AWARD-WINNING AUSTRALIAN MORTGAGE BROKER
The wrong loan can quietly cost you years. The right structure builds leverage. Penny designs your finance around where you’re heading, not just what you’re buying, then handles the rate, lenders, and paperwork end to end.
The finance industry is changing.
Brokers are leaving corporate-style models because they want freedom, flexibility, and a business that reflects their values. Many are tired of paying high fees for limited support. Others feel isolated and weighed down by compliance and administration.
But going it alone means starting from zero. No brand. No systems. No mentor. No community. Years of trial and error before the phone really starts ringing.
The Penny Franchise Model was built to bridge that gap. You get the power of an established, trusted brand with real mentorship, premium infrastructure, and a community that backs you.
You don’t build a brand from scratch. You join one with serious equity already in the market.
The Penny Franchise Model was created by someone who started outside the industry and built a $500 million business in settled loans in five years.
It wasn’t designed in a boardroom. It was built through real experience, real challenges, and real results.
We understand the late nights, the steep learning curve, and the desire for balance and freedom.
Penny didn’t exist five years ago. Today it’s one of Australia’s most recognised boutique finance brands.
This is the brand you’d be writing loans under. Not a corporate badge. Not a generic franchise. A brand with genuine voice and genuine equity.
Franchise Cap
A boutique franchise model built for high-performance brokers who want support, income, and long-term business value.
Penny is one of the most recognised boutique finance brands in Australia. $500M+ in settled loans in five years. A loyal client base, a strong social presence, and a reputation that opens doors before you’ve made the call.
Built and led by an award-winning finance broker. You get real-world frameworks, deal strategy, and mentorship from someone who has actually done it – not a corporate that has only taught it.
We focus on your income, long-term wealth, and exit value – not just settlements. This is a business you can scale, sell, or pass on.
Collaboration over competition. A culture focused on growth, accountability, and lifting each other up.
Designed to help you ramp faster and build stronger pipelines that outperform benchmarks.
The Penny Franchise Model is designed for qualified brokers who bring drive, professionalism, and ambition – and who are ready to build under an established brand rather than start from scratch.
Experience in finance, banking, credit or brokerage, or transferable business skills and client experience
The drive to build a serious business, not just a job
A commercial mindset and ambition to create long-term wealth through broking
The discipline to follow proven systems and the humility to be mentored
Coast along writing the occasional loan
Operate under your own brand with full creative control
Avoid structure, accountability, or feedback
Most aggregators give you a login and wish you luck. Penny gives you a brand, a playbook, proven systems, and the right level of partnership to scale with confidence.
Business mentoring covering strategy, social presence, pipeline, and growth
Penny’s full suite of marketing and transaction communication templates.
Collaboration over competition. A culture focused on growth, accountability, and lifting each other up.
Collaboration over competition. A culture focused on growth, accountability, and lifting each other up.
James came from Aussie on a 40% upfront model with no trail. After joining Penny, he is now in year 2 and earns three times his previous income. His goal was to write two deals a week – he’s now fending off two a day. He has a 10-year retirement plan and a business that supports his lifestyle.
Danielle came from a money coaching business. After a few short months, she was settling deals and working with clients who had not only residential needs, but commercial and SMSF requirements as well. She’s growing her business fast and enjoying more time with her family.
Franchisees operate under SFG’s credit licence through Penny’s head agreement.
This sub-aggregation structure exists because SFG doesn’t accredit single brokers, yet they are one of Australia’s most respected aggregators.
This is the brand you’d be writing loans under. Not a corporate
badge. Not a generic franchise. A brand with genuine voice and
genuine equity.
Penny Finance provides the structure for you to build a scalable asset without being chained to a desk.
Secures your territory, brand licence, and onboarding into the Penny network
Includes full SFG Connect setup, AI tools, email automations, templates, workflows, and structured onboarding (value $20,000+)
Covers aggregation, ongoing mentoring, compliance, technology, brand, and growth support
Clear, transparent, no surprises
60% reduction on the initial franchise fee for the first 5 approved partners. A foundational opportunity to join the Penny network at a significant discount and help shape the future of the brand.
Real people, real expertise. Get to know the team that will guide
you from pre-approval to settlement and beyond.
