Lending

Run your business. We'll fund the loans.

Loanworks is a non-bank lender that gives Mortgage Managers a base loan product to build on.

You design it, price it and put your name on it. We handle the funding, settlement and wholesale support underneath.

Since 2004, we’ve backed Mortgage Managers across Australia and funded over $1.5bn in loans over the last 12 months quietly, from behind your brand.

Build your brand, own your customers, and scale your mortgage management business with premium, fully unbranded white label loan products. We bring the institutional grade warehouse funding that turns your business into a genuine virtual lender.

Built for Mortgage Managers who want to own their business

A Loanworks base loan product is the starting point, not the finished product. From there, it’s yours to price, position and put your name on.

  • Your brand, your product. Take our products and build it into something your clients know as yours, not ours.
  • You set the price. What your borrowers pay and what your business earns is your call.
  • One Relationship Manager, one number. No call centre and no layers. Speak directly to the person assessing your loans and get updates along the way.
  • Support that scales with you. A dedicated Relationship Manager who knows your business, backed by a lending team that actually picks up the phone.
  • No balance sheet required. Skip the capital outlay of funding loans yourself, we will handle the warehouse facility and settlement engine behind them.

Supporting Mortgage Managers across Australia, with loans sized to suit everything from a first purchase to a substantial portfolio.

This is what white label lending should feel like: your product, your pricing, your name on the loan.

How We Operate

We don’t compete with your brand. We fuel it.

We work exclusively behind the scenes as a wholesale partner. Unlike rigid major banks or over-automated digital lenders, we believe the best credit decisions are made by the people closest to the transaction. That is why we champion the true wholesale mortgage management model.

Residential Loan Types

Loanworks has operated as a non-bank lender since 2004, and in the lending industry for more than 30 years. We offer prime residential loan products for owner-occupied and investment purposes, all available as white label loans so you can present them as your own.

Commercial and Expat lending aren’t currently part of our active product suite. We’re evaluating bringing both back, so watch this space if either is core to your client base.

  • Purchase of an existing residential dwelling
  • Home or property improvement
  • Refinance
  • Debt consolidation
  • Equity release / cash out
  • Controlled equity release

Why Choose Loanworks?

Own the relationship. Your clients see you as their lender. That builds trust, drives repeat business and turns satisfied borrowers into referrers.

Minimise cost and delays. Skip the capital raise and the balance sheet risk. Get access to wholesale funding from day one and get to market faster.

Scale without the overhead. Growth shouldn’t mean headcount. Our platform is built to absorb volume, so your loan book can grow without your back office having to.

Stand out from the crowd. A genuinely branded, custom-priced offer sets you apart from brokers reselling someone else’s product on someone else’s terms.

Keep control where it belongs. As an ACL holder, your credit and compliance teams stay firmly in charge. Every loan gets a second, independent set of eyes from us before it’s funded — so you get an extra layer of certainty, not a loss of control.

A lending process we control end to end

Because we manage our lending process from start to finish, when we say we’ll do something, we can. That’s what makes fast approvals and short turnaround times possible.

We are not trying to be the biggest lender in the market. We are focused on being a dependable funding partner for businesses that value control, responsiveness and experience.

  • Loans that are simple, competitive and deliver exactly what they promise
  • Fast approval and short turnaround times
  • Real conversations with the people behind your loans

Loanworks-branded loans, for brokers too

Not every broker wants or needs a white-label lending model.

If you prefer to introduce customers under the Loanworks name, we offer Loanworks-branded residential loan products supported by our documentation, settlement process and customer loan portals.

If you are looking for a non-bank lender that is straightforward to deal with, responsive and experienced, Loanworks can support you.

We meet our own obligations, so you can meet yours

As a non-bank lender, Loanworks operates under the National Consumer Credit Protection Act (NCCP) and meets AML/CTF obligations and relevant AUSTRAC and ASIC requirements as a funder. Our operations also comply with the Australian Modern Slavery Act (2018) and the Australian Privacy Act (1988), supported by specialist legal counsel from a panel of law firms. When you package a loan through Loanworks, you’re funding it through a lender with its own compliance house in order, leaving you free to focus on your own responsible lending obligations as the ACL holder.

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Want to know how we’re different?

To learn more about a Loanworks lending solution, please contact our Relationship Manager, Dominic Beig.

+61 2 9278 9709

Email

Become a Loanworks introducer

If you hold an Australian Credit Licence (ACL), you can become an accredited Loanworks Introducer and start writing loans under your own brand.

Apply now