How much does a Aussie Home Loans franchise cost?
Captured July 2026 · source: Published on franchisewisely.com.au.
Full cost breakdown
| Initial franchise fee | $45,000 |
| Fit-out & equipment | $120,000–$250,000 |
| Working capital | $60,000 |
| Total investment (all-in) | $250,000–$400,000 |
Establishment range includes working capital. Where a franchisor’s published range excludes it, we publish our computed all-in figure and note the difference.
Ongoing fees vs the category
| Fee | Aussie Home Loans | Category median (systems) | Position |
|---|---|---|---|
| All-in establishment cost | $250K–$400K | $60,000–$124,000 (15) | above median |
Medians from the Mortgage & Finance Fee Index: the figures franchisors publish and their ACCC Register establishment costs. A fee median is only shown when at least five systems publish that fee.
What that buys you
The $45,000 initial fee covers your licence to operate under the Aussie Home Loans system, initial training and brand onboarding. The bulk of the investment, $120,000–$250,000, is the physical site build. The term is 5 years, with a 5-year renewal option. Ongoing, you pay a 6.0% royalty and a 3.0% marketing levy on gross sales.
Estimate your cost
Indicative only, initial fee $45,000 + fit-out $199,800 + working capital $60,000. Confirm the exact figure in the disclosure document.
Cost questions
How much does an Aussie Home Loans franchise cost?
An Aussie Home Loans franchise costs $250,000–$400,000 all-in, including a $45,000 initial franchise fee, captured July 2026 (source: Published on franchisewisely.com.au). This is an estimate, confirm every figure against the franchisor's disclosure document before you commit.
What is the cheapest way into an Aussie Home Loans franchise?
The lowest entry point is the bottom of the establishment range, $250,000 all-in. A resale of an existing site can sometimes reduce fit-out cost versus a greenfield build, but pricing depends on the site, compare both before committing.
Is a Aussie Home Loans resale cheaper than a new site?
Not always. A resale removes some fit-out and ramp-up cost but adds goodwill in the sale price. New sites carry the full fit-out cost but start with no goodwill premium.
What hidden costs should I budget for?
Beyond the initial fee and fit-out, budget working capital for wages, stock and rent before the site is cash-flow positive. Any royalty and marketing levy are ongoing, not one-off, confirm the current rates with the franchisor.
Do I get a refund during cooling-off?
Under the Franchising Code, a new franchise agreement carries a 14-day cooling-off period that starts when you enter into it. If you exercise it, the franchisor must repay what you paid within 14 days, keeping only reasonable expenses the agreement sets out. This is a statutory right, not a franchisor concession.
Compare Aussie Home Loans with similar mortgage & finance franchises
| Franchise | Investment (all-in) | Royalty | |
|---|---|---|---|
| Yellow Brick Road | $132K–$550K | — | Cost |
| Mortgage Choice | $71K–$132K | — | Cost |
| Loan Market | $10K–$30K | — | Cost |
Compare Aussie Home Loans head-to-head
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