1300 Home Loan has ramped up its rhetoric, jumping into discourse on upcoming RBA rate moves following its consumer marketing launch.

Founder John Kolenda earlier this week announced the company had hit a "critical mass" of brokers, and would begin its broad-scale marketing to consumers. Kolenda has now come out swinging with claims that the RBA needs to make deep rate cuts.

Ahead of Tuesday's RBA decision, Kolenda has said the Reserve needs to cut rates beyond a February reduction in order to move the major banks.

"Economists are speculating that this month will be the last cut until mid-year but if that happens it will be a disaster because the banks have made it pretty clear that they intend to largely absorb the February cut to offset their higher funding costs," he said.

The consumer-focused comments come after the company last year enlisted the aid of consultant Adir Shiffman as its head of digital strategy. Shiffman was responsible for founding HelpMeChoose.com.au, later snatched up by Mortgage Choice.