Special Finance

What Special Finance does

Special Finance, trading as LVOP Home Loans Pty Ltd (ABN 30 607 946 243), is an Australian mortgage brokerage headquartered at 402/26 Charles Street, South Perth, Western Australia. Founded in 2016 by Leon Liu, the firm operates as a credit representative under Australian Credit Licence 389328 and provides residential home loans, refinancing, investment property loans, car loans, commercial property and development finance, business loans, and insurance products. The business is differentiated by access to a panel of 39 lenders including all Big 4 Australian banks, with an explicit niche focus on borrowers whose circumstances are underserved by mainstream lenders, such as self-employed borrowers, overseas buyers, first home buyers, and the Chinese-Australian community in Perth (supported by a dedicated Chinese-language website). Customer engagement is direct-to-consumer, with free consultations offered via website enquiry, phone (0402 609 178), email, in-person meetings at the Perth office, and mobile outreach, and the firm claims Australia-wide service despite its single Perth location.

The underlying technology stack is minimal and non-proprietary: the website is hosted on Squarespace, no app, API, or SDK is offered, and the technology field explicitly states no proprietary platform is involved. Loan matching, structuring, and client servicing are delivered manually by the founder and a small leadership team. Revenue is generated through standard mortgage broking commissions paid by lenders, comprising upfront commissions on settled loans and trail commissions on the ongoing loan book. Special Finance is privately held with no disclosed institutional investors, parent company, or funding rounds; ownership and control appear concentrated in founder Leon Liu, who acts as Finance Director and primary client contact. The firm's scale is small (1-10 employees), and its competitive positioning relies on personalized service, lender panel breadth, and ethnic-niche marketing rather than technology differentiation or scale advantages.

Name

Special Finance

Legal name

LVOP Home Loans Pty Ltd

Website

https://specialfinance.com.au

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Special Finance (LVOP Home Loans Pty Ltd) is a Perth-based Australian mortgage broker offering home, car, commercial, and business loans plus insurance through a panel of 39 lenders, with a niche focus on self-employed, overseas, and Chinese-Australian borrowers.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

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

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Home loan services
• Commercial lending
• Car loan finance
• Loan comparison broker

Headquarters

HQ city

South Perth

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Broking Commissions: Special Finance earns upfront commissions from lenders when loans settle, and trail commissions on ongoing loan book balances. This is standard practice for Australian mortgage brokers operating under an Australian Credit Licence.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

Special Finance is an Australian mortgage brokerage operating under LVOP Home Loans Pty Ltd (ABN 30 607 946 243) from South Perth, Western Australia. The brokerage arranges home loans, car loans, commercial loans (commercial property, property development, and business loans), and insurance products through 39 lender partners including the Big 4 Australian banks, operating under Australian Credit Licence 389328 and Credit Representative 445704.

Product overview

Special Finance is a mortgage broker offering a suite of financial products through 39 partner lenders including the Big 4 Australian banks. The core product portfolio consists of Home Loans (covering first home buyers, next home buyers, overseas buyers, and self-employed borrowers), Car Loans (for vehicles, trucks, and caravans), Commercial Loans (including commercial property, property development, and business financing), and Insurance Products (loan protection, landlord, home and contents, and car insurance). The company also provides refinancing services to help clients save money, consolidate debt, access equity, and fund renovations. All services are integrated through a seamless, customized process managed from start to finish.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Residential mortgage brokering service for individuals seeking finance to purchase or refinance residential property, arranged through 39 lender partners including the Big 4 Australian banks.
• Car Loans Vehicle finance brokering service for individuals seeking loans for personal vehicle purchase, arranged via lender partners.
• Commercial Loans Commercial finance brokering service covering commercial property loans, property development finance, and general business loans for businesses, arranged through lender partners.
• Insurance Loan-related and general insurance products arranged for customers through partner providers, complementing the home, car, and commercial loan offerings.

Named customers1 record

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• ALI GroupcoreStrategic or Co-development PartnerInsurance partner providing loan protection insurance, landlord insurance, home and contents insurance, and car insurance products through Special Finance.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Market position

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Special Finance