Track My Trail Team Market a mortgage broker service in Australia by naming the licensee on every public surface, then sending people to a page that can take a same-day enquiry. A slogan without a credit guide is advertising you cannot defend. RG 234 still governs credit ads. The Privacy Act 1988 sits on every form. The Spam Act … Read more
Your network grows when a named person sends a second live file. Measure those referrals. A contact list can grow fast without producing a live file. A badge photo from a conference does not settle a loan. Count introductions that reached a discovery call. Then keep one written follow-up rule for each referrer. That is … Read more
Loan settlement in Australia is the point when an approved loan is funded. For a property purchase, money is exchanged and the change of ownership and new mortgage are registered. For a refinance, the new lender pays out the existing loan and registers its mortgage. Settlement comes after approval. A broker prepares the credit file … Read more
A partnership with a real estate agent can give an Australian mortgage broker earlier access to buyers, clearer contract deadlines and a reliable source of referrals. The agent also gains a finance contact who can explain the buyer’s actual approval stage and flag problems before they threaten a sale. The benefit depends on clear roles. … Read more
Australian mortgage broker lead generation works best when paid channels are backed by an office that answers enquiries quickly and a trail book that stops leaking settled clients. This article walks through ten channel options, what each costs to run properly and which suit a small brokerage. Set the lead budget after confirming credit-advertising compliance … Read more
Starting as a new mortgage broker in Australia means mastering four things in order: how the market actually works, who regulates you and how, which products you will recommend daily, and the operating habits that turn a licence into a living. This guide works through each stage with current facts and the checks worth running … Read more
Licensing for mortgage brokers giving consumer credit assistance is a single national system: ASIC authorises the work under the National Consumer Credit Protection Act, most working brokers operate as credit representatives appointed by their licensee, and no state or territory issues a second home-loan broker licence on top. This guide walks through how that national … Read more
Lenders Mortgage Insurance (LMI) is a one-off premium that protects the lender, not the borrower, when a home loan carries more risk than the lender accepts on its own book. The borrower usually pays for it, most commonly on loans above an 80% Loan to Value Ratio. This guide covers what LMI does, when it … Read more
A fixed-rate mortgage locks your interest rate for a set period, usually one to five years in Australia, so repayments stay identical while the fixed term runs. When the term ends the loan reverts to the lender’s variable rate unless you refinance or fix again. This guide explains how Australian fixed terms work, what they … Read more
A balloon mortgage is a loan structured so regular repayments stay smaller than a fully amortising loan would require, leaving one large residual amount payable when the term ends. In Australia the structure appears mainly in car finance, novated leases and some commercial facilities rather than as a standard residential home product. This guide explains … Read more