This 2026 comparison covers Aussie Home Loans, Mortgage Choice, MoneyQuest and Loan Market as four mortgage broker franchises. Each has a current Australian recruitment path for brokers who want to run a business under an established consumer brand.
Aussie has a retail-store model for brokers who want to lead a local team. Mortgage Choice has mobile, office and established-business options. MoneyQuest combines its consumer brand with central business support, while Loan Market uses a service plan with no lock-in contract. Compare the current fees, lender access, territory rules and exit terms before choosing one.
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What Are Mortgage Broker Franchises?
A mortgage broker franchise lets a broker operate a business under an established brand and operating model. The franchisor may provide systems, training, marketing and business support. The franchisee remains responsible for running the local business under the agreement.
The model differs from joining an aggregator without a consumer brand. A franchise can set rules for branding, territory, lead handling and technology. It may also charge establishment or ongoing fees that an independent brokerage would not pay.
In Australia’s housing market, franchise brokers help borrowers through the lender comparison and application process. The value of the model depends on the work the network performs for the franchisee, not the public name alone.
Understanding the Appeal of Mortgage Broker Franchises
A recognised brand can help a new business explain its service to local clients. A franchise may also shorten setup by supplying a tested broker platform, training and central marketing material.
The support is most useful when it removes work the broker would otherwise need to build or buy. Ask how leads are allocated, which administration tasks are handled centrally and whether the technology works with the franchisee’s intended team size.
The same structure can limit independence. Brand rules may affect local marketing, approved products, staffing and the use of client data. The agreement can also determine what happens to trail income or the client book when a franchisee leaves.
Four mortgage broker franchise options in Australia
The four businesses have different operating models. Check the current disclosure material and speak with existing franchisees before comparing their costs or making an application.
Aussie Home Loans
Aussie Home Loans has a franchise option for brokers who want to lead a local retail team under a national consumer brand. Its current franchise offer is based on an Aussie store, with local walk-in and referral business supplemented by company-generated appointments.
Aussie describes training, onboarding, marketing and administrative support as parts of the offer. It also promotes purpose-built broker technology and company-generated appointments. Ask how those appointments are allocated and what performance conditions apply before including them in a revenue forecast.
Costs depend on location and scale, according to Aussie’s franchise material. Review the acquisition cost, store fit-out, ongoing fees and staffing requirements together. Brand recognition can help initial customer service conversations, but the local franchise still needs a referral base and operating budget.
Mortgage Choice
Mortgage Choice lets an approved franchisee work from home, open an office or buy an established business. The network has a panel of more than 35 lenders and charges a $10,000 start-up franchise fee for a new franchise. Other setup costs still apply.
Training includes induction, coaching and mentoring. Mortgage Choice also provides marketing support and broker technology. Its ownership by REA Group gives franchisees access to the realestate.com.au audience, which may help with property-buyer enquiries.
This choice gives a prospective franchisee several operating formats to compare. Confirm the current commission terms, total setup cost and any rules that apply to a home-based or office franchise.
MoneyQuest
MoneyQuest franchises are available to Australian mortgage brokers. The support includes compliance help, social media marketing, online learning, team training and IT support.
The model may suit mortgage brokers who want a consumer-facing brand with central marketing support. Brokers considering MoneyQuest should ask how leads are generated, which tasks the central support team handles and what other software the franchisee must fund.
Review lender access and support alongside the franchise fees. A broad service description does not show the local conversion rate, the quality of supplied enquiries or the time needed to build referral partners.
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Loan Market
Loan Market recruits brokers under a service plan instead of a fixed-term franchise agreement. Its published terms let brokers leave with 14 days’ notice, pay no exit penalty and keep their trail. Check these terms in the agreement supplied to an applicant.
Loan Market provides marketing and business coaching. Specialist teams can help brokers add services to their business. The network also provides broker websites and local marketing material. Its partnership with Ray White can give brokers a route to build real estate referral relationships.
Loan Market suits brokers who want a national brand with more contractual flexibility than a fixed-term franchise. Ask how the service plan, lender panel and referral opportunities apply to the proposed business before relying on the public offer.
Investment Considerations for Prospective Franchisees
Start with total cash required, not the advertised entry fee. Include the franchise purchase, store or office setup, staff, software, insurance, professional advice and working capital while a new loan pipeline reaches settlement.
Read the current franchise agreement and disclosure document with an independent franchise lawyer. An accountant can test the franchisor’s figures against the proposed territory and the broker’s expected settlement volume. Ask current and former franchisees how lead supply, central support and exit arrangements worked in practice.
Trail income makes the exit clauses especially important. Confirm who owns client data, who receives future trail, whether a restraint applies and how the business is valued if the agreement ends. Put every ongoing fee and marketing contribution into the same cash-flow model.
Available Franchise Options and Their Market Standing
Aussie has a retail-store franchise under a national broking brand. Mortgage Choice has home-based, office and established-business options. MoneyQuest combines a consumer brand with central support, while Loan Market uses a service-plan model.
The main differences are where the broker works, how the agreement handles exit and which services the network provides. Compare the lender panel, lead sources and ownership of the client book in the documents supplied for the proposed business.
Market standing should be tested in the proposed postcode. Brand awareness, competing franchise locations and the source of local leads can produce a different result from national network figures.
Impact of Economic Changes on Mortgage Broker Franchises
Changes in interest rates affect borrowing capacity, enquiry types and the time needed to place a loan. A period with more refinancing work can favour a network with strong retention systems, while slower property turnover can weaken a store that depends on walk-in purchase enquiries.
A franchise does not remove this revenue risk. Fixed store costs and staffing continue when settlement volumes fall. Ask how the franchisor supported its network through earlier changes in credit policy or borrower demand.
Lender policy and regulation can also change the work required per file. Compare the network’s credit support, compliance process and communication speed with the fees charged for those services.
Technology and brand changes
The current models rely on central technology and marketing support. Aussie promotes broker technology for its store network. MoneyQuest lists IT help and online learning, while Mortgage Choice includes broker technology and access to REA Group’s property audience. Test the daily workflow before assigning a value to those services.
Tools using artificial intelligence can change how leads, documents or customer follow-up are handled. Ask what data enters the tool, who can access it and whether the franchisee can export client records if the agreement ends.
Provider terms can change during a franchise agreement. Read the clauses for technology access, brand changes and transfer or sale of the business. The agreement should state what happens to the client book and future trail if the relationship ends.
How to Choose the Right Mortgage Broker Franchise
Define the business you intend to run before meeting a franchisor. A shopfront with employees has different cash needs from a mobile owner-operator. Decide which clients, location and lending work will support the business.
Request current disclosure documents from each option. Compare territory, brand rules, lender access, supplied leads, technology, training, fees and exit terms. Check that every public promise appears in the documents that govern the relationship.
Speak with several current franchisees and at least one former franchisee where possible. Ask for concrete examples of central support, lead quality and unexpected costs. Check those accounts against the agreement rather than relying on a sales presentation.
Build a conservative cash-flow model and have the agreement reviewed independently. The right franchise is the one whose actual operating model fits the broker’s capital, market and preferred way of serving clients.
