1. join us.
we’ll put your
business in a
better place.
Aussie’s Retail Franchise Overview

2. Aussie’s unique point
of difference
welcome to Aussie
now’s the time to Thank you for your interest in an Aussie retail franchise opportunity.
consider an Aussie
retail franchise Investing in any business is a significant decision, and this booklet is designed to give you a
clear idea of what’s involved in becoming an Aussie retail franchisee – and how Aussie can give
give your business your venture a valuable head start.
a leading brand
Our people are critical to our success, and we want you to be sure that Aussie is right for you –
just as we’re keen to know that you’re right for us.
the benefits of an
Aussie retail franchise Over almost 20 years, Aussie has worked hard to become one of Australia’s leading financial
service providers. As a retail franchisee, we will give you every opportunity to build a successful,
more than just rewarding business that can grow into a valuable and saleable asset. But it takes hard work and
home loans dedication.
If you have the drive and determination to make your business grow, and you’re not afraid of
Aussie provides rolling your sleeves up and investing time and effort into your Aussie retail franchise, you’re just
generous support
the person we’re looking for.
I invite you to read through this booklet to discover more about the benefits of becoming an
we’ll teach you
everything Aussie retail franchisee. If at any stage you have queries, please don’t hesitate to contact a
member of our Retail Franchise Recruitment Team.
we promote your
business
next steps
John Symond
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3. Aussie’s unique point
Aussie’s unique point of difference
of difference
now’s the time to
More than mortgage broking, an Aussie retail franchise
consider an Aussie
retail franchise lets you grow a true financial services business.
give your business
a leading brand An Aussie retail franchise is an exceptional investment. We offer a unique point of difference that gives you a better
opportunity to build a successful business and a valuable, saleable asset.
the benefits of an When you partner with Aussie, you enjoy rewards far beyond a traditional broker with just a single loan book. An Aussie
Aussie retail franchise
retail franchise lets you grow a true financial services business, enjoying important advantages over our competitors:
An Aussie retail franchise lets you sell a wide variety of financial products in addition to providing a broker service.
more than just
home loans This creates multiple revenue streams for your business.
• Aussie pays a high rate of commission compared to other branded brokers
Aussie provides • Our marketing generates significant enquiries – leads that we pass directly to you
generous support
• Our retail franchisees receive a high level of business coaching and field support
• Aussie’s expanding range of non-mortgage products creates multiple revenue streams
we’ll teach you
everything
Aussie retail franchisees have the opportunity to purchase an existing loan book when they are approved to purchase
an exclusive new territory.
we promote your
business
*Subject to approval
next steps
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4. Aussie’s unique point now’s the time to consider
an Aussie retail franchise
of difference
now’s the time to
consider an Aussie
retail franchise
An Aussie retail franchise gives you an exciting opportunity
give your business
a leading brand
to share the success of one of the nation’s leading financial
service providers.
the benefits of an
Aussie retail franchise
We put our retail franchisees in a better place
more than just
Aussie invests significant funds in our franchise system. We provide extensive marketing support, proven IT systems and
home loans
deliver quality ongoing training to develop the skills of retail franchisees and their teams.
Aussie provides
We back this up with our extensive suite of Aussie products and services that give Australian consumers the benefit of
generous support quality, choice and value, while providing your business with multiple sources of revenue.
Our customer focus is unwavering
we’ll teach you
everything Our vision is to become a friendly alternative to the big banks. We achieve this through our customer focus. A genuine
desire to help our customers sets Aussie apart from other financial service providers.
we promote your It is important for our retail franchisees to share this goal. So while having some previous experience in mortgage broking
business
may be helpful to you as an Aussie retail franchisee, it isn’t essential.
next steps
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5. Aussie’s unique point
of difference
now’s the time to
consider an Aussie
“ the right formula to succeed
”
George Bergstrum – Sunnybank, Qld. Aussie Franchisee since 2005
retail franchise Owning your own business is every Australian’s dream. With Aussie I have one of the
nations most recognised and trusted brands behind me – so I know I’ve got the right
give your business
a leading brand formula to succeed.
Before investing in an Aussie franchise, I worked as an Aussie Broker, later moving to
the benefits of an become an Aussie Mobile Sales Manager.
Aussie retail franchise
I was so impressed with the brand and the support Aussie gives it franchisees, I decided
more than just to open my own franchise. In fact, I’m Aussies first Franchisee!
home loans
With the help of my team, and the backing of Aussie’s tools and products, I know I can
Aussie provides deliver the best customer proposition possible.”
generous support
we’ll teach you
everything
Exciting times. An exciting opportunity.
The financial services industry is experiencing significant change. Australians are embracing choice, looking for
we promote your
business a friendlier, more personal service and actively seeking a better deal outside the major banks.
An Aussie retail franchise gives you an exciting opportunity to be part of this change and share the success of Aussie -
one of the nation’s leading financial service providers.
next steps
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6. Aussie’s unique point
give your business a leading brand
of difference
now’s the time to Aussie currently has a loan book worth in excess of $40 billion.
consider an Aussie
retail franchise We enjoy the loyalty of over 250,000 valued customers.
give your business
a leading brand Your small business can be ‘big’ business with the backing of Aussie
- one of Australia’s leading brands.
the benefits of an Since its establishment in 1992, Aussie has grown to become one of Australia’s most respected and recognised brands.
Aussie retail franchise
We are unashamedly proud that Aussie is one of the nation’s most consistently awarded broker groups. Our quality Aussie
products have received multiple industry and consumer awards.
more than just
home loans But accolades are meaningless if our customers don’t benefit. That’s why we aim to put our customers in a better place.
Our growth confirms we’ve been successfully doing just that for almost two decades.
Aussie provides
generous support A quarter of a million Aussie customers
Aussie currently has a loan book worth in excess of $40 billion. We enjoy the loyalty of over 250,000 valued customers,
we’ll teach you who are serviced 24 hours a day, 7 days a week by Aussie’s 850-strong force of experienced brokers.
everything
Along with Aussie’s own suite of value-packed home loans, Aussie accredited mortgage brokers can offer a selection
of mortgages from a menu of 16 different brands including all four major banks.
we promote your
business It’s a wealth of choice, and using Aussie’s own software, Aussie mortgage brokers can deliver an objective comparison
of multiple loans, to pinpoint the loan that best suits the needs of each individual Aussie customer.
next steps
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7. Aussie’s unique point
of difference
now’s the time to
consider an Aussie
“ blown away by the value of the brand
”
Kerrie Slinger – Kippa-Ring, QLD. Aussie Franchisee since 2009
retail franchise “I joined the Wizard Home Loans franchise in 2000 but have been with Aussie since
March 2009.
give your business
a leading brand
I believe there are significant benefits of being an Aussie franchisee – in particular I’m
able to offer my customers true choice. The Aussie proposition is just so supportive of
the benefits of an
Aussie retail franchise this philosophy.
I have also been blown away by the value of the brand. Before joining the Aussie team,
more than just
home loans I had thought the Aussie and Wizard brands were very similar, but since rebranding
my site, I have had customers walk in who didn’t even know we existed when I was
Aussie provides part of Wizard, and it’s all because of the power of the Aussie brand.”
generous support
we’ll teach you
everything We’re expanding. Grow with us.
Aussie is building on the success of the company’s powerful brand through an expansion of our retail franchise program
we promote your
Harness the Aussie brand
business
An Aussie retail franchise can give your business the benefits of big business from day one. With the Aussie brand behind
you, your community members know what your business does, how it can help them and they have the reassurance that
next steps
you will ‘go the extra mile’ to put your customers in a better place.
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8. Aussie’s unique point the benefits of an Aussie retail franchise
of difference
now’s the time to
consider an Aussie
Our retail franchisees’ hard work and dedication not only builds
retail franchise
success for today, it fuels the value of their business. Branded
give your business mortgage broking businesses have sold for in excess of $2 million.
a leading brand
the benefits of an An established brand, an exclusive territory and the shared knowledge of almost 20 years in the market.
Aussie retail franchise
It’s all yours when you invest in an Aussie retail franchise.
When you become an Aussie retail franchisee you give your business the head-start of a leading brand.
more than just
home loans The value of this brand should not be underestimated.
Without the backing of the Aussie brand, it can take years and considerable cost to establish an independent business.
Aussie provides
generous support The Aussie brand opens doors for our retail franchisees, providing instant recognition and trust among consumers.
Our reputation for giving the big banks a run for their money has struck a chord with the Australian public, who see
Aussie as a friendly, accessible alternative to the major banks.
we’ll teach you
everything Not surprisingly, our brand produces quality leads that just keep coming. Each year Aussie receives many thousands
of inquiries – leads that we pass on to our franchisees.
we promote your
business An exclusive territory
Aussie will work with you to determine a territory that offers outstanding prospects for your business. This territory
will be exclusively yours. You also have the option to purchase a loan book of existing Aussie customers along with
next steps
trailing income.
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9. Aussie’s unique point
of difference
now’s the time to
consider an Aussie
“ The opportunity to build a saleable asset
”
Our retail franchisees join Aussie for a variety of reasons, and they are all pleasantly surprised to discover
that over time, their hard work and dedication not only builds success for today, it fuels the value of their
retail franchise
business – creating a saleable asset for tomorrow.
give your business
a leading brand In partnership with you, we’ll explore opportunities to achieve mutual goals and help you run a more
sustainable, profitable business.
the benefits of an
Aussie retail franchise
A powerful vision. Proven values.
more than just
home loans At Aussie we aim to be the number one choice for Australians seeking a better deal for their financial needs.
Our customers always enjoy top priority. We say what we mean - we deliver results, and in everything we do
Aussie provides we make our customers feel ‘Safe, Smart and Special’.
generous support
We strive to deliver exceptional service with an unwavering commitment to meet the needs of more people, more
of the time.
we’ll teach you
everything Aussie represents ‘choice’. By harnessing the power of technology and the talent of our people, we challenge the
norm and seek a better solution, delivering opportunities where others may see problems.
we promote your
Together, we will make a difference to the lives of our customers and the Australian community.
business
next steps
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10. Aussie’s unique point
more than just home loans
of difference
now’s the time to Aussie forged its reputation by providing high quality, competitively
consider an Aussie
retail franchise priced home loans. But our product range has expanded enormously,
give your business
giving retail franchisees multiple income streams
a leading brand
the benefits of an Aussie Mortgage Broking
Aussie retail franchise
There are hundreds of different loans available for Australian consumers, all with different rates, fees and features. Using
Aussie’s exclusive loan comparison software, our retail franchisees can search through the maze of loans from our panel
more than just of leading Australian lenders. It lets us find the loan that’s right for our customers in just a matter of minutes. Even better,
home loans
our software is constantly updated with the latest products from our panel of lenders including the big four banks, so you
know you’re recommending the latest products.
Aussie provides
generous support Aussie customers also enjoy the advantage of our electronic lodgement service to speed up loan applications, reduce
paperwork, provide immediate status reports and prioritise our customers’ loan assessment.
we’ll teach you Aussie home loans
everything
At Aussie, our vision is to make home ownership easier and more affordable for more Australians. That’s why we also offer
as an alternative Aussie’s own suite of home loans providing competitive rates, flexible features and no hidden fees.
we promote your
business There is an Aussie home loan to suit first home buyers, upgraders and investors - all offering good value, flexibility and
useful features.
next steps
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11. Aussie’s unique point Insurance
of difference
Aussie has partnered with a number of leading insurance providers to offer our customers a better deal on insurance
now’s the time to products. Our current insurance product list includes:
consider an Aussie
• Loan insurance • Car insurance
retail franchise
• Home and contents insurance • Life cover
give your business • Landlord’s insurance
a leading brand
Credit cards
the benefits of an Aussie gives our customers a better deal on credit cards too. The Aussie MasterCard® offers one of the lowest interest
Aussie retail franchise
rates on purchases around. We’ve done away with unnecessary extras like expensive rewards to focus on truly useful
features including:
more than just
home loans • Competitive low interest rates • Up to 55 days interest free credit on purchases
• Low annual account fee • Competitive balance transfer rate
Aussie provides
Personal loans
generous support
An Aussie Personal Loan is a simple and effective way for our customers to manage their finances. It can help our
we’ll teach you
customers achieve their goals without having a debt hang around forever.
everything
Aussie also offers personal loans for new or used cars purchased from a dealer, at auction, or from a private seller and we
don’t just do loans for cars; we also offer loans for boats, motorcycles and caravans.
we promote your
business
next steps
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12. Aussie’s unique point
of difference
now’s the time to
consider an Aussie
“ 50% more leads
”
Dick Grant – Darwin and Robina, NT and Qld. Franchisee since 2009
retail franchise “I have been involved in the mortgage industry for ten years, first with Wizard Home
Loans and now with Aussie.
give your business
a leading brand I’m extremely impressed with the power of the Aussie brand. I receive 50% more
leads through Aussie than I did with Wizard, and my settlements have increased
the benefits of an accordingly.
Aussie retail franchise
In fact I’ve been so impressed that I have reinvested and purchased another Aussie
more than just store. In an ever-changing industry, I’m comfortable that I have chosen the right brand
home loans to build my business for years to come.”
Aussie provides
generous support
we’ll teach you
everything
we promote your
business
next steps
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13. Aussie’s unique point Aussie provides generous support
of difference
now’s the time to
consider an Aussie
Each Aussie Sales Manager works with an average of just
retail franchise
18 stores. It means you’ll receive plenty of individual attention
give your business and assistance across a variety of areas.
a leading brand
the benefits of an As an Aussie retail franchisee you’ll enjoy an exceptional level of support to help your business grow and prosper.
Aussie retail franchise
Aussie has been in business for almost two decades. Over that time we’ve learned a lot about what works - and what
doesn’t - in the financial services industry. We share this knowledge with our retail franchisees to help them build a
more than just profitable asset.
home loans
The exchange of ideas and knowledge is part of the Aussie culture, and as a retail franchisee, you’ll see it happen across
all levels of the company.
Aussie provides
generous support
The support of experienced Sales Managers
Each Aussie Sales Manager works with an average of just 18 stores. It means you’ll receive plenty of individual attention
we’ll teach you
everything and assistance across a variety of areas from business planning, sales process and guidance through to local area
marketing and even recruitment.
we promote your The skill of our Head Office team
business
At Aussie we don’t believe in ivory towers. Our Head Office team is always available for consultation. Feel free to talk to
us at any time for IT support, sales assistance and information from our innovative product team. Or pick up the phone
next steps and run your ideas past our professional marketing people.
You’ll discover that our Head Office team is staffed by some of the best in the business. And their skills are there for you.
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14. “ I jumped at the opportunity to open
”
Aussie’s unique point
of difference
my own Aussie Franchise
now’s the time to
consider an Aussie
retail franchise Tik Kamtam – Baulkham Hills, NSW. Franchisee since 2006
give your business
“As an already successful Aussie Broker, I jumped at the opportunity to open my
a leading brand own Aussie Franchise.
I know that Aussie is a trusted brand with an outstanding management team that
the benefits of an
supports its brokers, and Aussie’s Mortgage Explorer software system is one of the
Aussie retail franchise
most sophisticated in the market.
more than just I work extensively within my own community so I need to ensure that I am giving my
home loans
customers the best service and products available in the market.
Aussie gives me the confidence to align my personal credibility with my professional
Aussie provides
generous support credibility. That makes me proud to be a part of the tremendous future that lies ahead
for Aussie.”
we’ll teach you
everything
The reassurance of a dedicated compliance team
we promote your
business Our compliance team is available to assist with a range of important functions from lender accreditation through to
keeping you and your staff up to speed on recent legislative changes.
It’s reassuring to know that the efforts of our compliance team contribute to Aussie’s professionalism, helping to improve
next steps
the standards of the industry and protect the reputation of your business.
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15. Aussie’s unique point we’ll teach you everything
of difference
now’s the time to
consider an Aussie
Our Induction Training is intense. It has to be because we will
retail franchise
teach you everything we have learned over the past 19 years.
give your business
a leading brand
No matter whether you have a mortgage broking background or you’ve never worked in financial services
the benefits of an before, we’ll teach you everything you need to know to run a successful Aussie retail franchise.
Aussie retail franchise We’re proud of our new Induction Training program. Be warned, it’s very intense. It has to be because we will teach you
everything we have learned over the past 19 years. It’s also one of the best Induction programs in the industry.
more than just
Our Induction Training is held in each state office, so you’ll have the opportunity to meet with other new retail franchisees
home loans
and current retail franchisees – it’s another great way to share ideas, meet like-minded colleagues and develop a network.
Aussie provides Learning never stops
generous support
Successful business people are always open to new ideas. That’s why our training support doesn’t end with your
Induction Training.
we’ll teach you
everything As an Aussie retail franchisee you’ll receive ongoing business coaching, sales training and product specific training.
It gives you all the tools and skills to enjoy success in a fast-paced industry.
we promote your
business
next steps
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16. Aussie’s unique point
of difference
now’s the time to
consider an Aussie
“ I truly believe I have a guaranteed formula
for success
”
retail franchise Sean Beavis – Newtown, NSW. Franchisee since 2009
give your business
“I enjoy running my own small business while operating under such a strong brand
a leading brand name. Having the support of a major player in the market place made an Aussie
franchise an even more attractive proposition.
the benefits of an
Since joining Aussie as a franchisee, my experience with the Aussie team has been
Aussie retail franchise
extremely positive and I am very excited about the future.
more than just With the strength of the Aussie brand, which has brought more customers through
home loans
my door, and the right team behind me, I truly believe I have a guaranteed formula
for success.”
Aussie provides
generous support
we’ll teach you
everything
we promote your
business
next steps
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17. Aussie’s unique point
we promote your business
of difference
now’s the time to Our annual $20 million marketing budget gets results, generating
consider an Aussie
retail franchise leads we pass on to our retail franchisees.
give your business
a leading brand
As an Aussie retail franchisee you will reap the rewards of our carefully crafted and focused marketing strategy.
the benefits of an Our national marketing campaign generates 80,000 leads each year. It’s a phenomenal figure, and leads relating to your
Aussie retail franchise exclusive referral territory will be directed to you. It gives your business a valuable advantage.
As a retail franchisee you can also leverage our national marketing activity for your local community marketing campaigns.
more than just
home loans Frequently asked questions
Can I choose my territory?
Aussie provides
generous support
The Aussie team work with successful retail franchise applicants to secure premium retail sites offering excellent exposure
Preferred locations have highly visible storefronts that are able to leverage strong brand awareness while being large
enough to accommodate a team of loan writers.
we’ll teach you
everything
Do I need to have a retail store?
Yes. Aussie will help you find the most suitable location in your territory – one that will provide a significant brand
we promote your
business
presence and help generate a satisfactory volume of walk-in enquiries.
next steps
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18. Aussie’s unique point Can I purchase a vacant territory and a loan book?
of difference
Of course. Aussie will provide an exclusive territory plus the option to purchase a loan book and customer client base
at very reasonable rates.
now’s the time to
consider an Aussie
franchise Do I need experience in the finance sector to buy an Aussie retail franchise?
No. Aussie provides fantastic training to help you succeed as a mortgage broker. Our experience indicates that previous
give your business mortgage industry experience, while helpful, is not essential to become a successful Aussie retail franchisee. The key
a leading brand
quality is a genuine desire to help your customers.
the benefits of How much initial capital do I need to get started?
an Aussie franchise Depending on the business model that suits you best, on average you will need between $120,000 and $200,000. Bear in
mind that some established Aussie retail franchises sell for in excess of $800,000, so with work and dedication, your initial
more than just outlay can be an outstanding investment.
home loans
Aussie provides
generous support
we’ll teach you
everything
we promote your
business
next steps
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19. Aussie’s unique point
next steps
of difference
The flowchart below outlines the steps involved in becoming an Aussie retail franchisee. Remember,
now’s the time to if you have queries at any time, don’t hesitate to contact Andrew Child, our Head of Retail Operations,
consider an Aussie for further information.
franchise
give your business stage 1 stage 4
a leading brand
Initial enquiries Formal approval
• Initial enquiry (phone) • You complete psyche testing
the benefits of • We explain the process and provide basic information • Credit checks etc
an Aussie franchise • You complete our Confidentiality Agreement • Meeting in Sydney with Aussie Executives
• We send you an application form • Formal approval decision
more than just
home loans
stage 2 stage 5
Getting to know each other Opening your own Aussie retail franchise
Aussie provides
generous support • You return Confidentiality Agreement and application form • Complete all retail Franchise Agreement documentation
• We meet in State office • Attend Induction training
• We provide more information including cash flow • Store fit out complete
we’ll teach you
requirements and business plan • Store opening
everything
• We provide retail Franchisee contact list
we promote your Who to speak to
business
stage 3 Andrew Child - Head of Retail Operations
Choosing your site
• You return documents
E andrew.child@aussie.com.au
next steps
• We meet State Manager P 07 3248 5052
• Provide more information and review documents M 0423 239 029
• Discuss site selection
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