Halo Finance Franchise Opportunity
Halo Finance is an Australian mortgage & finance franchise with 14 sites, offered to owner-operators across VIC, NSW.
How much does a Halo Finance franchise cost?
Source: Disclosure document v2.0 · verified July 2026. See full cost breakdown →
Fees vs the market
| Fee | Halo Finance | Category median | |
|---|---|---|---|
| Royalty (% gross sales) | 8.9% | 8.0% | above median |
| Marketing levy (% gross sales) | 1.7% | 2.0% | below median |
Medians from the Mortgage & Finance Fee Index. See methodology.
Network history
| Year | Opened | Closed | Transferred | Total units |
|---|---|---|---|---|
| 2022 | 3 | 0 | 4 | 7 |
| 2023 | 14 | 4 | 0 | 14 |
| 2024 | 8 | 4 | 1 | 14 |
| 2025 | 10 | 2 | 4 | 14 |
Where disclosure item-6 data is obtainable. verified July 2026.
Available territories
| State | Region | Status | As at |
|---|---|---|---|
| Dandenong | Victoria | recruiting | July 2026 |
| Wagga Wagga | New South Wales | sold | July 2026 |
| Penrith | New South Wales | recruiting | July 2026 |
Halo Finance by state: Victoria · New South Wales
Frequently asked questions
How much does a Halo Finance franchise cost?
A Halo Finance franchise requires a total investment of $47,000–$122,000 all-in, including a $33,000 initial fee, $7,000–$82,000 fit-out and around $7,000 working capital (Disclosure document v2.0, verified July 2026).
What are Halo Finance's ongoing fees?
Halo Finance charges a 8.9% royalty and a 1.7% marketing levy, benchmarked against the Mortgage & Finance category medians of 8% and 2% (Q2 2026 Fee Index, n=41).
Is Halo Finance on the Franchise Disclosure Register?
Yes — Halo Finance Pty Ltd has a current ACCC Franchise Disclosure Register entry, verified July 2026.