Contractor Home Loans: Broker Income Evidence
Prepare a contractor home loan file with contract history, renewal evidence and lender income calculations for PAYG and independent contractors.
Broker Data Security and Breach Reporting
Client files hold everything a fraudster wants. Set up the controls that stop most incidents, and know when a breach must go to the OAIC and clients.
Debt Recycling in Australia: How It Works
How does debt recycling turn home-loan debt into deductible debt? The split-loan structure, the redraw trap and the advice limits decide whether it works.
Finsure Thrive: Thinktank-Funded Broker Lending
Finsure Thrive gives Finsure brokers Thinktank-funded home, commercial and SMSF loans. See who it suits, the new SMSF property limit and how to test one.
Home Equity Line of Credit (HELOC) in Australia
When you want to draw on home equity as you need it, a HELOC gives a revolving limit. See how a home equity line of credit works in Australia.
Home Equity Loans: Types, Limits and Risks
How much equity can your client use, and which structure suits the purpose? Compare home equity loan types, borrowing limits, tax traps and risks.
How to Top Up a Home Loan
A top-up with the current lender is not always faster or cheaper than refinancing. Check the structure, cash-out evidence and commission on the increase.
How Do Mortgage Brokers Get Paid in Australia?
Lenders pay most Australian brokers an upfront and a trail commission through an aggregator, against a statement and RCTI. Here is how each payment works.
What is a Jumbo Loan in Australia?
Australia has no legal jumbo loan limit. Home loans above about $2 million move into specialist assessment, with lower LVR caps and closer scrutiny.
What is Lenders Mortgage Insurance (LMI)?
Before quoting a low-deposit loan, check what lenders mortgage insurance costs, how insurer and lender rules differ and whether a premium is refundable.
LMI Waivers for Professionals: Lender Checks
Lawyers, doctors, nurses and engineers can skip LMI at some lenders, but only on conditions. Here is how to check eligibility before you lodge the file.
Low Doc and Non-Conforming Loans Explained
Compare low doc and non-conforming loans by the problem each solves: income evidence in one case, credit history in the other, then cost and the exit plan.
MFAA Membership: Benefits for Mortgage Brokers
Is MFAA membership worth the fee? What the association gives brokers, how it compares with the FBAA and what it never replaces in your licence duties.
What is a Mortgage Aggregator? Roles and Models
A mortgage aggregator links brokers to lenders, software and licence support. See what you actually buy, the models groups run and how to join one.
Mortgage Aggregator Fees and Splits for 2026
Flat monthly fee or a percentage split? See how aggregator charges work, where the break-even sits on your book and which extra costs change the answer.
What is Mortgage Broker Commission Clawback?
Clawback can take back your upfront commission when a loan exits early. This guide covers clawback periods, lender differences and how to size a reserve.
Mortgage Broker Commission Rates in 2026
Upfront and trail rates differ by lender, product and aggregator split. Compare current mortgage broker commission rates and what an aggregator deducts.
Mortgage Broker Compliance Requirements
Who regulates you, which duties apply to every file and what records prove it? A plain map of mortgage broker compliance and a routine to keep it current.
How to Get a Mortgage Broker Licence
There is no standalone broker licence in Australia. Learn the two authorisation routes, the education and checks behind them, and why no state issues one.
Mortgage Broker Compliance Manual Template
Turn your mortgage broker compliance manual into working controls, with an owner, evidence and review test for every policy your credit licence needs.
Mortgage Broker Professional Development Plan
Courses keep you compliant; deliberate practice makes you better. Build a one-page development plan that pairs licence duties with skills that win files.
RCTI and Commission Statements Explained
Read an RCTI and commission statement, match GST, trail and clawbacks to loan records, and resolve differences before posting broker income.
Responsible Lending: A Broker Assessment Guide
Carry out responsible lending enquiries, verify the client’s finances and record a broker preliminary assessment with clear evidence and follow-up.
Mortgage Broker Tools and Apps in 2026
Which tools do Australian mortgage brokers use? Find trail, workflow, serviceability, document, compliance and office apps grouped by the job each does.
Mortgage Broker Courses and Qualifications
Which mortgage broker course do you need first? Compare the Certificate IV and Diploma, provider costs and what licensees and associations accept.
Mortgage Broker vs Bank: Pros and Cons
Should you use a mortgage broker or go straight to your bank for a home loan, and what should you check before you commit to either?
Onyx IQ: SME Lending Software and Broker Access
Onyx IQ runs the back office for alternative and SME lenders. Learn how its broker submission view works and what to check before you lodge through it.
What is PMI? Mortgage Insurance in Australia
Australia has no PMI. Its equivalent is lenders mortgage insurance, which protects the lender, is charged once at settlement and works unlike US cover.