondary industry

Non-QM / Alternative Documentation Mortgage Origination (FSALAAAJ)

Keywords

• Mortgage broking
• Financial planning
• Wealth management
• Commercial lending
• SMSF lending

Headquarters

HQ city

North Sydney

HQ country

Australia

HQ region

Oceania

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broker Commissions: XIN Mortgage earns commissions from lenders (both major banks and non-bank lenders) for residential, commercial, and SMSF loans placed. Commissions include upfront commissions and ongoing trail commissions for the life of the loan. Loan products include residential home loans, commercial property loans, business loans, SMSF loans, and car loans.
2. Financial Planning Fees: XIN Wealth charges $990 (GST inclusive) for a 60-minute Financial Planning Strategy Session. The fee is credited toward Stage 2 implementation costs if the client proceeds within 30 days. Full SMSF setup costs range $2,000–$4,000 with ongoing annual costs of $2,000–$5,000+.
3. Referral Partner Commissions: Accountant and buyer agent partners earn referral fees based on splits of upfront and ongoing trail commissions from settled loans, including commission splits from future deals with referred customers.
4. Signature Lite Membership: $1,200+GST annual membership offering integrated mortgage and financial planning support including initial health check, home loan rate review, EOFY financial review, annual financial health check, and dedicated relationship manager.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

XIN Mortgage is an Australian financial services group that brokers mortgage, commercial, business, SMSF, and car loans for individual consumers and businesses through a network of 36 licensed brokers and 30+ lenders. The group also provides integrated financial planning, SMSF setup, education bond advisory, and specialized lending for non-residents and low-doc borrowers via XIN Wealth and XIN Financial.

Product overview

XIN Mortgage operates as a multi-service financial services provider offering three core divisions: XIN Mortgage (mortgage broking), XIN Wealth (financial planning), and XIN Financial (specialized lending). The product portfolio includes mortgage loans (residential, commercial, business, SMSF), specialized lending products (Low Doc, Non-Resident, Expat, NDIS loans), financial planning services (SMSF, Education Bond, Financial Planning Sessions), a Signature Lite membership program, 12 financial calculators, and educational programs (Commercial Masterclass, Wealth Talk). The offering is structured as a platform-plus-modules architecture where the three core divisions are supported by supplementary services including calculators, membership programs, and partner referral tools. The company also operates a network of five branch locations across Sydney, Melbourne, and Penrith.

Differentiator

Problem solved

Functional benefit

Brands

• XIN Signature Lite: A simplified financial wellness membership program offering ongoing guidance through combined mortgage broker and financial planner expertise, including annual health checks, home loan rate reviews, and EOFY financial reviews.
• XIN Partner Program
• XIN Commercial Masterclass
• XIN Wealth Talk

Products and services

• XIN Mortgage Core mortgage broking service guiding homeowners and investors to choose the right home loan to become debt free and equity rich, including residential, commercial, business, SMSF, and car loans, plus refinancing and debt consolidation across 30+ lenders.
• XIN Wealth Wealth management and financial planning service acting as a catalyst for growing and safeguarding assets through investment management, insurance protection, cashflow planning, tax planning, retirement planning, estate planning, and SMSF planning.
• XIN Financial Specialty lending service curating loan options for borrowers with unique needs, including SMSF loans, expat and non-resident loans, easy refinance options, and Low Doc loans for self-employed individuals who cannot provide sufficient documentation.
• XIN Signature Lite Membership Annual financial wellness membership ($1,200+GST) combining mortgage and financial planning expertise, including a dedicated relationship manager, initial health check meeting, home loan rate review, EOFY financial review, and annual financial health check.
• XIN Financial Planning Session Paid 60-minute financial planning strategy session ($990 GST inclusive) with a senior financial adviser, including pre-session review, adviser preparation, focused consultation, and post-session planning summary. Fee credited toward broader XIN Wealth service if client proceeds within 30 days.
• XIN SMSF Service Comprehensive Self-Managed Super Fund service covering strategy design, fund setup, bank account opening, lending solutions for property investment, agent coordination, and property settlement assistance. Setup costs $2,000–$4,000 with ongoing annual costs of $2,000–$5,000+.
• XIN Education Bond Education investment planning service helping families manage rising school fees through Education Bonds with tax benefits, cash flow management strategies, and expert tax claim assistance across government, Catholic, and independent schools.
• XIN Partner Program Referral and partnership program for accountants and buyer agents offering upfront and ongoing trail commissions on settled loans, dedicated account management, and access to a smart partner platform with dashboard, leads tracking, and auto invoicing.

Quantifiable outcome

• Ranked No. 5 Nationwide — Mortgage Professionals Australia National Rankings 2026
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• XIN Wealth Pty LtdcoreStrategic or Co-development PartnerTNT Wealth Management Pty Ltd (ABN 15 631 073 204, Corporate Authorised Representative No. 1274256) operates as XIN Wealth, a corporate authorised representative of XIN Wealth Pty Ltd (AFSL No. 554115). XIN Wealth provides financial planning, SMSF, investment, and wealth management services under the XIN brand umbrella.
• Accountant PartnerscoreChannel Partner/ Reseller/ DistributorAccountant partners refer clients to XIN Mortgage for loan services and earn commission through the Partner Program. Partners receive upfront and ongoing trail commissions on settled loans, dedicated account manager support, and access to a smart platform for lead tracking, commission management, and auto invoicing.
• Buyer Agent PartnerscoreChannel Partner/ Reseller/ DistributorBuyer agent partners refer clients to XIN Mortgage for commercial and residential loan services. Partners earn commission based on upfront and trail commission splits from settled loans. Dedicated support includes account manager, XIN management escalation support, and solution team access.
• 30+ Lender PartnerscoreChannel Partner/ Reseller/ DistributorXIN has access to 30+ lenders including major banks and non-bank lenders, enabling the company to offer a wide range of residential, commercial, SMSF, low doc, and non-resident loan products. Lender variety supports matching clients with the right product for their unique circumstances.
• The Performance Property WayminorStrategic or Co-development PartnerFeatured as a guest expert in the XIN Commercial Masterclass webinar series on 'How to Grow Your Commercial Property Portfolio.' The Performance Property Way presented their framework for successful commercial property portfolio growth alongside XIN's commercial lending expertise.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Loan Market Group: Aggregator-style mortgage broker group supporting a network of brokers across Australia, with revenue from lender commissions. Comparable to XIN on broker-supported residential lending and partner/broker recruitment model.
• Yellow Brick Road: Australian financial services business combining mortgage broking with financial planning and wealth advice. Directly comparable to XIN's integrated Mortgage + Wealth + Financial platform model.
• Aussie Home Loans: One of the largest mortgage broker brands in Australia, with a national store network arranging home loans across major and non-bank lenders. Highly comparable to XIN on customer-facing broker model and lender panel breadth.
• Astute Financial Group: Mid-sized Australian mortgage broker group offering residential and commercial lending through a panel of lenders. Comparable to XIN on multi-state branch presence, commercial lending focus, and commission-driven broker model.
• Mortgage Choice: Long-established Australian mortgage broker network arranging residential loans through a panel of lenders for retail customers. Closely comparable to XIN on core mortgage brokerage activity, multi-state branch model, and adviser-led distribution.

Others

• RateMyAgent: Australian real estate agent comparison platform adjacent to the property transaction funnel. Comparable as a proptech ecosystem peer that influences how borrowers discover brokers and agents (XIN's accountant and buyer agent partners).
• Vow Financial: Australian credit licensee and aggregation platform under which XIN's mortgage entities operate as Credit Representatives. Comparable as the underlying license/aggregator infrastructure provider to XIN's broker activity.

Broad incumbents

• Australian Finance Group (AFG): Large Australian mortgage aggregator and finance group with thousands of brokers on its panel and diversified lending products. Comparable as a broader incumbent that XIN's brokers effectively compete against for lender allocations.

Emerging players

• Resi Home Loans: Australian non-bank lender and broker-focused platform offering residential loans distributed via brokers. Comparable as a lending counterpart to XIN's broking model, with overlap on residential brokerage infrastructure.
• Connect Mortgage Brokers: Smaller Australian mortgage brokerage arranging residential and specialty loans through lender panels. Comparable to XIN on commission-based broking and lender panel structure, though at smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/XINMortgage
• Facebookfacebook.com/xinmortgage
• LinkedInlinkedin.com/company/xinmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 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 XIN Mortgage