Stop Writing Loans.
Start Building Wealth.
A boutique franchise opportunity for high-performance brokers who want to build a serious business, not just a job.
Apply Now
About Penny
We believe people can do better. Better in the way they use and access money to create better outcomes for their immediate and long-term financial position. Our job is to work with you to find the best way to meet your goals and priorities.
Really, Really Good Finance challenges us to ensure that we secure what suits you. It's smart. It's informed. It's competitive. It puts you in a great position to achieve what you want from your life.
We are in the business of helping people change their lives. For the better.
Penny is loaded with expertise and a desire to constantly learn.
We believe it's about authenticity - for us and how we work with our clients.
In the world of finance, timing is everything.
Apply To Join The Penny Network
Limited to 60 franchisees nationally. The first 5 approved partners receive 60% off the initial franchise fee. Share a few details and the Penny team will be in touch.
Why This Exists
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.
Why Penny
A boutique franchise model built for high-performance brokers who want support, income, and long-term business value.
The Penny Philosophy
At Penny, we believe in building businesses that are profitable, purposeful, and personal.
We don't believe in one-size-fits-all. We believe in designing your own version of success - under a brand that already commands respect.
This philosophy underpins everything we do. It's how we built a $400 million brokerage in five years, a thriving team, and a trusted brand. And it's what you'll tap into as a Penny franchisee.
Our Clients Rave About Us
With 90+ 5-star Google Reviews, we're proud to be the most recommended team in the Inner West.
I've been having a lot of trouble with getting the build of my home started. A friend of mine recommended Morgan and the team at Penny Finance and I wish I did it sooner. I've been working with William and he's been extremely helpful. He's very prompt with his communication and doesn't mess around. Everything was settled in half the time I had previously had my last loan done. Morgan was very knowledgeable in helping me set my goals and get me moving forward with my realestate journey. 10/10
We engaged Penny Finance to support us with understanding how we could best leverage the sale of our first house to upsize in a competitive market. Morgan kicked started this with comprehensive information about our financial position and identifying our property goals moving forward. Once we understood this and were ready to buy, the support we have received from Vasilios has been overwhelmingly positive. He's been extremely responsive and patient, clarifying every question we had along the journey. Vas, we very much appreciate everything you've done!
Clayton immediately made us feel at ease from the first time we spoke with him. He made the process feel easy and explained things in a way that helped us understand all the finer details of our refinance. We are very happy with our experience with Penny finance and will definitely use them again in the future!
The Penny Finance team have been great to work with. The key member that assisted me was Vasilios who was very responsive to all my queries, and was particularly patient in explaining me the different options that were available for us to use. Overall, a friendly and helpful team that were great to work with and delivered good results.
I've worked with the team at Penny for several years now, and they've been consistently excellent. They're knowledgeable, reliable, and always take the time to explain everything clearly in a way that actually makes sense. Their communication is always prompt and thorough which makes the whole process much less stressful. I wouldn't hesitate to recommend them! Thanks Team!
Vasilios and the Penny Finance team are exceptional to work with. They gave an incredible amount of attention to our needs in order to understand what we wanted and then advised how to get there. Many months of advice, availability, and questions which culminated in us receiving formal approval to be able to purchase our dream family home and sell our starter property.
What You Receive
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.
Investment & Commercials
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
Early Partner Offer
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.
Built By A Broker, Not A Corporate
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.
We get you, because we are you.
Meet The Team
Real people, real expertise. Get to know the team that will guide you from pre-approval to settlement and beyond.
The Penny Promise
Freedom without isolation
Structure without red tape
Mentorship without ego
Tools that actually work
A community that builds, not competes
A brand with real equity behind every loan you write
The Lifestyle
Penny gives you the structure to build a scalable asset without being chained to a desk.
Morning gym session and personal time
Quality time with friends or family
Focused, high-impact online client meeting blocks
A structure built for peak performance and results
Ready to Get Started?
If you're ready to build a serious business under one of Australia's most respected boutique finance brands, get in touch today.
Apply NowMorgan Owen - Director & Finance Specialist
Only 60 franchises nationally. First 5 receive 60% off the initial franchise fee.