Mortgage & Finance franchises in Australia
24 Mortgage & Finance systems on file (15 with published fees). Q3 2026 Fee Index: a median all-in cost of $60,000–$124,000 (15 systems).
Savvy
From $2,000 all-in.
Mortgage Choice
639 units across Australia.
Elders Insurance
Up to $2,248,465 all-in.
Filter mortgage & finance franchises by state, or sort them by cost
LJ Hooker Home Loans
Best locations for a mortgage & finance franchise
Ranked by mortgage & finance opportunity score, population, income, growth and local competition. Highest-opportunity markets first.
Competitor counts are live OpenStreetMap data where available, else a trade-area model. See all location reports.
Buying a mortgage & finance franchise: what to know
How does a mortgage & finance franchise work?
Mortgage and finance franchises run a broking business under an aggregator or brand, earning upfront and trail commission from lenders for arranging loans. Most are home- or small-office-based with low overheads, and the trail book becomes a recurring, saleable asset over time.
How much does a mortgage & finance franchise cost?
Low entry: franchise/aggregator fees, licensing, software and marketing, no retail premises needed. The real investment is time to build a client base and a trail book, so budget living and working capital for the first year. The current Q3 2026 Fee Index median all-in is $60,000–$124,000 across the 15 mortgage & finance systems that publish a cost.
Are mortgage & finance franchises profitable?
No Australian register publishes verified mortgage-franchisee earnings. Income is small early (trail builds slowly) then compounds; it depends on settlement volume, clawbacks and retention. Speak to established franchisees about real trail-book size and have an accountant review it against the disclosure document.
What to check before you buy a mortgage & finance franchise
- Credit licensing / authorisation and aggregator arrangements.
- Commission split and trail ownership if you leave.
- Lead supply vs self-generated, and any lead cost.
- Clawback terms when borrowers refinance early.
General guidance, not financial advice. Confirm every figure with the franchisor and the disclosure document, and see how to buy a franchise.
Frequently asked questions
How much does a Mortgage & Finance franchise cost in Australia?
Across the Mortgage & Finance systems that publish their costs, the Q3 2026 Fee Index shows a median all-in cost of $60,000–$124,000 (15 systems). Always confirm the all-in figure, including working capital, in the disclosure document.
How many Mortgage & Finance franchises are there in Australia?
24 Mortgage & Finance franchise systems are on file at FranchiseScope, 15 of them with published fees. The largest by network is Mortgage Choice with 639 units.
Which Mortgage & Finance franchise has an open territory near me?
Systems currently recruiting show their open states in the list above. Use our location reports to see which areas have the least mortgage & finance competition before you enquire.
Are Mortgage & Finance franchises profitable in Australia?
There is no published, verified dataset of Australian mortgage & finance franchisee earnings, so treat any "average profit" claim with caution. Profitability depends on your costs, location, pricing and hours, plus the royalty and marketing levy. Ask the franchisor for the basis of any income figure, speak to current franchisees, and have an accountant review it against the disclosure document.