Morgij Analytics Corporate Structure


Loan RQ Pty Ltd (Mòrgij Analytics)

Mòrgij Analytics is currently owned by its staff, Pepper Home Loans, Perpetual, Oliver Wyman and numerous sophisticated investors. Mòrgij Analytics acquired MARQ Services Pty Ltd in 2014 and all its associated intellectual property and resources. The MARQ team members brought deep experience in the finance and securitisation industries, together with the creative, mathematical and programming skills to design, build and deliver advanced analytical services.


MARQ Services Management PTY LTD (MSM)

MSM holds an Australian Financial Services Licence (“AFSL”) No. 422492 that enables it to “provide general financial product advice to wholesale clients only by issuing a credit rating”. MSM does not provide credit opinions and is not a traditional credit rating agency (CRA). MSM provides a credit rating on individual mortgages through programmed algorithms that can be calibrated by the user, not analytic opinions. MSM complies with the IOSCO code of conduct for CRAs where applicable.

MSM performs the following specific services:

  • Business planning, administration and sales
  • Collection and storage of mortgage data
  • Developer of MARQ analytic software
  • Manager of website
  • User marketing and promotion


MARQ Trust

The MARQ Trust was formed in August 2012 to provide MARQ to the Australian financial services market. The MARQ Trust licenses the MARQ technology from MIP, the holder of all the intellectual property and licenses of the Company.