Zephyr Finance

What Zephyr Finance does

Zephyr Finance is a privately held Australian mortgage broking and lending advisory firm headquartered in Clyde, South-East Melbourne, operating under Australian Credit Licence 389328 as Credit Representative 539341. Founded in 2022 by Mohammad (Moh) Hoseini, a Farsi and Dari-speaking principal adviser, the firm operates through a small team of roughly two to five staff including a loan processor with more than seven years of banking and finance experience. It is an accredited member of the Finance Brokers Association of Australia (FBAA) and the Australian Financial Complaints Authority (AFCA), and operates within the Connective Brokers aggregator network, which provides access to a broad panel of lenders and loan products.

The firm offers a full suite of credit products spanning first home buyer loans, next home and investment loans, refinancing, commercial loans, standard variable and fixed rate loans, honeymoon (introductory rate) loans, bridging loans, and asset finance for vehicles and equipment. Its technology stack is limited to a website with online loan calculators and an online application intake form, supplemented by a monthly RBA-focused email newsletter and a social media presence on Facebook and Instagram. The core distribution model is direct-to-consumer and field-based, with mobile brokers travelling to meet clients at their location across South-East Melbourne, while a self-serve online application supports initial intake.

Zephyr Finance earns revenue primarily through lender commissions paid on settled loans, with optional disclosed service fees on a transaction basis. Customer segments are horizontal across first home buyers, next home buyers, refinancers, and investors, with no disclosed enterprise or anchor client accounts. The firm's competitive positioning rests on multilingual (Farsi/Dari) advisory capability, mobile convenience, breadth of lender access via Connective, and a 'client for life' relationship approach, rather than on proprietary technology, scale advantages, or AI-driven automation.

Name

Zephyr Finance

Legal name

Zephyr Finance

Website

https://zephyrfinance.com.au

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Mortgage Broking

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Commercial & Multifamily Correspondent Lending (FSALACAH)

Keywords

• Mortgage broking services
• Residential home loans
• Investment property loans
• Commercial property lending
• Asset finance solutions

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Mortgage brokers receive commission from lenders for bringing new business. Commission does not impact client's interest rate. Some brokers also charge a service fee which must be disclosed upfront.
2. Broker Service Fees: Some mortgage brokers charge a fee for their services which must be disclosed upfront before engagement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

Zephyr Finance provides mortgage broking and lending advice for individuals and businesses, sourcing home loans, investment loans, commercial loans, and asset finance from a panel of lenders via the Connective Brokers network. Services include guidance on loan suitability, First Home Owner's Grant applications, refinancing, and ongoing loan lifecycle support, delivered through mobile in-person consultations and an online application.

Product overview

Zephyr Finance operates as a mortgage broking service offering a unified platform of loan products and financial services. The core offerings include First Home Buyer Loans, Investment Loans, Commercial Loans, Standard Variable & Fixed Rate Loans, Honeymoon Loans, Bridging Loans, and Asset Finance. These products are delivered through Connective Brokers network, providing access to multiple lenders. The service is complemented by online mortgage calculators for preliminary borrowing estimates. The company serves first home buyers, next home buyers, refinancers, and investors.

Differentiator

Problem solved

Functional benefit

Products and services

• First Home Buyer Loans Mortgage financing for first-time homebuyers purchasing or securing a residential property, including adviser assistance with First Home Owner's Grant eligibility assessment and application.
• Investment Loans Structured investment property loans arranged in coordination with clients' financial planners and accountants to maximise investment returns through competitive loan options and appropriate structure.
• Commercial Loans Commercial property and business lending with negotiated pricing based on the business background and security offered, covering both purchase and refinance of commercial properties.
• Standard Variable & Fixed Rate Loans Residential home loans available in variable rate (flexibility and features) or fixed rate (repayment certainty for a specified period) structures, arranged through the lender panel.
• Honeymoon Loans Introductory residential loans offering lower interest rates or reduced repayments for the first six to twelve months before converting to the lender's standard variable rate.
• Bridging Loans Short-term finance (typically six months) bridging the gap between purchasing a new property and selling the existing one.
• Asset Finance Finance options for vehicles, recreational vehicles, commercial vehicles, plant and equipment, and other business assets, delivered through personal loans, car loans, leases, and chattel mortgages.

Quantifiable outcome

• Resolve complaints within 5 days acknowledgment, with investigation completion within 45 days

Named customers2 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

Three partnerships are on record, tiered core and minor.

• Connective BrokerscoreChannel Partner/ Reseller/ DistributorZephyr Finance operates as part of the Connective Brokers network, providing access to multiple lenders and a wide variety of loan products to offer clients diverse financing options.
• FBAA (Finance Brokers Association of Australia)minorOthersMoh Hoseini is an accredited member of the FBAA, demonstrating professional standing and adherence to industry standards.
• AFCA (Australian Financial Complaints Authority)minorOthersMoh Hoseini is an accredited member of AFCA, providing clients with access to independent dispute resolution if complaints cannot be resolved directly.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Lendi: Online-first Australian mortgage broker comparing loans across multiple lenders. Comparable in lender-agnostic broking and consumer-direct GTM, but differentiated by a digital-first technology stack versus Zephyr's high-touch mobile model.
• Mortgage Choice: One of Australia's largest mortgage broker franchises with a broad lender panel and similar first-home-buyer and refinancer focus. Directly comparable to Zephyr in product offering and target customer, though operating at much greater scale through franchisees.
• Smartline Personal Mortgage Advisors: Australian mortgage broker brand (part of Suncorp) offering residential and investment loans through accredited advisers. Comparable in adviser-led GTM and consumer-first-home-buyer focus, but with the backing of a major bank's distribution and panel.
• Aussie Home Loans: Major Australian mortgage broker (owned by CBA) offering home loans, investment loans, and commercial finance through a national broker network. Same core offering as Zephyr with similar commission-based revenue model and direct consumer GTM.
• Hunter Galloway: Australian mortgage and finance broking firm with comparable residential, investment, and commercial loan offerings. Directly comparable in target segments and personal-adviser-led service, though operating at a larger scale with broader geographic reach.
• Loan Market Group: Large Australian mortgage broker aggregator with a similar lender-panel-based model. Comparable in product breadth (residential, investment, commercial, asset) and consumer-facing brand positioning, with substantially greater scale and branch coverage.

Broad incumbents

• Westpac Banking Corporation: One of Australia's four major banks offering direct home loans, investment loans, and commercial finance. Comparable as a provider of the same loan products Zephyr brokers, and as a competing distribution channel that may be selected over a broker by some borrowers.

Others

• Connective (Aggregator): Zephyr's own aggregator, but operates as an upstream ecosystem enabler rather than a direct broker. Comparable as it sits in the same value chain — providing lender panel access, technology, and compliance infrastructure to member brokers like Zephyr.
• AFG (Australian Finance Group): Large Australian mortgage broker aggregator with a similar lender-panel model. Comparable as an aggregator providing infrastructure to brokers, and as a competitor for broker recruitment and lender panel terms.

Emerging players

• Tic:Toc: Digital-first Australian home loan provider offering direct-to-consumer mortgage origination. Comparable in targeting first home buyers and refinancers, but competes by removing the broker from the value chain — a structural threat to broker-based models like Zephyr.

Market position

Strengths2 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/themortgageloanbroker
• Instagraminstagram.com/zephyr_finance
• LinkedInlinkedin.com/company/zephyr-finance-au

Compliance4 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 Zephyr Finance