The Mortgage Tree Pty Ltd

What The Mortgage Tree Pty Ltd does

The Mortgage Tree Pty Ltd is a privately held Australian mortgage brokerage operating as a sole-trader-style practice from Narellan, New South Wales, founded by Jason Haworth in 2014. The firm provides residential, commercial, vehicle and machinery, property development, self-employed, and second mortgage / private lending brokerage services, intermediating between borrowers and a panel of more than 38 lenders accessed through the Connective Credit Services aggregator license (Australian Credit Licence 389328, Credit Representative 479257). Stated deal sizes range from $50,000 for small commercial loans up to $100M for business lending and $1M–$50M for property development finance.

The go-to-market is sales-led and relationship-driven rather than technology-driven: the broker runs a six-step process (initial call, fact-find, lender search, advice, settlement, ongoing 'broker for life' engagement) supported by a website, a portfolio of eight loan calculators, an educational blog, and a monthly newsletter. Discovery is initiated through a 10-minute no-obligation consultation, after which engagement is conducted via phone, email, and in-person meetings at the Narellan office.

Revenue is generated through lender-paid commissions — a one-time upfront commission at settlement plus a trailing commission over the life of the loan — rather than direct client fees. The customer base is distributed across individual SMB borrowers (home buyers, refinancers, property investors, self-employed borrowers, small businesses, and developers), with no disclosed enterprise accounts or contracted recurring volume. Headcount is one (the founder), and no revenue, funding, or headcount growth signals are present in the available data.

Name

The Mortgage Tree Pty Ltd

Legal name

The Mortgage Tree Pty. Ltd.

Website

https://themortgagetree.com.au

Company type

Private

Founded year

2014

Operating status

Operating

Short description

The Mortgage Tree Pty Ltd is an Australian mortgage brokerage in Narellan, NSW, founded by Jason Haworth in 2014, operating as a sole broker under the Connective aggregator license. It serves individual SMB borrowers across residential, commercial, self-employed, vehicle and machinery, property development, and second mortgage lending via a 38+ lender panel.

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industry

Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage broking services
• Residential home loans
• Commercial lending
• Property development finance
• Loan advisory

Headquarters

HQ city

Narellan

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission from Lenders: The Mortgage Tree earns commission payments from lenders when loans are settled. This is the standard mortgage broker revenue model in Australia where the broker receives a trailing commission from the lender for the duration of the loan.
2. Upfront Commission: One-time commission payment from lenders at loan settlement, typically calculated as a percentage of the loan amount.
3. Credit Licensee Services: Operates under Connective Credit Services Pty Ltd ABN 51 143 651 496 credit license. The licensee handles administration and supervision activities.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

The Mortgage Tree is a personal mortgage brokerage that matches individual borrowers, families, small businesses and commercial entities with appropriate lending solutions from a panel of 38+ lenders offering 200+ loan products. The broker handles the full loan journey from discovery call through loan arrangement and provides ongoing "broker for life" advisory support. Core product lines span residential home loans, business and commercial loans, vehicle and machinery finance, property development finance, self-employed loans, and second mortgages/private lending.

Product overview

The Mortgage Tree Pty Ltd operates as a mortgage brokerage offering a portfolio of lending products centered around its core mortgage broking services. The main offerings include Residential Home Loans (covering first home buyers, investment properties, and refinancing), Business & Commercial Loans, Vehicle & Machinery Finance, Property Development Loans, Self Employed Loans, and Second Mortgages & Private Loans. These products are supported by loan calculator tools and access to over 38 lenders with 200+ financial products. The company is led by founder Jason Haworth with over 31 years of commercial lending experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Home Loans Home loan brokerage service offering financing for first home buyers, home purchases, investment properties, refinancing, lines of credit, and low doc/non-conforming loans, sourced from a panel of 38+ lenders offering 200+ loan products.
• Business & Commercial Loans Commercial lending brokerage covering commercial property loans (office, industrial, retail, pubs, childcare, hotels), working capital and cash flow finance (overdrafts, lines of credit, invoice financing, trade finance), business loans and agri finance for farms and fishing operations, with lending sizes from $50,000 to $100M.
• Vehicle & Machinery Finance Equipment and vehicle financing brokerage including operating lease, chattel mortgage, hire purchase and novated lease facilities for business purposes.
• Property Development Loans Specialised development finance brokerage for property developers covering small to large residential and commercial unit developments from $1M to $50M, land subdivisions, land banks, presales and no-presales options with LVR from 50% to 75% of GRV.
• Self Employed Loans Home loan brokerage solutions tailored for self-employed individuals, including options for businesses less than a year old, debt consolidation at home loan rates, low deposit options, unsecured loans and alternatives to traditional banking.
• Second Mortgages & Private Loans Second mortgage and private lending brokerage solutions for borrowers needing quick access to funds, bridging finance, or funding where banks will not extend further credit — including debt consolidation, litigation funding and business investment purposes.

Quantifiable outcome

• 50% of borrowers get approved with a minor bank lender (demonstrates ability to find approval where major banks may decline)
• +1 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Connective Credit Services Pty LtdcoreChannel Partner/ Reseller/ DistributorCredit licensee providing aggregator services and access to lender panel. The Mortgage Tree operates under Australian Credit License Number 389328, with Credit Representative Number 479257 authorised under the Connective license.
• MFAA (Mortgage & Finance Association of Australia)coreOthersProfessional industry membership organisation for mortgage and finance brokers in Australia. Jason Haworth maintains active membership.
• AFCA (Australian Financial Complaints Authority)coreOthersExternal dispute resolution scheme. The Mortgage Tree is a member, providing clients with access to free dispute resolution for complaints about financial services.
• GNBCC (Greater Northern Black Business Chamber of Commerce)minorOthersLocal business chamber membership supporting connection with the business community in the Greater Northern Black region.

Scale indicators6 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Loan Market Group: Major Australian mortgage broker aggregator and franchise network. Operates similar panel lender access model and offers residential and commercial lending, but at scaled aggregator level with hundreds of brokers.
• Mortgage Choice: Long-established Australian mortgage broker franchise (now part of REA Group). Provides residential and commercial lending brokerage with similar commission-based revenue model; comparable in product offering though far larger in scale.
• Astute Financial Management: Australian mortgage and finance broker network offering residential, commercial and equipment finance. Comparable product breadth and panel lender access model, though organized as a multi-adviser firm.
• Connective Home Loans: Aggregator that licenses The Mortgage Tree; also operates a broker network of its own with residential and commercial lending offerings. Closely comparable business model but at aggregator scale with proprietary technology.
• Aussie Home Loans: Australia's largest retail mortgage broker franchise with hundreds of brokers. Directly comparable as both offer residential, commercial and specialty mortgage brokerage, though at massive scale and with proprietary technology.
• Yellow Brick Road (Evolve Home Loans): Australian mortgage broker and wealth advisory franchise offering residential lending and specialty finance products. Comparable as multi-product broker though with franchise branch network rather than sole operator model.
• Smartline Personal Mortgage Advisors: Australian mortgage broker franchise owned by NAB. Operates similar residential and commercial lending brokerage model with panel lender access, comparable product mix, though backed by major bank ownership.

Emerging players

• Hunter Galloway: Sydney-based mortgage broker with strong digital presence. Comparable residential lending focus and customer testimonials-driven marketing, though with multi-broker team and more developed online brand.
• Lendi: Australia's leading digital mortgage broker, owned by NAB. Competes for the same residential borrowers with technology-driven comparison and application experience, representing a structural alternative to traditional broker relationships.
• Uno Home Loans: Australian digital-first mortgage broker offering residential lending brokerage with proprietary technology and direct lender relationships. Competes for the same broker-channel residential borrowers through online experience.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/the-mortgage-tree-pty-ltd

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 The Mortgage Tree Pty Ltd