HSBC Broker Portal After the Retail Exit
HSBC no longer takes new home loans and is selling its loan book. What does its broker portal still do, and does your trail continue after the sale?
People First Bank Broker Portal (Heritage)
Heritage and People's Choice brokers now work through People First Bank. See where new business goes and what the legacy Heritage site still handles.
Vero Broker Portal: Quotes, Policies and Claims
Use the Vero broker portal to fetch wordings, check underwriting appetite and lodge small claims online. Learn how registration and access work.
How to Build a Mortgage Broker Referral Network
Where will your next client come from? Build a referral network of agents, accountants and financial planners, with written terms and client consent.
What is a Business Loan in Australia?
Business and commercial loans are judged on cash flow, not a household budget. See the main facilities, what lenders check and where consumer law stops.
Mortgage Trail Books for Sale: Where to Buy One
Before you bid on a trail book for sale, see where books are listed in Australia, how each channel works and which statements to reconcile first.
How to Write Mortgage Broker Case Studies
Before you publish a client story, get consent and check every figure against the file. Eight steps to a case study that informs without misleading.
What is the Cash Rate in Australia?
What does the latest RBA decision mean for your home loan? See the current cash rate, how it differs from your interest rate and its impact on borrowers.
How Mortgage Brokers Improve Client Retention
When settled clients go quiet, they refinance elsewhere. Run a contact calendar, honest reviews and trail checks that keep your home loan retention high.
Effective Client Surveys for Mortgage Brokers
Effective surveys start with one decision to inform. Choose the purpose, write neutral questions, send at the right stage and act on what clients tell you.
Co-Broker Agreement Template: Clauses to Include
Draft a co-broker or brokerage agreement that names roles, splits upfront and trail, handles clawback and sets limits for agents who work your files.
CAFBA: What It Does and How Membership Works
CAFBA is the national body for commercial and asset finance brokers. Here is what it lobbies for, what CAFBA membership requires and how its courses work.
Commission Advances for Mortgage Brokers
Is a commission advance worth the fee? See how advance commission products work, what they cost in dollars and the risk if a payment comes late or short.
Common Debt Reducer: How Lenders Apply It
Some lenders count only the share of a debt you actually repay. Here are the lenders that apply a common debt reducer and the evidence they ask for.
What Are Community Development Loans?
Which funders lend to community housing, Indigenous enterprises and local projects that banks decline, and what do community development loans require?
Comparison Rates: What They Include and Exclude
When loans advertise similar rates, the comparison rate adds fees on a standard example. See what it includes, leaves out and the warning it carries.
What Does Conditionally Approved Mean?
Conditionally approved means the lender has said yes subject to written conditions such as a valuation. Here is what must clear before final approval.
How to Conduct a Mortgage Broker Consultation
Before a new client meeting, send the Credit Guide, start client onboarding and plan the fact-find, then run the consultation and quote before you lodge.
Credit Guide Requirements for Mortgage Brokers
What must a credit guide contain, and when do you give it? See the licence, fee, commission, lender and dispute details, plus how to keep yours current.
Credit Repair Services in Australia: A Guide
Thinking of paying a credit repair company? Most corrections are free through Equifax and Experian. Check a provider's licence and fees first.
What is a Credit Reporting Agency in Australia?
Australia has two consumer credit reporting bodies, Equifax and Experian. Here is what they hold, who can see a file and how to fix errors before lodging.
What Credit Score Do You Need for a Home Loan?
Australia has no single minimum credit score for a home loan. See how lenders read Equifax and Experian credit scores for home loans, and what lifts one.
Cross-Collateralised Home Loans in Australia
Before you pledge two properties for one loan, see how cross-collateralised loans pool equity and what selling or refinancing one property will then cost.
Customer Service Standards for Mortgage Brokers
Clients judge you on whether they knew the status without chasing. Use brokerage customer service standards for updates, conditions and quotes.
Debt Management: Types, Strategies and Free Help
List every balance, rate and minimum, then pick a repayment order. This guide covers types of debt, consolidation trade-offs and free hardship help.
Debt Consolidation Loans: How They Work
Will one loan for all your debts cut the total you pay, or just the repayment? Compare consolidation loans on real cost before you apply.
Debt-to-Income Ratio for Home Loans in Australia
Before you lodge a home loan with a high DTI, see how lenders work out a debt to income ratio and what the APRA limit at six times income exempts.
What is a Deposit Bond? Costs and How to Apply
Can a deposit bond replace the cash deposit on your contract? Learn how bonds work, what they cost, how long approval takes and when sellers refuse them.