Mortgage Advice Bureau Australia

What Mortgage Advice Bureau Australia does

Mortgage Advice Bureau Australia, operating as MAB Broker Services Pty Ltd, is an Australian mortgage brokerage holding Australian Credit Licence 389087. The firm connects retail borrowers with loan products from over 40 lenders (some sources cite 80+), including major Australian banks, challenger banks, regional lenders, and specialist non-bank lenders. Its product suite spans home loans, refinancing, investment property loans, SMSF property lending, construction loans, self-employed loans, commercial finance, guarantor loans, bridging loans, reverse mortgages, and low-documentation loans. The firm is a franchise-style branch of the Mortgage Advice Bureau brand, with the Brisbane office predating the 2021 merger (originally founded in 2001), and additional offices across Sydney, Newcastle, Ivanhoe (Victoria), and Swan View (Western Australia). The firm distinguishes itself through SMSF lending specialization (Sydney alone has settled over $359 million in loans with a 92% approval rate) and the Care Beyond the Finance Program, which integrates vetted partner providers for insurance, financial planning, accounting, conveyancing, buyers agency, and relocation concierge services.

The business model is transaction-based: brokers earn upfront and/or trailing commissions from lenders on settled loans, augmented by optional flat-fee or percentage-based advice fees charged to customers. The go-to-market is sales-led through a distributed broker network operating in-person, by phone, and via video conference, supported by content marketing (educational articles, calculators, webinars), an email newsletter, and structured referral partnerships (notably 31+ accounting firm partnerships for SMSF lending). The technology stack is described as cloud-based loan management and customer data systems, with credit reporting integrations to Equifax, Experian, and Illion. Key executives include Mark Kevin (Managing Director and Finance Specialist, MAB Sydney; 25+ years of financial services experience; 2024 SMSF Broker of the Year winner) and Tracy Kearey (Managing Director, MAB Brisbane; team of 12+ brokers). The firm has accumulated 250+ international awards for service standards and 150+ for advice standards.

The firm operates as a private, independent entity with no publicly disclosed parent company, institutional investors, or external funding rounds. Ownership structure and revenue figures are not publicly disclosed. The legal entity is MAB Broker Services Pty Ltd, ACN 616 236 527, which holds the Australian Credit Licence and operates under the Mortgage Advice Bureau Australia brand. Compliance frameworks include the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2014. The company is actively operating across multiple Australian states with a national service footprint.

Name

Mortgage Advice Bureau Australia

Legal name

MAB Broker Services Pty Ltd

Website

https://mortgageadvicebureau.com.au

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Mortgage Advice Bureau Australia is a multi-city mortgage brokerage operating under ASIC Credit Licence 389087, connecting Australian retail borrowers with 40+ lenders across home loans, refinancing, investment, SMSF, and commercial finance.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA), Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Mortgage broking services
• Home loan advisory
• Property finance solutions
• SMSF property lending
• Loan refinancing services

Headquarters

HQ city

Brisbane

HQ country

Australia

HQ region

Oceania

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker commission from lenders: MAB brokers earn commissions from lenders when loans are settled. They may also charge flat fees or percentage-based fees for home loan advice services.
2. Broker advice fees: Brokers may charge an upfront fee for their services, or only charge if the loan is approved. Some brokers charge a flat fee or a percentage of the home loan amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Mortgage Advice Bureau Australia is a mortgage broking firm that arranges home loans, refinances, investment property loans, and specialized lending (SMSF, self-employed, construction, commercial) by matching individual borrowers with a panel of 40+ to 80+ Australian lenders. Broking services are provided at no direct cost to the client, with the firm compensated via lender commissions, and are delivered through physical offices across Brisbane, Sydney, Newcastle, Ivanhoe, and Perth, supplemented by phone, video, and online channels.

Product overview

Mortgage Advice Bureau Australia operates as a mortgage brokerage platform offering a comprehensive suite of lending products and financial services across Australia. The core offering centers on home loan broking services with access to 40+ to 80+ lenders, supported by specialized divisions including SMSF Property Lending (Sydney-based specialists), Commercial Finance (Newcastle), and Construction Loans. The company delivers both in-person and digital services through branch locations in Sydney, Newcastle, Brisbane, Ivanhoe (VIC), and Swan View (WA), complemented by online calculator tools (Borrowing Amount Calculator, Loan Health Check, Fixed Rate Expiry Calculator). Value-added services are provided through the Care Beyond the Finance Program, which connects clients with partner providers for insurance (life, income protection, building/contents), financial planning, legal/conveyancing, buyers agents, and concierge services. The Sydney office has developed specialized expertise in SMSF property lending and innovative construction finance products like Homepay (build now, pay later).

Differentiator

Problem solved

Functional benefit

Products and services

• Home Loans Core mortgage broking service that matches individual borrowers with suitable home loan products from a panel of 40+ to 80+ Australian lenders. Designed for owner-occupier and investor buyers seeking purchase finance.
• First Home Buyer Loans Mortgage broking service tailored to first home buyers, including guidance on government incentives, deposit requirements, and lender eligibility. Aimed at individuals entering the property market for the first time.
• Refinancing Broking service that switches an existing home loan to a new lender or product, typically for a better rate, debt consolidation, or changed loan features. Targeted at existing mortgage holders.
• Investment Property Loans Mortgage broking service focused on investment property finance, including structuring for negative gearing, interest-only repayments, and tax considerations. Designed for individual and SMSF investors.
• SMSF Property Lending Specialist broking service arranging property loans through self-managed super funds, including the limited recourse borrowing arrangement (LRBA) structure. Targeted at SMSF trustees and their advisors, with MAB citing a 92% SMSF approval rate.
• Self-Employed Loans Mortgage broking service for self-employed borrowers and contractors, matching them with lenders that accept alternative income documentation such as BAS statements or accountant declarations.
• Construction Loans Broking service arranging progress-payment construction loans for borrowers building a new home or undertaking substantial renovations, coordinating lender drawdowns against building stages.
• Guarantor Home Loans Broking service that structures home loans supported by a family member acting as guarantor, often used by first home buyers with limited deposits.
• Commercial Finance Broking service arranging commercial loans for business borrowers, including commercial property and business-purpose lending.
• Care Beyond the Finance Program A value-added care program extending client support beyond loan settlement, providing ongoing check-ins and loan health reviews across the life of the loan. Differentiates MAB from typical one-off broker engagements.
• Corporate / Employee Benefits Program Mortgage broking delivered as an employee benefit through partnerships with Australian employers, providing staff with access to MAB brokers as part of their workplace benefits package.

Quantifiable outcome

• Over $359 million in loans settled by MAB Sydney alone
• +2 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Finsura Insurance BrokingcoreStrategic or Co-development PartnerMAB partners with Finsura Insurance Broking to arrange building, contents, and landlord cover for clients as part of the Care Beyond the Finance Program. Finsura are brokers that search the market for the most appropriate insurance policy.
• ALI Insurance (My Protection Plan)coreStrategic or Co-development PartnerMAB partners with ALI Insurance to provide clients with access to the ALI My Protection Plan, a simple solution to help protect clients and their families against unexpected life events.
• MAB ConciergeminorStrategic or Co-development PartnerMAB Concierge team helps clients with professional moving and utilities relocation services including removalists, utilities, storage, pay TV, and broadband. They have helped move over half a million happy customers.
• Financial Planners and Accountants NetworkcoreStrategic or Co-development PartnerMAB works with awarded boutique financial planning and accounting businesses across Australia to provide wealth creation support, coaching, and direction for clients. This network is highlighted as a key differentiator.
• Buyers Agents NetworkminorStrategic or Co-development PartnerMAB has the best buyers agents in the country on speed dial, particularly specialist buyers agents for various property niches and areas in NSW.
• DEPRO (Depreciation Reports)minorStrategic or Co-development PartnerMAB partners with DEPRO for depreciation reports on investment properties. DEPRO guarantees at least double the fee in deductions in the first full financial year or provides the report for free.
• Accounting Firm PartnershipscoreChannel Partner/ Reseller/ DistributorMAB Sydney has 31+ accounting firm partnerships for SMSF referrals. Accountants regularly refer clients to MAB for SMSF borrowing needs given their professional credentials and extensive experience.
• 40+ Lender PanelcoreChannel Partner/ Reseller/ DistributorMAB has access to over 40 lenders including major Australian banks, challenger banks, regional lenders, and specialist non-bank lenders. This allows brokers to match clients with lenders whose policies best align with their financial position.
• Equifax Pty LtdcoreTechnology or IntegrationOne of the three credit reporting bodies MAB uses to assess credit eligibility information. Privacy policy states they use Equifax, Experian, and Illion for credit reporting.
• Experian Australia Credit Services Pty LtdcoreTechnology or IntegrationOne of the three credit reporting bodies MAB uses to assess credit eligibility information for finance applications.
• Illion Australia Pty LtdcoreTechnology or IntegrationOne of the three credit reporting bodies MAB uses to assess credit eligibility information for finance applications.
• HomepayminorStrategic or Co-development PartnerMAB Sydney is a Homepay accredited construction lending specialist, offering innovative construction loan solutions that allow zero mortgage repayments for up to 12 months during construction.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Choice Aggregation Services: Australian mortgage aggregator serving independent brokers with lender panel access and back-office support. Comparable aggregator model to MAB's broker network structure.
• Loan Market Group: Australian mortgage broker aggregator/franchise network with comparable multi-lender panel access and broker-affiliate model. Direct head-to-head competitor for broker recruitment and customer acquisition.
• Aussie Home Loans: Australia's largest mortgage broker franchise with similar retail-broker-led model, access to a panel of lenders, and metro/regional branch network. Closest direct competitor in scale and customer segments.
• Australian Finance Group (AFG): Large ASX-listed mortgage aggregator and broker network. Provides lender panel access, technology, and aggregation services to brokers — direct competitor in the broker support ecosystem.
• Mortgage Choice (REA Group): Long-established Australian mortgage broker franchise, now owned by REA Group. Competes for the same first home buyer, refinancing, and investor segments with a national branch network.
• Connective Home Loans: Major Australian mortgage aggregator providing broker services and lender panel access. Competes directly for broker affiliates and the same customer base.
• Smartline Personal Mortgage Advisers: NAB-aligned mortgage broker/adviser network that was integrated into NAB's broader advice business. Comparable broker-led distribution with multi-lender access.

Emerging players

• Lendi: Digital-first mortgage broker in Australia. While not a traditional broker network, it competes for the same refinancing and purchase customers through an online-led model, pressuring broker-led economics.
• HashChing: Australian online mortgage broker marketplace. Competes for the same first home buyer and refinancing segment through a digital lead-generation model, representing an alternative channel to MAB's relationship-led approach.

Broad incumbents

• Mortgage Advice Bureau (UK): UK parent/master brand of the Australian operation. Listed on AIM with hundreds of UK brokers and the international award credentials MAB Australia leverages. Comparable core business model in a different geographic market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mortgage-advice-bureau-australia

Compliance3 records

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 Mortgage Advice Bureau Australia