© Copyright 2025. ORDE Financial Pty Limited ACN 634 779 990 Australian Credit Licence 522079. ORDE Capital Management Limited ACN 636 165 378 Australian Financial Services Licence 523150 Australian Credit Licence 523150. All rights reserved.
Questions about who we are and what we do.
ORDE Financial is a leading Australian non-bank mortgage lender that takes applications exclusively through accredited mortgage brokers. We were built to support borrowers who need more than what traditional banks can offer, and offer a wide range of flexible mortgage loans, delivered by a highly experienced team.
ORDE Financial was created in 2019 by a team with decades of experience at some of Australia's largest lending institutions, and launched to market in late 2020.
Our headquarters are in Melbourne, with an office in Sydney and a national team supporting brokers and customers across Australia.
ORDE is pronounced as one syllable, rhyming with “board” or “chord”. Or like “awed,” reflecting the level of confidence and trust we aim to inspire through our exceptional products and service.
No. ORDE is a non-bank lender. We are funded through a mix of institutional investors and warehouse facilities provided by local and global banks. We don’t offer transaction accounts or credit cards, and we can provide flexible lending solutions to borrowers who are underserved by the traditional banks.
Yes. ORDE holds an Australian Credit Licence and operates under the National Consumer Credit Protection Act. We meet all regulatory requirements set by ASIC and APRA, maintain robust governance frameworks and undergo regular compliance reviews.
No. ORDE is an established non-bank lender with institutional-grade funding, credit governance, and operations.
ORDE is backed by a strong network of institutional investors, including global and domestic banks and investment firms. This support enables us to maintain stable, scalable funding and deliver competitive mortgage solutions to the market.
Yes. ORDE completed its first $1 billlion RMBS issuance in 2024, which was recognised as both the largest inaugural non-bank RMBS issuance in Australian history and the 2024 KangaNews Deal of the Year. Our second $1 billion RMBS transaction followed in 2025. We intend to be a regular RMBS issuer in the term market, building and extending our strong relationships with leading investors in Australia and internationally.
You can reach us by calling our general enquiry number 13 ORDE (13 67 33). For borrower or broker-specific contact details, please see our Contact Us page.
All about the loans we offer and who can apply.
ORDE offers a broad range of mortgage solutions designed to support borrowers who may not fit traditional lending criteria — whether you're purchasing, refinancing, or unlocking equity.
Our products include Residential, Commercial, SMSF, Construction, Bridging, and Vacant Land loans, all built with flexible features to suit diverse borrower needs.
ORDE was established to support borrowers who are underserved by the traditional banks. We regularly assist:
Owner-occupiers, including first home buyers
Property investors
Developers
Self-employed individuals
Borrowers looking to invest through their SMSF
Builder-owners looking to construct
Non-resident and expat borrowers
Borrowers with non-standard income
Borrowers with past credit events
Yes, we accept refinance applications through accredited brokers from both bank and non-bank lenders.
Absolutely. We can assess income from sources such as self-employment, contract and gig work, rental income, bonuses, and more.
ORDE doesn’t rely on comprehensive credit scoring to make lending decisions. Instead, our experienced team takes a human, commonsense approach to every application. We take the time to understand your past to support your future – even if your credit history isn’t perfect. Speak to an accredited broker to see if an ORDE loan is right for you.
Rates depend on loan type, LVR, borrower profile, and documentation.
If you are a broker, please see the ORDE Broker Product Guide for full rates and product specifications, or speak to your dedicated BDM.
If you are a borrower, please speak to your broker, who can give you a personalised indication based on your situation and needs.
We believe in transparent pricing with no hidden charges. Typical fees may include application and settlement fees, but ORDE does not charge ongoing monthly or account-keeping fees.
Specific fees will depend on the product selected and will be clearly outlined in any loan documentation.
If you are a broker, please see the ORDE Broker Product Guide for details, or speak to your dedicated BDM.
If you are a borrower, please speak to your broker, who can give you a personalised indication based on the specific loan product selected.
What you need to know about applying for a loan with ORDE Financial.
ORDE accepts loan applications directly from our national network of accredited mortgage brokers.
To apply for an ORDE loan product, please contact a licensed broker who can assess your needs, recommend suitable products, and manage your application process.
If you don't have a mortgage broker, get in touch with us and we’ll connect you with one in your area.
We believe brokers are best placed to understand borrowers' needs and navigate complex lending scenarios. By working exclusively with brokers, we ensure every application is guided by a qualified professional.
We accept submissions both manually and via Apply Online.
Please speak to your dedicated BDM or RM, who can guide you through the process.
Required documentation varies by product and borrower type, but typically includes ID, proof of income, and details of assets and liabilities.
If you are a broker, please speak to your dedicated BDM or RM, who will help you package your application. You can also see full details in the ORDE Broker Product Guide.
If you are a borrower, please speak to your broker, who will guide you through the application process.
Everything current borrowers need to know about managing their existing ORDE Financial loan, including information about My ORDE and redraws.
You can view your loan details anytime via our easy-to-use online customer portal, My ORDE, where you can download loan statements, check upcoming repayments, amend direct debit payments, and more.
We offer Direct Debit as our payment method. You can set this up by:
Logging into MY ORDE and scheduling a payment
Calling us at (03) 8657 2500
Emailing [email protected]
Once set up, repayments will be automatically debited from your nominated account on the agreed date.
You can add, edit, and delete direct debit details on your account under the 'Manage' tab in your My ORDE account.
You can access all your loan details in real-time by logging into your My ORDE account.
Absolutely! You can make additional payments via My ORDE or by completing a direct debit form with your specified amount. You can also contact our Client Services team by emailing [email protected] or calling (03) 8657 2500, Monday to Friday, 8:30am to 5:30pm AEST.
Accessing your loan statements is easy. Just log in to My ORDE, where you can download and review them anytime.
You can redraw any available amount from your account at any time.
To request a redraw:
Complete the Redraw Request form, available in the My ORDE app.
Please ensure that the Redraw Request has been wet signed by ALL borrowers – DocuSign is not available for this form.
Email the completed and signed form to [email protected]
An offset account is a transaction account linked to your home loan. The balance in this account is 'offset' against your loan balance when calculating interest, potentially reducing the interest you pay.
A redraw facility allows you to access any additional repayments you've made on your loan, providing flexibility to access funds if needed.
ORDE offers free redraw with the majority of our loans, excluding Bridging and SMSF.
ORDE does not offer fixed interest rates. All our rates are variable and adjusted based on market conditions.
If you’ve been with us for 12 months or more, you may be eligible for an interest rate review. Simply contact our Client Services team by emailing [email protected] or calling (03) 8657 2500, Monday to Friday, 8:30am to 5:30pm AEST, and we’ll assess your request. You’ll receive a response within 10 business days.
If your direct debit payment is dishonoured, a $15 dishonour fee will be charged to your account. You can reschedule your payment via My ORDE or by contacting our Customer Assist team via email at [email protected] or by calling (03) 8657 2560, Monday to Friday, 8:30am to 5:30pm AEST.
Yes! You can authorise a trusted third party, such as a family member, financial counsellor, or legal representative, to speak on your behalf. We’ll just need written or verbal consent before proceeding.
Creating your My ORDE account is simple. Click here or go to https://orde.my.site.com/ordeportal/s/ and follow the steps below:
Enter your contact details
Verify your email address and mobile number
Set your secret question and answer
Read and accept the Terms & Conditions
Create your password
Log in using your new details
If you’re having trouble getting set up or accessing your account, please reach out to our Client Services team by emailing [email protected] or by calling 13 ORDE (13 67 33). Our phone lines are open Monday to Friday from 8:30am to 5:30pm (AEST/AEDT), excluding public holidays.
Customer forms that were previously available on the ORDE Financial website, such as our Redraw Request and Discharge Authority forms, can now be found in the My ORDE app.
If you have a complaint, please contact our Complaints Resolution Team by emailing [email protected] or calling 1800 533 633. You can also send a letter to PO BOX. Learn more about our Complaints Process.
Support available for borrowers going through financial hardship.
We aim to assess and respond to hardship applications within 21 days. If we need additional information or foresee delays, we’ll keep you updated.
Missing a payment without notifying us can lead to fees, recovery actions, and potential impacts on your credit file. Please get in touch early, we’re here to help.
If your financial situation isn’t likely to improve soon, we may be able to offer longer-term solutions, including loan restructuring. We’ll work with you to find a way forward.
No, we do not charge fees for assessing or implementing hardship arrangements.
If you’re dissatisfied with the outcome of your hardship application, you can lodge a complaint with our Complaints Resolution Team or the Australian Financial Complaints Authority (AFCA).
Complaints Resolution Team
ORDE Financial – Complaint Resolution Team
Phone: 1800 533 633
Mail: PO Box 556, Collins Street West VIC 8007
Email: [email protected]
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001
Email: [email protected]
Website: www.afca.org.au
Information for mortgage brokers about working with us.
Complete the accreditation form on our website and the ORDE team will be in touch.
We've designed our accreditation process to be as simple as possible. Once you've completed the accreditation form, the ORDE team will review your application and let you know if any other information is needed. We aim to process all applications within 2 business days.
Once approved, you’ll receive a welcome email with your ORDE Broker Code and your dedicated BDM’s contact details.
No. At ORDE, one accreditation gives you access to our entire product range.
ORDE is a proud partner of some of Australia's largest aggregator panels. If we are currently not on your panel, please contact our team as we can still support you under a Direct Licence Agreement.
Your journey with ORDE starts with hands-on support to help you hit the ground running.
This includes a welcome call from your BDM, access to an exclusive onboarding webinar for new brokers, and one-on-one support for your first deal submission.
Commissions are paid monthly after settlement. Please contact your BDM or aggregator for details.
ORDE offers no clawbacks on all our products.
Yes. At ORDE, we’re committed to being a true partner to brokers. We regularly provide educational guides and CPD-accredited webinars to help you confidently deliver more value to your clients.
Your BDM is also here to give you personalised support, from navigating complex scenarios to sharing specialised lending insights tailored to your needs.
Visit our Broker Resources page to learn more.
Yes. With ORDE, brokers have direct access to our expert Credit team for scenario support and live deals.
Your dedicated BDM is the best person to speak to. They can advise on whether your scenario fits within our credit appetite and help explore potential options.