Cape Finance Group

What Cape Finance Group does

Cape Finance Group is a privately held Australian mortgage and asset finance brokerage headquartered in Rozelle, NSW, founded in 2009 by director and mortgage broker Evan Christie. The firm operates with a two-person team consisting of Christie as Director/Broker and Daniela Parisi as Loans Administrator, holding Australian Credit Licence Number 387035. Its core business is intermediating between borrowers and a multi-lender panel accessed via the Connective Brokers aggregator network, using the Connective Mercury Platform for loan aggregation, management, and off-site operations.

The firm's product portfolio spans residential mortgage products (first home buyer loans, next home buyer loans, investment loans, refinancing services, standard variable and fixed rate loans, honeymoon loans, and bridging loans), commercial lending (commercial property and business loans), and asset finance covering private and commercial vehicles, plant and equipment, leases, and chattel mortgages. Customers are segmented across first home buyers (primary), next home buyers, refinancers, investors, and commercial property and business owners, with tailored advisory on First Home Owner Grant eligibility and investment loan structuring in coordination with financial planners and accountants. Distribution combines a website with educational content and mortgage calculators, monthly email newsletters including Reserve Bank of Australia updates, referral-based marketing from existing clients, and a mobile broker model enabling client visits beyond the Sydney inner-west base, evidenced by transactions in both NSW and Victoria.

Revenue is generated primarily through lender commissions paid on loans settled through the brokerage, with the option to charge separate upfront client service fees under NCCP disclosure requirements. The firm is a member of the Mortgage & Finance Association of Australia and is affiliated with C. Christie & Associates Pty Ltd, a CPA tax accounting firm founded by Christie's parents, enabling cross-referral between tax advisory and mortgage broking services. There is no evidence of external investment, acquisition activity, or institutional ownership, indicating a founder-operated lifestyle practice rather than a venture-backed growth business.

Name

Cape Finance Group

Legal name

Cape Finance Group

Website

https://capefinancegroup.com.au

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Cape Finance Group is a privately held Australian mortgage and asset finance brokerage in Rozelle, NSW, providing residential, investment, commercial, and asset finance broking services to individuals and small businesses via the Connective Brokers lender panel, operated by a two-person team.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYBPAJANAE

Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing)

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Advisory & Consulting (Investment, Strategy)

SECONDARYBPAHAOAD

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit)

Business & Public Services/Professional Services (Legal, Accounting, Consulting)/M&A, Transaction & Restructuring Advisory

Keywords

• Mortgage broking services
• Home loan brokerage
• Asset finance broking
• Commercial property loans
• Loan refinancing services

Headquarters

HQ city

Rozelle

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Mortgage brokers receive commission from lenders when clients take out loans through their brokerage. This commission does not impact the client's interest rate. Some brokers also charge separate service fees to clients which must be disclosed upfront.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Cape Finance Group is a mortgage and asset finance broking firm that arranges home, investment, commercial property, and asset finance loans on behalf of consumers and small businesses. Through access to a Connective Brokers lender network, the firm sources, compares, and structures loan products including first home buyer loans, refinancing, bridging loans, honeymoon loans, and fixed/variable rate loans. They provide personalized advisory across the loan lifecycle, including pre-approvals, First Home Owner Grant assistance, and settlement support.

Product overview

Cape Finance Group is a mortgage broking and lending services company offering a comprehensive portfolio of loan products through access to multiple lenders. The core offering consists of residential mortgage products including First Home Buyer Loans, Investment Loans, Commercial Loans, Standard Variable & Fixed Rate Loans, Honeymoon Loans, Bridging Loans, and Asset Finance. The company also provides refinancing services and online mortgage calculators. As a Connective Broker, the company has access to a wide panel of lenders, enabling them to source competitive loan options tailored to individual customer needs. The products work together to serve first home buyers, next home buyers, refinancers, and investors seeking personalized mortgage solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• First Home Buyer Loans Mortgage financing assistance for first home buyers, including help determining eligibility and applying for the First Home Owner's Grant.
• Investment Property Loans Investment property loans structured to maximize returns, with access to competitive loan options and coordination with financial planners and accountants.
• Commercial Loans Commercial property and business lending with negotiable pricing based on borrower background and security offered.
• Standard Variable & Fixed Rate Loans Standard variable rate loans offering flexibility and features, and fixed rate loans set at a fixed rate for a specified period (usually one to five years).
• Honeymoon Loans Introductory loans with lower interest rates or lower repayments for the first six to twelve months, after which they convert to standard variable rate loans.
• Bridging Loans Short-term finance (typically 6 months) to cover the gap when buying one property before an existing property is sold, secured against both properties.
• Asset Finance Finance options for private cars, recreational vehicles, commercial vehicles, plant and equipment, and other business purposes including personal loans, car loans, leases, and chattel mortgages.
• Loan Refinancing Services Loan refinancing services to help borrowers find better loan products suited to their current financial circumstances and needs.

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Connective Mercury PlatformcoreTechnology or IntegrationSoftware platform used for loan aggregation and management. Allows for off-site capabilities as it runs through the internet. Daily backups are conducted and stored away from office premises.
• MFAA (Mortgage & Finance Association of Australia)coreOthersProfessional industry association membership. Evan Christie is a member of the MFAA.
• C. Christie & Associates Pty Ltd (CPA Tax Accountants)minorStrategic or Co-development PartnerAffiliated accounting firm. The company's values and ethics were instilled by learning from parents who built a successful tax accounting business.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Lendi: Digital-first Australian mortgage brokerage offering comparison and origination across a lender panel. Comparable lender-agnostic model but competing via a digital UX rather than mobile broker service.
• Yellow Brick Road: Australian mortgage broking and wealth advisory group offering residential lending, investment loans, and financial planning. Comparable multi-product brokerage with cross-referral between lending and advisory.
• nMB (National Mortgage Brokers): Aggregator (National Mortgage Brokers) supporting independent brokers across Australia with residential and commercial lending access. Comparable as an independent broker model relying on aggregator infrastructure.
• HashChing: Australian online mortgage broker platform with residential and investment lending offerings. Comparable lender-agnostic brokerage competing for the same first-home-buyer segment.
• Loan Market Group: Aggregator-aligned Australian mortgage broking group with franchise and broker models, offering residential, commercial, and asset finance. Directly comparable as a multi-product broker on an aggregator platform.
• Aussie Home Loans: Australia's largest retail mortgage broker franchise network offering residential and investment lending via aggregator panels. Directly comparable business model to Cape Finance Group but operating at national scale with franchise brokers.
• Astute Financial Planning: Australian mortgage and finance broking franchise with residential, investment, and commercial offerings through aggregator access. Closely comparable product breadth and broker-led service model.
• Mortgage Choice: National mortgage broking franchise (part of MyState Limited) with residential, investment, and asset finance offerings through a lender panel. Comparable product mix and revenue model (commission-based) to Cape Finance Group.

Others

• AFG (Australian Finance Group): Australian mortgage aggregator providing panel access, technology, and white-label broker infrastructure to independent brokers. Comparable as the aggregator/infrastructure layer Cape Finance relies on via Connective.
• Connective (Connective Brokers): Australian mortgage aggregator whose platform Cape Finance explicitly uses for lender panel access and Mercury loan management software. Directly comparable as an upstream infrastructure/aggregator counterparty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cape-finance-group

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 Cape Finance Group