Finance For Tomorrow

What Finance For Tomorrow does

Finance For Tomorrow is an independent mortgage brokerage and finance advisory firm headquartered in Western Sydney, Australia, operating under Australian Credit Licence Number 389328 (ABN 86 672 086 323). The company serves individual consumers, small businesses, and SMSF investors requiring residential, investment, commercial/business, asset finance, and specialized lending (healthcare practitioners, guarantor, bridging, honeymoon products). It operates as a Connective Broker with access to a panel of 60+ lenders spanning major Australian banks (Commonwealth Bank, Westpac, NAB, ANZ, Macquarie, St George, ING, Suncorp, AMP), regional banks, mutuals, and specialist non-bank lenders (Judo, La Trobe, Pepper, Resimac, Prospa, Medfin).

The business is built around a four-step service process (contact, financial assessment, loan processing, settlement) delivered through a mobile broker model where brokers visit clients at their chosen location, supplemented by phone, email, online application forms, and a website with mortgage calculators and an email newsletter covering RBA decisions and property insights. The team consists of four key personnel: Director Mahesh Goyal (30+ years in accounting, taxation, and SMSF), Finance Broker Nikhil Goyal (Chartered Accountant from CA ANZ with University of Sydney commerce/IT degrees), and Mortgage Brokers Amit Gandhi and Devang Gandhi. The combined team brings over 40 years of finance industry experience, with the Chartered Accountant credentials cited as a point of differentiation over typical broker-only competitors. Industry association memberships with FBAA and MFAA are maintained.

Revenue is generated primarily through upfront and trailing lender commissions on settled loans (the standard Australian mortgage broking model), with optional upfront service fees disclosed to clients. The company has cumulatively funded $80M to 317 clients and reports that 96% of customers achieve better rates than through direct bank channels. Technology stack is limited to cloud-based server infrastructure with backups; there is no proprietary software, mobile app, or AI capability disclosed. The business claims nationwide coverage but its primary service area is concentrated in Western Sydney including Parramatta, Bella Vista, Five Dock, and Liverpool, with offices across Inner Sydney and North Western Sydney.

Name

Finance For Tomorrow

Legal name

Finance For Tomorrow

Website

https://financefortomorrow.com.au

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Finance For Tomorrow is an independent Australian mortgage brokerage in Western Sydney offering residential, commercial, investment, SMSF, and asset finance loans via a 60+ lender panel, serving individual consumers and small businesses through a mobile broker model.

Ownership category

akta.pro rank

Product category

Mortgage Broking Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

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

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK), Fee-Only Advisory (FSAEAAAL)

Keywords

• Mortgage broking services
• Residential home loans
• Commercial lending solutions
• Investment property loans
• SMSF borrowing arrangement

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Mortgage brokers receive commission payments from lenders for bringing new business. When a customer takes out a loan through the broker, the lender pays a commission which does not impact the customer's interest rate. Some brokers also charge upfront service fees which must be disclosed before engagement.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Finance For Tomorrow is an independent mortgage brokerage that sources, structures, and processes loan products on behalf of clients, accessing a panel of 60+ Australian lenders through the Connective Broker aggregation network. Services cover residential owner-occupied lending, investment property lending, commercial and business loans, SMSF (Limited Recourse Borrowing Arrangement) loans, asset and vehicle finance, and specialized products for healthcare practitioners and first-home buyers. The firm operates a mobile broker model with face-to-face, phone, and online application channels and is paid primarily via lender commissions.

Product overview

Finance For Tomorrow is an independent finance brokerage offering a comprehensive suite of mortgage broking services. The company operates as a unified service portfolio centered on mortgage broking and lending solutions, with core offerings including Residential Loans, Investment Loans, Commercial and Business Loans, SMSF Loans, and Car & Asset Finance. Additional specialized products include First Home Buyer Support, Healthcare Practitioner Loans, Guarantor Loans, Honeymoon/Introductory Loans, and Bridging Loans. The company also provides Mortgage Loan Calculators as a supporting tool. As a Connective Broker, they access over 60 lenders to source competitive loan products tailored to individual client needs across Australia.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Loans Owner-occupied home loans for borrowers purchasing a property to live in as their primary residence, sourced from the firm's 60+-lender panel and offering features such as variable/fixed/split options and repayment flexibility.
• Investment Loans Investment property loans structured in coordination with clients' financial planners and accountants to maximise asset and finance outcomes, including interest-only and offset features.
• Commercial and Business Loans Commercial property finance and business lending — including refinancing/purchase of commercial properties, term debt facilities, and overdrafts — with negotiated pricing based on business background and security offered.
• First Home Buyer Support Assistance for first home buyers including loan product selection, eligibility determination, and application for the First Home Owner's Grant.
• SMSF Loans (Limited Recourse Borrowing Arrangement) Self-managed super fund loans allowing leverage of SMSF funds to invest in residential or commercial property via a Limited Recourse Borrowing Arrangement, with title transferring to the SMSF upon loan payoff.
• Loans for Healthcare Practitioners Specialized financing for doctors and medical specialists, including practice owners and those in public/private practice, with 100% bonus and overtime income recognition and a Lenders Mortgage Insurance (LMI) fee waiver.
• Car and Asset Finance Finance for private cars, recreational vehicles, commercial vehicles, plant and equipment, and small business loans — covering personal loans, car loans, leases, commercial leasing, and chattel mortgages.
• Guarantor Loans Home loans with a family-member guarantee allowing borrowers to access up to 105% of the property purchase price, aimed at buyers struggling to save a full deposit.
• Honeymoon (Introductory) Loans Introductory loans with lower interest rates or repayments for the first 6–12 months, which then convert to standard variable-rate loans.
• Standard Variable and Fixed Rate Loans Standard variable-rate loans offering flexibility and richer features, paired with fixed-rate options typically set for 1–5 years to provide budget certainty.
• Bridging Loans Short-term finance (typically up to 6 months) covering the gap between buying a new property and the sale of an existing one, secured against both the existing equity and the new property.
• Mortgage Loan Calculators Online tools including a borrowing-power calculator providing estimates of loan amounts, the impact of different interest rates, and monthly payment calculations.

Quantifiable outcome

• 96% of customers get better rates through FFT than through banks
• +2 more outcomes

Named customers9 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration37 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Commonwealth BankcoreChannel Partner/ Reseller/ DistributorMajor bank partner providing residential and commercial lending products through FFT's broker services.
• WestpaccoreChannel Partner/ Reseller/ DistributorMajor bank partner providing residential and commercial lending products through FFT's broker services.
• NAB (National Australia Bank)coreChannel Partner/ Reseller/ DistributorMajor bank partner providing residential and commercial lending products through FFT's broker services.
• ANZcoreChannel Partner/ Reseller/ DistributorMajor bank partner providing residential and commercial lending products through FFT's broker services.
• MacquariecoreChannel Partner/ Reseller/ DistributorBanking and financial services partner providing lending products through FFT's broker services.
• St. George BankcoreChannel Partner/ Reseller/ DistributorMajor bank partner providing residential and commercial lending products through FFT's broker services.
• INGminorChannel Partner/ Reseller/ DistributorOnline banking partner providing lending products through FFT's broker services.
• SuncorpminorChannel Partner/ Reseller/ DistributorBanking and insurance partner providing lending products through FFT's broker services.
• AMPminorChannel Partner/ Reseller/ DistributorFinancial services partner providing lending products through FFT's broker services.
• Connective Broker NetworkcoreChannel Partner/ Reseller/ DistributorFFT is a Connective Broker with access to the Connective panel of 60+ lenders including major banks, second-tier lenders, and specialist lenders. Connective provides aggregation services and lender access.
• FBAA (Finance Brokers Association of Australia)minorChannel Partner/ Reseller/ DistributorIndustry association membership providing credibility and professional standards adherence.
• MFAA (Mortgage & Finance Association of Australia)minorChannel Partner/ Reseller/ DistributorIndustry association membership providing credibility and professional standards adherence.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Others

• Connective (Aggregator): Connective is FFT's own aggregator and a large Australia-wide mortgage broker aggregator providing panel access to 60+ lenders. It is the platform enabler behind FFT's lender breadth and is itself a key participant in the same value chain.
• Australian Finance Group (AFG): AFG is one of Australia's largest mortgage broking aggregators, ASX-listed, providing panel access and technology to thousands of brokers. It is a structural counterpart to Connective and competes for broker relationships across the country.

Direct peers

• Loan Market Group: Loan Market is one of Australia's largest mortgage broker aggregators with a national broker network offering residential, investment, and commercial lending. It competes directly with FFT for the same customer base via the same Connective/AFG-style aggregator model.
• Mortgage Choice: Mortgage Choice is a long-established Australian mortgage broker franchise network providing residential, investment, and asset finance across a panel of lenders. Its broker model, lender panel access, and SMSF/commercial capabilities are highly comparable to FFT's offering.
• Yellow Brick Road Wealth Management: Yellow Brick Road is an Australian mortgage and wealth advisory group providing home loans, investment lending, and financial planning. Its combined mortgage broking plus financial advisory offering mirrors FFT's chartered-accountant-led, advisory-led proposition.
• Smartline Personal Mortgage Advisors: Smartline is an Australian mortgage broker franchise network (now aligned with Mortgage Choice/Pepper Money group) offering residential, investment, and commercial lending via a panel of lenders. It is a direct comparable to FFT's broker model at a similar SMB scale.
• Aussie Home Loans: Aussie is Australia's largest retail mortgage broker brand, offering residential, investment, and commercial lending through a panel of lenders with a heavy retail-store footprint. It is the closest large-scale comparable to FFT's residential and investment mortgage broking model.

Emerging players

• HashChing: HashChing is an Australian online mortgage broker marketplace connecting borrowers with local brokers. It is comparable to FFT on the broker intermediation model but targets the digital-first customer segment.
• Athena Home Loans: Athena is an Australian digital mortgage lender and partial broker offering variable and fixed-rate home loans with a tech-led experience. It is an emerging competitor targeting customers FFT serves via brokers, and a threat/disruptor in the channel.
• Tic:Toc (now part of Bendigo Bank): Tic:Toc was an Australian online home loan lender offering instant conditional approval, now part of Bendigo Bank. It competes with brokers by removing intermediation friction and represents the digital-disruption vector in Australian mortgage distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Finance For Tomorrow