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HomeStart Finance
HomeStart Finance is a Government Body that generates the majority of its income from the Non-Depository Financing industry. In 2022 the company generated total revenue of $101,577,000 including sales and other revenue. In 2022 HomeStart Finance had 118 employees including employees from all subsidiaries under the company's control. The Chief Executive of HomeStart Finance is Mr Andrew Mills whose official title is Chief Executive Officer. The Chairman of HomeStart Finance is Mr Jim Kouts whose official title is Chair. HomeStart Finance provides home finance solutions to low to middle-income earners and other needs groups in South Australia. The corporation facilitates and promotes home ownership in South Australia by providing the following range of financial products to first home buyers and existing home owners: Low Deposit Loans - includes graduate loan, low deposit loan, and HomeStart home loan. Borrowing Boost Loans - includes advantage loan, newly singles loan package, Wyatt loan, and EquityStart loan. Home Equity - comprises of seniors equity loan and home equity loan.
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What's included in this industry analysis
IBISWorld's research coverage on the HomeStart Finance includes market sizing, forecasting, data and analysis. The most recent publication will be as current as of March 2026.
Company Details
What’s this enterprise profile about?
HomeStart Finance, trading as HomeStart Finance, operates under the ABN 82 829 169 885 and was incorporated on 01 January 1989. HomeStart Finance primarily operates in the Non-Depository Financing industry in Australia.
Key Personnel
What’s included in the Key Personnel chapter?
The Key Personnel chapter outlines the principal leadership positions within HomeStart Finance, including the Chairman, Board members, Chief Executive Officer, and other key management personnel. It provides an overview of the company’s governance and executive structure, along with a breakdown of gender diversity across leadership roles, offering insight into the composition of the organisation’s senior team.
Financials
What’s included in the Financials chapter?
The Financials chapter presents HomeStart Finance’s historical financial performance, including detailed profit and loss statements outlining sales revenue, cost of sales, and profitability. It also incorporates balance sheet data, providing a breakdown of assets and liabilities, as well as additional financial metrics such as the number of shares on issue. Together, these disclosures offer a comprehensive view of the company’s financial position and performance over time.
Growth & Ratios
What’s included in the Growth & Rations chapter?
The Growth & Ratios chapter provides historical data on key financial performance indicators, enabling an assessment of the company’s operational efficiency, profitability, and financial structure over time. Metrics covered include return on equity, return on assets, profit margins, revenue per employee, as well as gearing and leverage ratios, offering a comprehensive view of performance trends and capital management.
Operating Segments
What’s included in the Operating Segments chapter?
The Operating Segments chapter provides an overview of the revenue composition and asset allocation across the various industries in which HomeStart Finance operates. It offers insights into how the company’s financial performance is distributed among its core business segments, highlighting the relative contribution of each industry to total revenue.
Competitor Benchmarking
What’s included in the Competitor Benchmarking chapter?
The Competitor Benchmarking chapter includes a comparative assessment of HomeStart Finance’s key financial, growth, and valuation ratios against industry averages to evaluate its competitive position. It analyses valuation metrics such as price-to-earnings, price-to-book, enterprise value to EBITDA, and enterprise value to sales, alongside core financial indicators including liquidity ratios and profitability measures.
Shareholders
What’s included in the Shareholders chapter?
The Shareholders chapter provides a breakdown of the ownership structure of HomeStart Finance, identifying key shareholders and outlining their respective ownership interests. This section offers insight into the concentration of shareholdings, the presence of institutional or strategic investors, and the overall distribution of equity within the company.
Subsidiaries
What’s included in the Subsidiaries chapter?
The Subsidiaries chapter provides an overview of the companies and business entities that are wholly or partially owned by HomeStart Finance. It outlines the ownership structure of each subsidiary, offering insight into the broader corporate group and how these entities contribute to the company’s overall activities and performance.
History
What’s included in the History chapter?
The History chapter presents a overview of HomeStart Finance’s development, highlighting key milestones and significant corporate events since its incorporation. It includes the company’s incorporation date and outlines major strategic, operational, and structural developments, providing context for its evolution and current market position.
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Frequently Asked Questions
What is HomeStart Finance?
HomeStart Finance provides home finance solutions to low to middle-income earners and other needs groups in South Australia. The corporation facilitates and promotes home ownership in South Australia by providing the following range of financial products to first home buyers and existing home owners: Low Deposit Loans - includes graduate loan, low deposit loan, and HomeStart home loan. Borrowing Boost Loans - includes advantage loan, newly singles loan package, Wyatt loan, and EquityStart loan. Home Equity - comprises of seniors equity loan and home equity loan.
What industry does HomeStart Finance operate in?
HomeStart Finance, trading as HomeStart Finance, is a Private Company that generates the majority of its income from the Non-Depository Financing industry in Australia.
Where is HomeStart Finance located?
Murray Cod Australia Limited company is based at 169 Pirie Street, Adelaide, South Australia, Australia.
Who is the CEO of HomeStart Finance?
The Chief Executive Officer of HomeStart Finance is Jim Kouts and the Chief Executive Officer is Andrew Mills.
What was HomeStart Finance’s revenue in 2025?
In 2025, HomeStart Finance generated total revenue of approximately $101.6 million.
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