Mike Phipps Finance

What Mike Phipps Finance does

Mike Phipps Finance is a boutique finance brokerage and consultancy service specializing in management rights and accommodation finance, operating in Australia. The firm was founded by Mike Phipps, a career banker with over 30 years of experience who previously served as National Business Development Manager for the Management Rights and Strata sector at a major Australian bank. The company operates under the legal entity Phippsfin Pty Ltd (ACN 139 124 673) and holds an Australian Credit Licence (364314), with MFAA accreditation and AFCA membership. The team of 7 brokers, including senior finance broker Paul Grant (who has facilitated over $1B across 750+ transactions since joining in 2013), serves management rights buyers, motel and caravan park operators, body corporate entities, and property investors across Queensland, New South Wales, and Victoria.

The firm's core service is a finance tender process that creates competitive tension between multiple lenders to secure optimal financing terms for clients. Product offerings include management rights finance, motel and caravan park finance, body corporate finance, and property finance under the Phipps Property Finance sub-brand. The company also operates MPF Home Loans (mpfhomeloans.com.au) as a separate sub-brand for residential lending, and maintains partnerships with Quest Apartment Hotels for franchise acquisition financing and Transaction Management Consultants for end-to-end purchase support. Revenue is generated through broker commissions from lenders and financial institutions, with a free, no-obligation initial consultation serving as the top-of-funnel entry point.

The go-to-market is predominantly sales-led and relationship-driven, leveraging the founder's 30+ years of banking relationships, over 100 years of combined team experience, and active participation in the Australian Resident Accommodation Managers Association (ARAMA). Growth channels include industry seminars, referrals from legal and transaction advisory partners, Google reviews (57 excellent ratings), and direct client engagement via the Noosaville headquarters. The firm operates with a boutique direct-to-client model without digital storefronts or marketplace listings, relying on word-of-mouth and industry reputation as the primary demand generation mechanism.

Name

Mike Phipps Finance

Legal name

Phippsfin Pty Ltd ACN 139 124 673

Website

https://mikephippsfinance.com.au

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Mike Phipps Finance is an Australian boutique finance brokerage specializing in management rights and accommodation finance, serving buyers and operators of management rights businesses, motels, caravan parks, and strata properties across Queensland, New South Wales, and Victoria through a multi-lender tender process.

Ownership category

akta.pro rank

Product category

Commercial Finance Brokerage (Management Rights and Accommodation)

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Management rights finance
• Accommodation finance
• Commercial loan brokerage
• Motel finance brokerage
• Strata property finance

Headquarters

HQ city

Noosaville

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, Others

Revenue model

1. Finance Brokerage and Consultancy: The company acts as a boutique finance brokerage and consultancy, facilitating finance for management rights, accommodation, motel, caravan park, and strata property purchases. Revenue is generated through broker commissions from lenders and financial institutions, with a finance tender process that creates competitive tension between multiple lenders on behalf of clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Mike Phipps Finance is a boutique finance brokerage and consultancy that arranges finance for management rights, accommodation, motel, caravan park, and strata property purchases. The firm matches clients with lenders through a finance tender process that creates competitive tension between multiple lenders, providing guidance from initial assessment through to settlement. The company also offers home loans through a separate MPF Home Loans brand targeting accommodation industry professionals.

Product overview

Mike Phipps Finance is a boutique finance brokerage offering specialized accommodation and property finance services. The core offering is Management Rights Finance, supplemented by MPF Home Loans for residential financing needs. The company also provides niche financing for motels, caravan parks, body corporate entities, and general property finance through its Phipps Property Finance brand. A partnership arrangement with Quest Apartment Hotels extends financing services to hotel acquisitions. The service portfolio is delivered through a team of experienced brokers who provide guidance from initial assessment through to settlement, with access to multiple lenders through the company's finance tender process.

Differentiator

Problem solved

Functional benefit

Products and services

• Management Rights Finance Specialized finance brokerage service for individual buyers and operators of management rights businesses, including those acquiring letting rights in residential and resort complexes. The service covers assessment of requirements, explanation of the purchase and finance process, summary of likely purchasing range, introductions to industry professionals, and support through to settlement.
• MPF Home Loans Home loan financing services for individual clients, particularly those in the accommodation industry, offered through a separate entity (mpfhomeloans.com.au) targeting clients requiring residential property finance.
• Motel & Caravan Park Finance Specialized finance brokerage for motel and caravan park businesses, providing specialized process guidance, borrowing capacity assessment, and access to lenders familiar with the asset class.
• Body Corporate Finance Finance brokerage for body corporate entities managing strata-titled properties, addressing body corporate loan requirements distinct from standard property finance.
• Phipps Property Finance General property financing solutions offered under the Phipps Property Finance brand, covering strata property development and refinancing needs.
• Quest Apartment Hotels Finance Financing services for Quest Apartment Hotel acquisitions, offered in partnership with Quest Apartment Hotels, supporting buyers of this specific accommodation brand.

Quantifiable outcome

• Over $1B in transactions facilitated across 750+ deals

Named customers3 records

Segments4 records

Ideal customer profiles4 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.

• Transaction Management Consultantskey partnerStrategic or Co-development PartnerTransaction Management Consultants assist buyers in ensuring that the assessment, negotiation and purchase process runs smoothly. They are referred to as a key partner on the Mike Phipps Finance website, helping buyers navigate the full purchase process. Mike Phipps Finance works closely with them to provide a seamless client experience in management rights transactions.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Aussie Home Loans: One of Australia's largest retail mortgage brokers with a national branch network. Comparable as a major Australian finance intermediary, though Aussie focuses primarily on residential lending rather than management rights and accommodation finance.
• Suncorp Bank: Major Australian bank that lends to accommodation and commercial property clients. Comparable as a major counterparty lender that MPF brokers to, and as a benchmark for commercial lending criteria in the management rights space.
• Pepper Money: Australian non-bank lender specializing in residential, commercial, and asset finance. Comparable as a non-bank lender counterparty in the Australian credit market, with overlapping client segments in commercial and specialty lending.
• Mortgage Choice: Large Australian mortgage broker network (part of REA Group) offering residential and commercial loan brokerage across a wide customer base. Comparable as a major Australian finance brokerage, though MPF operates in a more specialized commercial/accommodation niche.
• Liberty Financial: Australian non-bank lender offering residential, commercial, and asset finance. Comparable as a specialist non-bank lender that MPF brokers to for clients who don't fit major bank criteria, particularly in commercial and niche lending.
• Smartline: Australian mortgage broker brand now part of REA Group, with a focus on personal service and broker network. Comparable as an established Australian broker with mobile/adviser model, though MPF is a smaller boutique specializing in management rights.

Emerging players

• Lendi: Digital-first Australian mortgage broker and lender, backed by NAB. Comparable as a competitor in the Australian finance brokerage space, though Lendi focuses on tech-driven residential origination rather than MPF's commercial niche.

Direct peers

• Choice Aggregation Services: Australian aggregation group providing lender panel access and support to independent finance brokers. Comparable as an alternative 'broker-as-a-business' model that MPF could either partner with or compete against for broker services.
• Astute Financial Group: Large Australian mortgage and finance broker aggregator with a network of credit representatives. Comparable as a broker network model where individual brokers operate under a shared brand, similar to MPF's credit representative structure.

Regional players

• Honan (Honan Insurance Group): Specialist Australian insurance and risk advisor for hospitality, accommodation, and property sectors. Comparable as a boutique Australian advisory firm serving the accommodation and management rights industry, with overlapping client base and referral potential.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mikephippsfinance

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Mike Phipps Finance