Best Aggregator for Mortgage Brokers in Australia (Top 10 in 2026)

As a broker, your aggregator should be helping you, not hindering you.

While this sounds like a no-brainer, many aggregators suffer from poor customer service, antiquated technology, and a lack of professional development.

If you feel like you’re time travelling back to the 1990s every time you log into your broker portal, it’s time to consider your options.

The best aggregators combine excellent customer service, diverse lender panels, attractive commission schedules, and cutting-edge mortgage broker software.

Based on these factors, we’ll examine the Top 10 Mortgage Aggregators across Australia. Let’s dive in.

10 Mortgage Aggregators for Australian Brokers to Compare

Loan Market Group (LMG)

Group Consolidation and Current Scale

Loan Market Group (LMG) is the 2023 consolidation of Loan Market, PLAN Australia, Choice Aggregation and FAST (PCF) under one aggregator brand. LMG’s own site currently describes a community of more than 6,000 brokers and advisers and more than 70 banks and lenders. Those counts are a current marketing snapshot, so the proposed agreement still needs to show the panel and accreditations available to the brokerage.

Plan Options and Net Commission

Ask how LMG reports settlement on the plan you would join, whether that is a Loan Market franchise plan, a partner plan or Bring Your Own Brand. Model volume on LMG’s fee and commission structure before you assume a flat-fee plan is cheaper than a split.

Day-One Lender Accreditations

Check which tier 1 and tier 2 lenders you can actually accredit on day one. Match that list against the lenders used by your existing clients, including specialist lenders that may need extra approval.

MyCRM File Workflow

Run a dummy file in MyCRM through loan processing. Check document collection, compliance prompts, lender research and status updates rather than judging the platform from a sales demonstration.

LMG Licence and File Reviews

Confirm whether you would operate under LMG’s credit licence or your own. Ask who reviews files, how quickly reviews are returned and which records must be kept outside the platform.

Broker Training and Mentoring

LMG plans can combine mandatory compliance sessions with new-to-industry support, lender workshops and mentoring. The current calendar should show how much practical broker development is included in the specific plan offered.

Ray White Leads and Marketing Tools

Ask what mortgage broker tools and Ray White lead generation you would receive on your chosen plan. Get the ownership, allocation rules and extra costs for every lead source in writing.

Lender Escalations and Contact Cover

LMG offers franchise, partner and Bring Your Own Brand arrangements, so the support path can differ by plan. The written offer should identify the local or central contact for lender escalations and the cover available when that person is away.

Total Plan Cost and Exit Terms

Compare the total cost of the specific LMG model offered to you. Include software, licensing, marketing, professional indemnity requirements, exit terms and any treatment of trail after departure.

Australian Finance Group (AFG)

Listed Aggregator and Integrated Support

Australian Finance Group (AFG) is a listed aggregator with an integrated broker platform and dedicated partnership support. Its offer spans residential lending, business growth, compliance and learning. Current panel access still depends on the broker’s accreditation.

Net Income After AFG Charges

Review AFG’s fee and commission structure on your own book. Compare net income after every fixed charge, split and service fee.

Panel Access for Specialist Files

AFG places lender access and product selection inside its broker technology suite. The practical value depends on the lenders available for your experience, location and licence model, especially if commercial or specialist files form part of the book.

Suite360 Broker Platform

Suite360 combines BrokerEngine Plus for lodgement and product selection, Analytics for reporting, Learn for training, lender-panel access and a Help Centre. Run a trail commission calculator beside a sample file, then check that the customer relationship management record and completed credit file export meet your licensee’s needs.

Comply365 and Licence Support

AFG promotes compliance support for brokers and a separate Comply365 service for Australian Credit Licence holders. Comply365 covers work such as advertising reviews, breach reporting and ASIC notices. The correct service depends on whether the brokerage uses AFG’s licence structure or holds its own ACL.

AFG Learn and Lender Education

The Learn platform, webinars and training events give AFG a structured development offer. A brokerage can use that mix for platform onboarding, lender updates and business skills, but should still inspect the next quarter’s calendar for topics that match its team.

SMART Marketing Program

AFG’s SMART program centralises marketing activity for brokers. It may suit a team that wants campaign material connected to the wider platform. The agreement should state what is included, how branding is controlled and whether additional campaign work attracts a fee.

Partnership Manager Support

AFG assigns a Partnership Manager who can work across business planning, recruitment, marketing and compliance. That broad role is a real distinction for a brokerage that wants one commercial contact, provided the assigned manager has the experience and capacity the team needs.

AFG Agreement and Exit Schedule

Request the full agreement, joining criteria and exit schedule before comparing offers. AFG is one choice for mortgage brokers, but the current accreditation list and written terms should determine fit.

Finsure

Infynity and Broker-Growth Services

Finsure is an active Australian aggregator built around Infynity CRM and a broad set of broker-growth services. Its current broker offer includes loan-processing help, recruitment, lead generation, marketing assistance, compliance support and education.

Flexible Commission and Funding Options

Finsure promotes flexible commission structures and funding services tied to commission and trail income. Compare the current options with Finsure’s fee and commission structure, then calculate the effective cost at quiet, expected and strong settlement volumes.

Accreditations Across Finance Areas

Finsure supports standard residential loans as well as other finance areas through its aggregation offer. Brokers who want to diversify should compare actual day-one accreditations with the last year of enquiries, because specialist access may require separate approval.

Infynity Workflow and Client Management

In this mortgage aggregation comparison, Infynity CRM is Finsure’s defining technology. It brings workflow and client management into one ecosystem. A sample file will show whether that ecosystem reduces work for your team.

Compliance and Fraud Prevention

Finsure lists proactive compliance and fraud prevention as part of its broker support. This may suit a growing team that wants operational help around the platform. The proposed licence arrangement should still state who reviews files and who owns each obligation.

Training for System and Finance Changes

Ongoing training and education sit alongside Infynity onboarding and lender support. That combination is useful for a broker changing systems or adding a finance line, especially when the first months include unfamiliar policy and workflow.

Branding, Online Presence and Leads

Finsure advertises personalised help with branding and online presence, plus lead-generation options. This is more hands-on than a simple template library. It will suit some growth-focused brokers, while established teams should check whether it duplicates their own marketing operation.

Processing and Recruitment Support

Loan-processing support and staff-recruitment help make Finsure’s service broader than platform assistance alone. Those services may appeal to a brokerage adding volume or staff, but the service levels and any extra charges belong in the written offer.

Licence, Software and Exit Costs

Check experience requirements, licence options, software charges and exit conditions together. Ask what happens to trail if you leave and whether data can be exported in a usable format.

Connective

Residential, Asset and Commercial Aggregation

Connective still markets itself as a residential, asset and commercial aggregator. Connective’s site currently cites more than 5,000 brokers and 70-plus lenders. Confirm both numbers, and which of those lenders you can accredit, before you treat them as a reason to switch.

Fixed and Variable Fee Options

Connective has used a variable aggregator fee schedule and a fixed-fee schedule. Model both on Connective’s fee and commission structure using your trail book, not a recruiter’s sample loan.

Separate Panels by Finance Type

Separate the residential, asset and commercial panels when you compare coverage. Confirm the accreditation route for each business line and identify any important lenders that need extra volume or experience.

Test Mercury Across Two Workflows

Sit in Mercury and lodge a dummy residential file. Then test a second workflow from the main non-residential area you write, because one smooth home-loan demonstration may not reflect the rest of the platform.

Licence Models and File Checks

Confirm which licence models are available and how compliance support differs between them. Ask what is checked before lodgement, what is sampled later and how urgent questions are escalated.

Training Across Finance Types

Connective spans residential, asset and commercial aggregation. Its useful training mix therefore depends on whether upcoming workshops and lender sessions cover every finance type the brokerage writes, rather than concentrating on residential lending.

Campaign Builder, Brand and Data Control

Ask to see the campaign builder, client journeys and reporting rather than a slide deck. Confirm which services are included and whether your brokerage keeps control of its brand and client data.

State Partnership and Settlement Escalation

Connective assigns a partnership contact by state or segment. That model gives a brokerage a named route for a lender or Mercury issue, with leave cover and settlement escalation terms to be settled in the service offer.

Lock-In, Data Export and Trail Terms

Ask whether the group still offers no lock-in contract for your entity type. Read the notice period, data-export rules and trail treatment closely, and include every platform charge in the comparison.

Specialist Finance Group (SFG)

Family Ownership and SFGconnect

Specialist Finance Group (SFG) is a family-owned aggregator. Its site still promotes SFGconnect and flexible commission agreements. Confirm the current lender list, SFGconnect access and any WLTH or other partnership claims directly with SFG. Do not treat a “30 years in aggregation” line as a panel guarantee.

Written Fees and Volume Splits

Ask for the written fee schedule and model it against your current settlement mix. Check whether the quoted split changes with volume, which services have separate charges and how the agreement handles trail after exit.

Specialist Lender Accreditation

If you write specialist or niche loans, get those lender names in the accreditation letter before you resign from your current group. Check product access, not just whether the lender’s logo appears on a panel page.

SFGconnect Research and File Notes

Request a live walkthrough of SFGconnect using a typical client scenario. Test research, file notes, document handling and the information available after settlement.

Licence Options and Complex File Reviews

Ask who provides compliance advice under each licence option and how file reviews work. Confirm the expected response when a complex scenario does not fit a standard checklist.

Lender Scenarios and Business Coaching

SFG’s training is most useful when the next few months include the lender scenarios, compliance updates and business coaching the brokerage needs. The relevance of those sessions matters more than the advertised event count.

Core Services and Outside Partnerships

Ask what the aggregator itself delivers and what comes through outside partners. Check the price, data access and cancellation terms before counting a partnership as part of the core value.

Accreditation, Platform and Lender Support

SFG support needs to cover specialist lender accreditations as well as SFGconnect questions. The people assigned to those two areas should be identified before joining, especially for a brokerage whose niche files need quick lender escalation.

Entry Costs and Client Records

Request all entry criteria and recurring costs in one document. Include licensing, technology and training obligations, then compare the exit notice and ownership of client records.

YBR Aggregation

YBR Aggregation Rebrand

YBR Aggregation, the current aggregation brand that replaced Vow Financial in 2024, is part of the Yellow Brick Road Group. The Vow Financial name still appears in older material, so the current YBR agreement should identify the legal entity, portal and services supplied.

Fees Across Strong and Slow Quarters

Use Vow Financial’s fee and commission structure as historical background only. Model the current YBR Aggregation offer on expected settlements and trail, then test the result against a slow quarter and the cost of optional services.

Current-Brand Lender Accreditations

Request the panel attached to the exact agreement now offered under the current brand. Confirm day-one accreditations and note any lenders that require further experience, volume or training.

Vownet on Salestrekker

Test Vownet on the Salestrekker stack with a dummy mortgage process. Confirm the platform named in the new agreement and the support available during migration.

Licence Use and Disputed Reviews

Ask how compliance responsibilities differ if you use the group’s credit licence. Review file checks, advice access and the process for resolving a disputed review finding.

YBR Platform and Lender Onboarding

Under the current YBR Aggregation structure, onboarding needs to cover the renamed platform and the lenders central to the broker’s first month of files. The live calendar shows whether both parts are scheduled during the transition from the Vow brand.

Included Marketing Deliverables

Marketing extras such as logo design are useful only if they are in the plan you would actually buy. Inspect deliverables, turnaround times and brand ownership.

Legacy Vow Support Routes

Confirm which team now supports the legacy Vow network and how requests are routed. Test a complex lending question and a platform question because they may go to different specialists.

Legal Entity, Trail and Data Terms

Check that every document uses the current legal entity and fee model. Review experience requirements, licence arrangements, termination rights and the handling of trail and client data after exit.

National Mortgage Brokers (nMB)

Liberty Ownership and Mortgage Broker Suite

National Mortgage Brokers still operates as an aggregator. nMB’s site states that National Mortgage Brokers Pty Ltd is a fully-owned subsidiary of Liberty Financial. Confirm the current ownership, Mortgage Broker Suite access and lender panel with nMB, not from an old brochure.

Commission Steps as the Book Grows

Ask how commission steps as the book grows and which fees change with volume. Model the offer on the mix of upfront and trail income in your own book rather than a single settlement example.

Panel Access Under Liberty Ownership

Compare the available panel with the client segments you serve. Confirm whether ownership affects access or accreditation with any lender important to your business, including lenders outside the Liberty group.

Mortgage Broker Suite Workflow

Ask for a current demonstration of Mortgage Broker Suite and complete a realistic workflow. Check document storage, research records, lender integrations and whether your data can be exported.

Written Licence and Compliance Process

National Mortgage Brokers should put the credit-licence model and compliance process in writing. Ask who reviews files, how findings are resolved and what support is available before lodgement.

Onboarding for New and Established Brokers

nMB’s onboarding serves two different needs. Established brokers may value lender and business sessions, while a newer broker needs enough mentoring, supervision and practical file support to complete early lodgements.

Campaigns, Planning and Client Data

Request examples of included campaigns and planning support. Decide whether they address a measured need in your brokerage and whether client data stays under your control.

Named Contacts for Each Support Area

Identify the contact for onboarding, lender matters, compliance and technology. Clear ownership matters more than a broad promise of personalised support when a live file needs a quick decision.

Joining, Exit and Record Retrieval Terms

Get joining criteria, licence terms, technology charges and exit conditions together. Ask what happens to trail if you leave and how quickly the brokerage can retrieve its complete client records.

Outsource Financial

Independent Ownership and Salestrekker

Outsource Financial still presents as an independently owned aggregator for brokers and referrers. It grew from a boutique group. Confirm that independent-ownership claim and the current Salestrekker setup with Outsource Financial directly.

Broker and Referrer Member Models

Ask which member model you would join: broker, referrer or both. Get the commission calculation, fee and technology costs in writing. Do not assume an independently owned group automatically means a better net split.

Day-One Access for Brokers and Referrers

Confirm which lenders you can lodge on day one under your selected member model. If referrals form part of the proposal, clarify who advises the client and which panel applies.

Salestrekker Migration and Integrations

Test the current Salestrekker setup with the workflow your team uses most. Check integrations, document movement, client communication and the practical work required to migrate existing records.

Different Compliance Paths by Member Model

Ask what compliance support applies to brokers and what applies to referrers. Confirm licence responsibilities, file-review timing and how the group handles a referral that becomes a complex credit matter.

Training for Target Finance Areas

Compare the training plan with the finance types you want to grow. A targeted workshop followed by file support can be more useful than a large library with little practical guidance.

Content, Leads and Referral Portability

Review the content and strategy support that is actually included. Ask who approves campaigns, who owns generated leads and whether a referrer relationship remains portable if you leave.

Lender Escalation and Time-Zone Cover

Outsource Financial’s boutique model makes the people behind lender escalation and daily Salestrekker help part of the offer. A brokerage operating across time zones needs the proposed service arrangement to name the relationship manager and the cover available during leave.

Member-Model Entry and Exit Costs

Compare the entry process for each member model. Include accreditation work, licensing, technology subscriptions, notice periods, data export and the treatment of trail in the final cost assessment.

MoneyQuest

Franchise Brand, Dashboard and Head Office

MoneyQuest operates as a boutique aggregation and franchise group. Its franchise model combines a consumer brand with a proprietary dashboard, lead flow, an online training academy and head-office support. Our MoneyQuest guide gives more background on the group.

2024 Commission Accuracy Result

MoneyQuest’s 2024 broker-survey report gave the group a gold result for commission-payment accuracy. That is evidence of broker experience at the time, not a current fee quote. A prospective member still needs the live franchise or aggregation schedule and a net-income model for their own volumes.

More Than 60 Institutions and Suppliers

MoneyQuest currently describes access to products from more than 60 lending institutions and suppliers across home, commercial, vehicle, SMSF and personal finance. A broker with a mixed client base may value that range, subject to the lender accreditations available under the chosen agreement.

Proprietary Franchise Dashboard

The proprietary dashboard is the centre of the MoneyQuest franchise system. It sits alongside lead sources and head-office services rather than operating as a stand-alone generic CRM. Existing brokers should test how their current client records and aggregator workflows would move into it.

Compliance Responsibilities in the Agreement

MoneyQuest’s 2024 survey result also covered compliance support. The member agreement must show how compliance responsibilities and file reviews work in the selected model.

Training Academy, Mentoring and Coaching

An online training academy, mentoring and business coaching are part of the franchise proposition. That structure can suit a broker who wants help building a business, while an established operator should compare the programme with the autonomy of a bring-your-own-brand model.

Multisource Leads and Onsite Studio

MoneyQuest supports its franchise brand with multisource leads and an onsite film studio for content. This is a practical distinction for brokers who want a ready-made public presence. The franchise agreement should explain local brand control, lead ownership and campaign costs.

Head-Office and Franchise-Peer Support

Head-office staff support the franchise network, and MoneyQuest promotes peer knowledge among franchise owners. That community model may suit brokers who value a branded network and central help more than complete independence.

Fit, Franchise Costs and Trail Terms

MoneyQuest is a stronger fit for a broker willing to work within a franchise system and use its dashboard, marketing and support. Joining standards, total franchise costs, client-data rights and trail treatment must be clear before signing.

Liberty Network Services

Liberty-Owned Adviser Network

Liberty Network Services is a wholly owned aggregation and adviser channel of Liberty Financial. It combines the Liberty Adviser brand with business infrastructure, mentoring and access across several finance categories.

Network Fees Versus Brand Support

Liberty Network Services promotes a model intended to let advisers build their own businesses inside the network. The current fee schedule should be modelled on the actual book, with the value of the brand and support separated from any Liberty lending products.

Finance Categories and Accreditations

LNS lists residential, motor, commercial, business, SMSF and custom lending, plus integrated insurance. This breadth may suit an adviser who wants several income lines, but exact accreditations still need written confirmation.

Current Adviser Technology

LNS includes the Spark+ mobile platform in its current adviser technology. Ask for a live demonstration using a representative client journey, then check the file workflow and the process for moving an existing book.

Licence Responsibility and File Reviews

LNS is wholly owned by Liberty Financial. The agreement should state who holds the licence for each adviser model, how file reviews work and where responsibility sits when a finding is disputed.

24-Month Mentor Programme

New-to-industry Liberty Advisers can enter a 24-month mentoring programme. This gives LNS a concrete appeal for a new broker who wants structured development, provided the training covers the finance categories they expect to use.

National Campaigns and Local Marketing

Marketing advisers connect national Liberty campaigns with local marketing strategies for each adviser. That can shorten the work needed to establish a local brand, though the agreement should still explain campaign costs and ownership of the client relationship.

Central Adviser Support

LNS positions experienced staff, personalised training and marketing guidance around the adviser business. The model may suit someone who wants a recognisable consumer brand and a central team rather than a bare aggregation agreement.

Fit, Fees and Exit Rights

The strongest fit is likely an adviser who values the Liberty brand, structured mentoring and access to home, motor, commercial and other lending categories. Entry standards, total fees, licence conditions and exit rights still need to match the brokerage’s actual client mix.

Start with the lenders used by your brokerage over the past 12 months. Confirm which aggregators can accredit you with those lenders, then model the fees and commission split against your settlement and trail figures.

Next, run the same sample residential file through the portals you are considering. Compare the time required, the available lender tools and the support you receive when the file does not fit the standard process. Ask each group to confirm its licensing model and exit terms in writing.

Broker numbers, panel sizes, software and fees can change. Treat these providers as starting points, then make the final decision from the current agreement and a hands-on test of the service.