FinSecure

What FinSecure does

FinSecure Finance Pty Ltd is an Australian boutique mortgage manager and specialist lender, founded in 2022 by Kristy Alam (Managing Director) alongside executive officer Matthew Fernihough, and operating under Australian Credit Licence 526712. Headquartered at Drummoyne, NSW, with 11-50 employees, the company originates and manages residential, commercial, SMSF, construction (including alt doc up to $5M), development (up to $40M capacity), bridging and short-term loans for borrowers who do not fit major bank criteria, accepting one year tax returns, BAS statements and accountant declarations in place of the standard two years of full financials.

The product surface spans eight lending solutions, with full-doc and alt-doc residential loans up to $5M and 95% LVR, SMSF loans up to 90% LVR across metro, non-metro and regional areas, and a stated platform-plus-products architecture. FinSecure does not position itself as a technology company; credit assessment is performed by specialist underwriters rather than algorithmic scoring, and there are no disclosed AI/ML capabilities, APIs or proprietary technology components beyond broker and customer web portals.

The business model generates revenue primarily through interest on originated loans, application fees from $550 and risk fees of 0.50%-2.00%, while paying upfront and trail commissions to a broker referral network that operates independently of aggregator panels. Distribution combines owned branches across NSW, VIC and QLD, a parallel franchise buildout, direct accreditation of mortgage brokers, accountants and financial advisers, and digital broker and customer portals. The firm is expanding nationally into ACT, WA, SA, NT and additional regional centres.

Name

FinSecure

Legal name

FinSecure Finance Pty Ltd

Website

https://finsecure.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

FinSecure is an Australian boutique mortgage manager that originates and manages residential, commercial, SMSF, construction, development, bridging and short-term loans for self-employed borrowers who do not fit traditional bank criteria, distributing via broker referrals, owned branches and a franchise network.

Ownership category

akta.pro rank

Product category

Specialty Mortgage Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Private Credit — Structured Credit (CLOs, ABS, Private Securitizations) (FSAHAJAH)

Keywords

• Alternative mortgage lending
• Self-employed home loans
• SMSF property lending
• Construction development finance
• Bridging finance solutions

Headquarters

HQ city

Pyrmont, New South Wales

HQ country

Australia

HQ region

Oceania

Offices17 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: As a mortgage manager and lender, FinSecure generates primary revenue from interest charged on loans it originates and manages. Loans include residential, commercial, SMSF, construction, development finance, and bridging finance products.
2. Application and Risk Fees: Fees charged at loan origination including application fees starting from $550 and risk fees ranging from 0.50% to 2.00% of the loan amount for alt doc products.
3. Broker Commissions: Commissions paid to referring brokers including upfront and trail commissions for eligible referrals. FinSecure pays commissions directly to broker businesses under dedicated referral agreements.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

FinSecure is a boutique mortgage manager and specialist lender providing alternative documentation lending solutions for self-employed Australians who cannot access traditional bank finance. The company accepts one year of tax returns, BAS statements, and accountant declarations instead of the two years of perfect financials required by major banks, with human credit assessment by experienced specialists. Its product range covers residential, commercial, SMSF, construction, development, bridging, and short-term finance.

Product overview

FinSecure is a boutique mortgage manager and specialist lender focused on self-employed Australians. The company operates a platform-plus-products architecture offering eight distinct lending solutions: Residential Loans (full doc and alt doc variants), Commercial Loans, SMSF Lending, Alternative Loan Solutions (encompassing low doc, construction, bridging, and short-term funding), Development Finance, and Bridging Finance. The core differentiator is flexible documentation requirements accepting one year tax returns versus the industry standard two years, with human credit assessment rather than algorithmic scoring. Maximum development capacity reaches $40 million; individual residential loans go up to $5 million with LVR up to 95%; alt doc construction lending up to $5 million.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Loans Home loans tailored for self-employed borrowers, owner-occupiers, and investors. Offers both full doc and alt doc documentation options, accepting one year of financials, BAS statements, and accountant declarations, with maximum LVR up to 95% and loan amounts up to $5,000,000.
• Commercial Loans Commercial property financing for purchasing or refinancing investment properties anywhere in Australia. Supports both owner-occupier and investment scenarios with flexible lending solutions that accommodate complex business income structures.
• SMSF Lending Self-Managed Super Fund property lending for acquiring residential and commercial properties through superannuation. Includes setup of limited recourse borrowing arrangements, supporting LVR up to 90% on metro, non-metro, and regional properties.
• FinSecure Alternative Loan Solutions Alternative documentation and low doc lending solutions for self-employed borrowers when traditional banks decline applications. Accepts one year tax returns, BAS statements, and accountant declarations, and includes low doc, alt doc, property development finance, renovation loans, bridging finance, and investment property loans.
• Construction Loans Construction financing for builders and self-employed borrowers undertaking building projects. Alt doc construction lending available up to $5 million with specialist credit assessment by experienced underwriters.
• Development Finance Property development financing for small to medium projects. Maximum development capacity up to $40 million with specialist credit assessment by the in-house credit team.
• Bridging Finance Short-term bridging finance solutions to assist borrowers transitioning between properties or financing arrangements when timing gaps exist.
• Short Term Funding Short-term lending solutions for borrowers needing quick access to finance, typically outside traditional bank criteria, including bridging and short-tenor facilities.

Quantifiable outcome

• Accepts one year tax returns instead of two years required by traditional lenders
• +5 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered minor.

• Samaanta FoundationminorOthersFinSecure proudly supports the Samaanta Foundation, a Nepal-based not-for-profit organization dedicated to breaking the cycle of poverty through education. Through scholarships, mentorship, leadership development, and ongoing support, the Foundation empowers talented students from disadvantaged backgrounds.
• Chris O'Brien LifehouseminorOthersFinSecure supports Chris O'Brien Lifehouse, one of Australia's leading comprehensive cancer centres. Through world-class treatment, research, education, and patient care, Lifehouse provides hope and support to thousands of individuals and families affected by cancer each year.
• Lifeline AustraliaminorOthersFinSecure supports Lifeline Australia and its critical crisis support and suicide prevention services. Lifeline plays an essential role in helping Australians navigate difficult times by providing access to confidential support, resources, and assistance.
• Finance Brokers Association of Australia (FBAA)minorStrategic or Co-development PartnerFinSecure is proud to support the FBAA and its efforts to strengthen and advance the mortgage and finance broking industry. Through advocacy, education, and professional development initiatives, the FBAA helps support brokers and uphold industry standards across Australia.
• National Finance Brokers DayminorStrategic or Co-development PartnerFinSecure is proud to support National Finance Brokers Day, an initiative that recognises and celebrates the important role finance and mortgage brokers play in helping Australians achieve their financial goals. The day highlights the value brokers bring to consumers, businesses, and the broader economy.

Scale indicators4 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Liberty Financial: Major Australian non-bank lender offering residential, SMSF, and alt-doc products via broker channels; competes head-to-head with FinSecure for self-employed and complex-income borrowers.
• BC Securities (Better Choice): Australian non-bank lender with a portfolio that includes self-employed and alt-doc residential and commercial loans originated through brokers — directly comparable niche.
• Mortgage Ezy: Australian non-bank mortgage manager offering low-doc, alt-doc, and SMSF products distributed through brokers; similar boutique positioning and product mix to FinSecure.
• RedZed: Australian non-bank specialist lender focused on self-employed, SMSF, and complex-income borrowers via the broker channel — a close peer on the alt-doc and SMSF axis.
• Firstmac: Large Australian non-bank mortgage lender and RMBS issuer offering prime, near-prime, and specialist products via brokers; competes with FinSecure on residential lending breadth and broker service.
• La Trobe Financial: Australian non-bank lender and fund manager specialising in residential, commercial, and SMSF lending distributed via broker networks, overlapping FinSecure's core product suite.
• Bluestone Home Loans: Australian non-bank specialist lender with full-doc, alt-doc, and SMSF products distributed through mortgage brokers — comparable niche and channel to FinSecure.
• Pepper Money (Australia): Australian subsidiary of Pepper Group providing specialist residential and commercial alt-doc lending through brokers; directly competes with FinSecure for non-conforming self-employed borrowers.
• Resimac: Australian non-bank mortgage lender and manager with significant alt-doc, SMSF, and specialist self-employed product range, directly comparable to FinSecure's niche and broker-distribution model.

Broad incumbents

• Thinktank (formerly RAMS): Australian non-bank lender with a broader residential, SMSF, and commercial product suite distributed via brokers; overlaps FinSecure's offering but operates at significantly greater scale and balance-sheet depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/finsecure.au
• LinkedInlinkedin.com/company/finsecure-finance-pty-ltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 FinSecure