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A better
home loan
is here


Tailored loans

To fit your needs and objectives


Personalised rates

That reflect your unique circumstances


Rapid approvals

A verified approval in around 15 minutes

Intelligent Credit

A simple process that usually takes only 15 minutes

Design your tailored

Verify your financial

Get your verified
approval in minutes

Track your progress to settlement

Manage your loan


Unlike traditional banks and lenders, we don’t put our customers in tick-box categories. Whether you’re a seasoned investor or first home buyer, whether you have a different credit profile or an alternative employment type, we understand that everyone is different and so too is each tailored home loan solution.

Why choose
Australian Mortgage?

Intelligent Credit by Australian Mortgage is a fast, powerful and completely online way to purchase a home or refinance your existing mortgage.

This video explains how buying a home with Australian Mortgage works and answers some common questions.


Tailored residential home and investment loans for purchase, refinance and debt consolidation with no Lender’s Mortgage Insurance.


Personalised competitive interest rates based on your unique financial circumstances, needs and objectives.


Flexible loan options, offset and unlimited redraw with online and mobile account access including BPAY, Pay Anyone and Direct Credit.

Australian Mortgage distribution partners

Australian Mortgage recognises the important role of warm-blooded consultation in the home loan journey.

That’s why we’ve designed a digital home loan experience with all the tools and support our distribution partners need to deliver a customer experience that leads the market.

Partnership enquiries

Interested in becoming an Australian Mortgage Distributor? Get in touch.

Distributor Portal

Service your clients on the go with our high tech, smart touch platform.

Invest like a bank on the Securitisation Blockchain

We're not a bank.

Our funding comes from the savings of Australians through their superannuation funds and financial institutions, soon to be investing on the Carbon Securitisation Network.

We offer institutional investment opportunities in “smart” RMBS providing stable income secured against Australian residential property – built on distributed ledgers and supported by unprecedented transparency.


Get in touch with the Australian Mortgage Capital Markets team.



Carbon Securitisation Network provides unprecedented transparency secured by distributed ledger technology.


Common securities framework is codified as smart contracts that self-execute with greater visibility and control for investors.


Consensus services validate every transaction event - reducing role of and reliance on intermediaries.

Technology partners


Latest News

Mortgage approved on the spot. That’s Intelligent Credit.

Australian Mortgage is pleased to announce we have today processed our first mortgage application in partnership with Shore Financial, and as promised, it was all over in approximately 15 minutes. Dana Fraser, a senior credit adviser at Shore, is assisting the Parker family refinance their home in Forest Lake, Queensland. Using Intelligent Credit, Dana was…

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Australian Interest Rates and Mortgage Spreads, What’s Going to Happen?

Australian Mortgage is a neo lender which is about to launch a mortgage origination and funding platform that relies on providing mortgages at market rates and funding in the banking and securitisation markets at market rates. Whilst there is a correlation between market mortgage rates and margins that a neo lender may be able to…

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What is Risk-Based Pricing?

Risk based-pricing is considered by many to be the future of lending and is becoming more and more prevalent in this new wave of neo banks and neo lenders. Risk-based pricing in the credit market refers to the offering of different interest rates and loan terms to different consumers based on their creditworthiness. The rate…

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Fifteen Minute Approvals at Australian Mortgage

Mortgage approval in 15 minutes? Just downloading the paperwork and sending all the attachments takes a lot longer than that. Intelligent Credit by Australian Mortgage now makes it possible to get approval in 15 minutes. Getting there took more than eight years — including two years of development with 7 IT developers, and Australian Mortgage’s…

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Neo-lender successfully closes crowdfunding campaign

  A soon-to-be-launched blockchain mortgage lender has successfully closed its crowdfunding industry equity offer after having received $671,000 in share applications, largely from the broking industry. Australian Mortgage Marketplace (AMM), which is set to launch next year, initiated a crowdsourced funding equity offer to investors (including mortgage brokers), in October. Co-founded by industry stalwarts Graham Andersen (CEO)…

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Australian Mortgage Marketplace Successfully Closes Industry Equity Offer

Overview Australian Mortgage Marketplace Limited (“Australian Mortgage”) has today successfully closed its crowdfunding Industry Equity Offer through enable Funding. The Offer of ordinary shares was made primarily to the mortgage finance community of Australia, inviting ‘our crowd’ to participate as early-stage shareholders in Australian Mortgage. The crowdfunding campaign received $671,000 in share applications from 89…

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Neo lender finds a neo way

A new mortgage lender has commenced a series of events to over 1,200 registered attendees. Giving brokers a chance to become owners of the neo lender Australian Mortgage Marketplace. The neo lender, Australian Mortgage Marketplace has decided to take advantage of new legislation recently given the tick of approval by the Federal Parliament, after more…

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The Personal Touch

Here’s an interview of our COO Kym Dalton, where he makes some bold predictions on the role of the mortgage broker in the future. Kym Dalton, COO of Australian Mortgage Marketplace explains how the lender will shake up borrowing, funding and rates The year is 1992. Securitisation is the new financing mechanism on the block…

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Expect change in the market

Here’s an article from Australian Broker about how we’re driving change in Australia’s home loans market with intelligent credit funded on our mortgage securitisation blockchain. To find out more, register your interest to attend one of our launch events or webinars here. The Australian home loan market is “broken” and about to experience the biggest…

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How to achieve better consumer outcomes

There’s a common view that Australia is experiencing a ‘tightening of credit standards’ following scrutiny of lenders and brokers by ASIC, APRA and the Financial Services Royal Commission. This view has found expression in a renewed focus on ‘responsible lending conduct’- and the verification of applicant expenditures in particular. Firstly, it’s AMM’s view that there…

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