Mortgage Mart home loans come from Mortgage Mart of Australia Pty Ltd, a Gold Coast mortgage manager that has operated for more than two decades. Since 2023, it has sat within non-bank lender WLTH as a wholly owned subsidiary. This page is a factual profile to help borrowers understand who Mortgage Mart is and where its home loans may fit. However, it is not an assessment or a recommendation.
Mortgage Mart at a Glance
| Item | Detail |
|---|---|
| Lender type | Mortgage manager (non-bank) |
| Owned by | WLTH Pty Ltd, a fintech non-bank lender, since 2023 |
| Founded or established | Operating for more than 20 years (see notes on the exact year) |
| Headquarters | Bundall, Gold Coast, Queensland |
| Regulated by | ASIC Australian Credit Licence 382606; not an APRA-regulated bank |
| Listed on the ASX | No |
| Home loans for | Residential borrowers and self-managed super funds, through brokers |
Ownership and History of Mortgage Mart
Mortgage Mart of Australia Pty Ltd operates from Bundall on the Gold Coast and describes itself as one of Australia’s leading mortgage managers, specialising in residential home lending through accredited brokers and introducers. It holds Australian Credit Licence 382606 and is also a member of the Australian Financial Complaints Authority.
In 2023, fintech non-bank lender WLTH acquired Mortgage Mart. The deal settled at the end of September 2023 and the announcement then followed in November, according to Broker Daily and Mortgage Professional Australia. Mortgage Mart became a wholly owned subsidiary of WLTH, while both brands continue to operate under their own names. At the time, the press described Mortgage Mart as a 22-year-old mortgage manager with a loan book of about $1.1 billion.
WLTH Pty Ltd also holds its own Australian Credit Licence. The combined group has said it wants to pair WLTH’s technology with Mortgage Mart’s broker relationships and lending expertise.
What a Mortgage Manager Does
A mortgage manager does not usually lend its own money. Instead, it designs and distributes home loan products, assesses applications and services the loan on behalf of wholesale funders, which are the actual credit providers. Industry publication Mortgage Professional Australia describes mortgage managers as acting for one or more wholesale funders and often handling credit processing and aftercare. Mortgage Mart’s ASIC licence authorises credit activities other than as the credit provider, which is consistent with this model.
Where Mortgage Mart Home Loans May Suit
- Borrowers looking beyond the major banks. As a mortgage manager, Mortgage Mart offers products from wholesale funders rather than a single bank’s range.
- Self-managed super funds. Mortgage Mart has an established SMSF lending offering. However, from 10 August 2026, new SMSF borrowing can only fund business real property; see our SMSF loans page.
- Broker clients. Mortgage Mart distributes through accredited brokers and has built its business on broker relationships.
Home Loan Types Mortgage Mart Offers
- Residential home loans for owner-occupiers and investors
- SMSF loans
Getting a Mortgage Mart Home Loan Through Ingram Financial
Of course, every lender has its own policies, processes and quirks, and they change often. Rather than working through them on your own, let Ingram Financial help you navigate the maze and compare Mortgage Mart with the other lenders on our panel.
Shannon Ingram, our principal broker, compares Mortgage Mart home loans with the rest of the panel based on your goals, income and deposit. We work with clients across the Sutherland Shire, as well as across Australia by phone and video. In the meantime, to see current Mortgage Mart products, use the lender filter in our comparison tool. Then contact us to talk through the options.
Mortgage Mart Home Loan FAQs
No. Mortgage Mart is a mortgage manager. It holds an ASIC-regulated Australian Credit Licence, but it does not operate as an APRA-regulated authorised deposit-taking institution.
WLTH Pty Ltd, a fintech non-bank lender, has wholly owned Mortgage Mart of Australia Pty Ltd since the acquisition settled in September 2023. However, Mortgage Mart continues to trade under its own name.
As a mortgage manager, Mortgage Mart arranges, assesses and manages loans, while wholesale funders provide the money. Your loan contract names the credit provider, so ask us or Mortgage Mart who funds the specific product you are considering.
Yes. Mortgage Mart distributes through accredited brokers and is also one of the lenders on the Ingram Financial panel.
Ingram Financial has no ownership ties to Mortgage Mart. Mortgage Mart is simply one of the lenders on our panel. We checked the lender information on this page in September 2026. However, it may change, and the lender sets product availability, policies and eligibility criteria.
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Lending criteria, fees and charges apply. Consider whether it is appropriate for you and speak to us for advice specific to your situation.