AFG Aggregator Fees and Commission Rates 2026

AFG aggregator fees reduce the commission you retain, while the lender schedule shows upfront and trail rates before your member agreement applies. Compare each lender’s year-by-year trail with the fees and commission split in your AFG offer.

AFG Commission Rate Schedule Table

The AFG schedule below lists 62 lender and product rows, with upfront commission and trail for years one to five and year six onward. Each percentage is a commission rate, separate from the borrower’s home-loan interest rate.

Y1 means the first year of the loan, Y2 the second year and Y6+ year six onward. Read across the row because some lenders increase trail as the loan ages. LVR means loan-to-value ratio in the Liberty product rows.

Lender	Upfront (%)	Trail Y1 (%)	Trail Y2 (%)	Trail Y3 (%)	Trail Y4 (%)	Trail Y5 (%)	Trail Y6+ (%)
AFG Home Loans - Align	0.660	0.220	0.220	0.220	0.220	0.220	0.220
AFG Home Loans - Alpha	0.715	0.165	0.165	0.165	0.165	0.165	0.165
AFG Home Loans - Bright	0.715	0.165	0.165	0.165	0.165	0.165	0.165
AFG Home Loans - Edge	0.715	0.165	0.165	0.165	0.165	0.165	0.165
AFG Home Loans - Link	0.715	0.165	0.165	0.165	0.165	0.165	0.165
AFG Home Loans - Options	0.715	0.165	0.165	0.198	0.198	0.198	0.198
AFG Home Loans - Retro	0.715	0.165	0.165	0.165	0.165	0.165	0.165
AMP	0.715	0.187	0.187	0.187	0.187	0.187	0.187
ANZ	0.715	0.165	0.165	0.165	0.220	0.220	0.220
Australian Military Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Auswide Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Bank Australia	0.660	0.165	0.165	0.165	0.165	0.165	0.165
Bank of China	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Bank of Melbourne	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Bank of Queensland (BOQ)	0.715	0.165	0.165	0.165	0.220	0.242	0.242
Bank of Sydney	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Bank SA	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Bankwest	0.715	0.165	0.165	0.165	0.165	0.165	0.165
BCU	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Better Mortgage Management	0.660	0.165	0.165	0.165	0.165	0.165	0.165
Beyond Bank	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Bluestone	0.880	0.165	0.165	0.165	0.165	0.165	0.165
Commonwealth Bank (CBA)	0.715	0.165	0.165	0.165	0.220	0.220	0.220
Credit Union SA	0.660	0.165	0.165	0.220	0.220	0.220	0.220
Firefighters Mutual Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Firstmac	0.660	0.165	0.165	0.165	0.165	0.165	0.165
GMCU	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Granite Home Loans	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Great Southern Bank	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Health Professionals Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Heartland Reverse Mortgages	0.880	0.220	0.220	0.220	0.220	0.220	0 / N/A
Hejaz Financial Services	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Heritage	0.715	0.165	0.165	0.220	0.275	0.275	0.275
Homestart (SA only)	0.550	0.165	0.165	0.165	0.165	0.165	0.165
HSBC	0.770	0.165	0.165	0.165	0.165	0.165	0.165
Hume Bank	0.660	0.165	0.165	0.165	0.165	0.165	0.165
ING	0.7975	0.165	0.165	0.165	0.220	0.220	0.220
Keystart (WA only)	0.715	0.110	0.110	0.110	0.110	0.110	0.110
La Trobe	0.550	0.275	0.275	0.275	0.275	0.275	0.275
Liberty AAA Products <=80% LVR	0.77	0.220	0.220	0.220	0.220	0.220	0.220
Liberty AAA Products >80% LVR	0.66	0.220	0.220	0.220	0.220	0.220	0.220
Liberty Non-AAA and Private	1.100	0.550	0.550	0.550	0.550	0.550	0.550
Macquarie	0.715	0.165	0.165	0.165	0.165	0.165	0.165
ME	0.715	0.165	0.165	0.165	0.165	0.165	0.165
MA Money	0.715	0.165	0.165	0.165	0.165	0.165	0.165
MyState	0.715	0.187	0.187	0.187	0.187	0.187	0.187
NAB	0.715	0.165	0.165	0.220	0.275	0.330	0.330
Newcastle Permanent	0.605	0.198	0.198	0.198	0.198	0.198	0.198
Peoples Choice	0.715	0.165	0.275	0.275	0.275	0.275	0.275
Pepper	0.715	0.165	0.165	0.198	0.198	0.198	0.198
P&N Bank (WA only)	0.715	0.165	0.165	0.165	0.165	0.165	0.165
QBank	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Queensland Country Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
RedZed	0.770	0.165	0.165	0.165	0.165	0.165	0.165
Resimac	0.825	0.220	0.220	0.220	0.220	0.220	0.220
St George	0.715	0.165	0.165	0.165	0.165	0.165	0.165
Suncorp	0.715	0.165	0.165	0.165	0.275	0.275	0.275
Teachers Mutual Bank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
ubank	0.693	0.165	0.165	0.165	0.165	0.165	0.165
UniBank	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Virgin Money	0.660	0.220	0.220	0.220	0.220	0.220	0.220
Westpac	0.715	0.165	0.165	0.165	0.165	0.165	0.165

Suncorp Bank is closed to new home-loan applications, including new broker applications. Its row remains relevant to existing loans, where trail continues under the applicable commission agreement.

HSBC has agreed to sell its Australian home-loan and personal-loan portfolio to Blackstone. Pepper Money will service the portfolio after completion, subject to regulatory approval. The HSBC row does not establish commission terms after that transfer.

AFG Aggregator Fees

The AFG fee schedule summarised below separates monthly charges from quarterly marketing charges. Your total depends on the services in your member agreement and the optional marketing programmes you choose.

Fee Item	Amount and Billing Period	What It Covers	Application
Compliance fee	$180 per month	Compliance support	Member agreement determines the applicable charge.
Credit check fee (Veda)	Depends on credit-check volume	Credit checks	Number of checks determines the total.
Professional indemnity (PI) insurance	$137.50 per month	Professional indemnity insurance	Brokerage cover requirements determine the applicable premium.
SMART Core programme	$155 per month	Marketing to the residential client database	Optional marketing programme.
Haven programme	$45 per quarter	Additional quarterly marketing	Optional addition to SMART Core.
Business SMART add-on	$55 per month	Marketing to small and medium businesses and lead generation	Optional add-on.
Commercial SMART add-on	$55 per month	Marketing to active commercial clients	Optional add-on.

Keep Haven’s quarterly billing separate when budgeting. With SMART Core and Haven selected, the listed charges total $200 in the quarter’s Haven billing month and $155 in each other month. Business SMART and Commercial SMART each add $55 per month when selected.

Apply the GST treatment in your AFG agreement and invoices consistently when comparing fees with commission income. Include only the optional services you intend to use.

How to Read These AFG Rates

These rates describe lender commissions paid through AFG before your own agreement determines the amount you retain. A headline upfront rate alone does not tell you your net pay.

AFG’s public website lists no standard commission split. Your member agreement sets the share of each lender payment you keep. Apply that split to the lender payment, then account for the fees that apply to your brokerage. For trail, use the column for the loan’s age and the lender’s eligible balance and payment rules.

For example, the ANZ row lists trail of 0.165% in years one to three and 0.220% from year four. A broker modelling that loan must use the matching year’s rate before applying their own split.

About AFG covers membership, Suite360 and licensing. Use the aggregator fee guide for fee-model comparisons, or compare AFG and Connective side by side.