Jack Horner Financial Solutions Pty Ltd.

What Jack Horner Financial Solutions Pty Ltd. does

Jack Horner Financial Solutions Pty Ltd is an Australian mortgage broking and lending advisory practice headquartered in Norwest, Sydney, founded in 2004 and operating under Australian Credit Licence 389349. The firm sources residential home loans, investment property loans, commercial loans, bridging loans, and asset finance (vehicles, plant and equipment) for individual consumers and small business owners across the Sydney metropolitan area, with particular focus on first home buyers, refinancers, property investors, and self-employed borrowers with complex income structures. Its technology footprint is light but modern: it operates as a broker within the Connective Brokers aggregation network to access a broad lender panel, and integrates Frollo's Open Banking platform for digital bank statement retrieval during loan applications. The business is owner-operated, with founder Rob Horner and a small team of named brokers (Patrick, Terry, Carley, Vanessa) delivering a mobile, relationship-driven service model.

The firm generates revenue primarily through lender commissions — both upfront on settled loans and trailing on the ongoing loan book — with some broker service fees disclosed upfront to clients. Go-to-market is sales-led and community-led: a Knowledge Hub blog and monthly newsletter provide top-of-funnel content marketing covering property trends and government schemes, while a heavily referral-driven acquisition motion converts satisfied long-tenured clients (multiple testimonials cite 12-20+ year relationships) into a self-replenishing pipeline. Marketing channels and product surface area are diversified across residential, investment, commercial, and asset finance, but operational scale remains constrained at 1-10 employees and the geographic footprint is limited to a single Sydney-metro office with no disclosed expansion plans.

Name

Jack Horner Financial Solutions Pty Ltd.

Legal name

Jack Horner Financial Solutions Pty Ltd

Website

https://jackhorner.net.au

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

1–10 employees

Short description

Jack Horner Financial Solutions is an owner-operated Australian mortgage broking practice in Norwest, Sydney, sourcing home loans, investment, commercial, and asset finance for individual consumers and small businesses across the Sydney metro via the Connective Brokers network and Frollo Open Banking.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro industry

PRIMARYFSALAEAA

Prime (Agency/Conforming) Mortgage Servicing

Financial & Insurance/Mortgage & Housing Finance/Mortgage Servicing & Subservicing

Keywords

• Mortgage broking services
• Home loan advisory
• Asset finance solutions
• Loan refinancing brokerage
• Equipment finance broker

Headquarters

HQ city

Baulkham Hills

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

Revenue model

1. Lender Commission: Mortgage brokers receive commission from lenders for bringing new business. This includes both upfront commission and trail commission. The cost of the loan does not increase when using a broker as commissions are paid by the lender.
2. Broker Service Fees: Some brokers charge a fee for their services which must be disclosed upfront to clients before engagement. These fees vary and are separate from the loan costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Jack Horner Financial Solutions is an Australian mortgage broking practice that sources home loans, investment property loans, commercial loans, bridging loans, and asset/equipment finance from a panel of lenders via the Connective Brokers aggregation network. The firm provides mobile brokerage services across the Sydney metropolitan area, advising individual consumers and small business owners on loan selection, refinancing, and government schemes such as First Home Owner Grants.

Product overview

Jack Horner Financial Solutions operates as a comprehensive mortgage broking practice offering expert lending advisory services through Connective Brokers with access to multiple lenders. Their core service is mortgage broking and residential lending, supported by specialized modules for first home buyers, investment properties, and commercial financing. The company provides multiple loan products including standard variable and fixed rate options, bridging loans for property transitions, and asset finance for vehicles and equipment. Additional services include a Knowledge Hub with educational content and newsletters to keep clients informed about financial industry developments.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Broking and Lending Services

Quantifiable outcome

• Customers have saved more than expected in interest through refinancing
• +1 more outcomes

Named customers10 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

Integration1 record

Feature1 record

Partnerships

Four partnerships are on record, tiered core and supporting.

• Connective BrokerscoreChannel Partner/ Reseller/ DistributorJack Horner Financial Solutions operates as a Connective Broker, providing access to the Connective aggregation network. This connection gives them access to many lenders and finance products from different providers, enabling them to source suitable loans for clients across a wide range of options.
• FrollosupportingTechnology or IntegrationJack Horner Financial Solutions uses Frollo, Australia's leading Open Banking provider, for requesting bank statements. This provides a safe, secure and efficient process for clients to share their banking data during the loan application process, improving the customer experience.
• MFAA (Mortgage & Finance Association of Australia)supportingOthersJack Horner Financial Solutions is a member of the Mortgage & Finance Association of Australia (MFAA), indicating professional membership and adherence to industry standards. MFAA is the peak industry body for mortgage and finance brokers in Australia.
• Australian Financial Complaints Authority (AFCA)supportingOthersExternal dispute resolution body available to customers if complaints cannot be resolved directly with the company. Customers can escalate complaints to AFCA after 45 days if unresolved.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Others

• Frollo: Frollo is an Australian Open Banking technology provider whose consumer data sharing platform is integrated into Jack Horner's loan application flow. It is referenced as a technology partner and adjacently relevant rather than a competitive broker.

Direct peers

• Mortgage Choice: Mortgage Choice operates a national franchise network of mortgage brokers in Australia providing residential and investment lending advice under its own credit licence. Jack Horner competes for the same first-home-buyer, refi, and investor segments across Sydney with a similar personalized advisory model.
• Yellow Brick Road: Yellow Brick Road is an Australian wealth and mortgage advisory firm offering home loans, investment lending, and broader financial advice. It is directly comparable to Jack Horner's broker-plus-advice model and is referenced in Jack Horner's testimonial page.
• Loan Market Group: Loan Market is an Australian mortgage broking aggregator with a large broker network sourcing residential, investment, and commercial loans. Jack Horner competes for the same customers and operates in the same aggregator-broker model.
• Australian Finance Group (AFG): AFG is one of Australia's largest mortgage aggregators, similar in role to Jack Horner's upstream aggregator partner Connective. It competes for the same broker-base and end-customer lending flow across residential and asset finance.
• Mortgage Ezy: Mortgage Ezy is an Australian mortgage broker focused on residential and investment lending, including complex and self-employed scenarios. It is comparable to Jack Horner on broker-led advice for borrowers with non-standard financial profiles.
• Resolve Finance: Resolve Finance is an Australian mortgage broker arranging residential, investment, and asset finance through a broad lender panel. It targets the same SMB and consumer lending needs as Jack Horner across metropolitan Australia.
• Smartline Personal Mortgage Advisors: Smartline is a large Australian mortgage broking franchise focusing on personalized advisor-led lending across home, investment, and self-employed segments. It targets the same customer profiles and broker-led delivery model as Jack Horner.
• Aussie Home Loans: Aussie is one of Australia's largest mortgage broking brands, aggregating lender panel access for a national broker force. Jack Horner is comparable as a similarly licensed Australian credit representative sourcing home loans, refis, and asset finance through an aggregator panel.

Emerging players

• Lendi: Lendi is an Australian digital-first mortgage broker offering comparison-led home loan origination online. It overlaps with Jack Horner on residential and refinance brokerage but competes via a technology-led rather than mobile-advisor delivery model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/jack-horner-financial-solutions-pty-ltd

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Jack Horner Financial Solutions Pty Ltd.