AFG Fees & Commission Rates Schedule [For 2025]

Understanding how your aggregator fees and commissions are structured is key to maximising your earnings and making sure you get the best deal possible as a broker.

AFG is one of the top aggregators in Australia, and their fees & commission model is structured to be competitive, transparent, and fairly compensate mortgage brokers for their expertise.

Whether you’re new to the industry or a seasoned professional, knowing the ins and outs of your commission structure can make a significant difference to your income.

Let’s break down AFG’s fees and commission rate schedule to help you choose the right mortgage aggregator and make sure you are fairly compensated for your work.

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AFG Commission Rate Schedule Table

LenderUpfront (%)Trail Y1 (%)Trail Y2 (%)Trail Y3 (%)Trail Y4 (%)Trail Y5 (%)Trail Y6+ (%)
AFG Home Loans – Align0.6600.2200.2200.2200.2200.2200.220
AFG Home Loans – Alpha0.7150.1650.1650.1650.1650.1650.165
AFG Home Loans – Bright0.7150.1650.1650.1650.1650.1650.165
AFG Home Loans – Edge0.7150.1650.1650.1650.1650.1650.165
AFG Home Loans – Link0.7150.1650.1650.1650.1650.1650.165
AFG Home Loans – Options0.7150.1650.1650.1980.1980.1980.198
AFG Home Loans – Retro0.7150.1650.1650.1650.1650.1650.165
AMP0.7150.1870.1870.1870.1870.1870.187
ANZ0.7150.1650.1650.1650.2200.2200.220
Australian Military Bank0.6600.2200.2200.2200.2200.2200.220
Auswide Bank0.6600.2200.2200.2200.2200.2200.220
Bank Australia0.6600.1650.1650.1650.1650.1650.165
Bank of China0.7150.1650.1650.1650.1650.1650.165
Bank of Melbourne0.7150.1650.1650.1650.1650.1650.165
Bank of Queensland (BOQ)0.7150.1650.1650.1650.2200.2420.242
Bank of Sydney0.7150.1650.1650.1650.1650.1650.165
Bank SA0.7150.1650.1650.1650.1650.1650.165
Bankwest0.7150.1650.1650.1650.1650.1650.165
BCU0.7150.1650.1650.1650.1650.1650.165
Better Mortgage Management0.6600.1650.1650.1650.1650.1650.165
Beyond Bank0.7150.1650.1650.1650.1650.1650.165
Bluestone0.8800.1650.1650.1650.1650.1650.165
Commonwealth Bank (CBA)0.7150.1650.1650.1650.2200.2200.220
Credit Union SA0.6600.1650.1650.2200.2200.2200.220
Firefighters Mutual Bank0.6600.2200.2200.2200.2200.2200.220
Firstmac0.6600.1650.1650.1650.1650.1650.165
GMCU0.7150.1650.1650.1650.1650.1650.165
Granite Home Loans0.7150.1650.1650.1650.1650.1650.165
Great Southern Bank0.7150.1650.1650.1650.1650.1650.165
Health Professionals Bank0.6600.2200.2200.2200.2200.2200.220
Heartland Reverse Mortgages0.8800.2200.2200.2200.2200.2200 / N/A
Hejaz Financial Services0.6600.2200.2200.2200.2200.2200.220
Heritage0.7150.1650.1650.2200.2750.2750.275
Homestart (SA only)0.5500.1650.1650.1650.1650.1650.165
HSBC0.7700.1650.1650.1650.1650.1650.165
Hume Bank0.6600.1650.1650.1650.1650.1650.165
ING0.79750.1650.1650.1650.2200.2200.220
Keystart (WA only)0.7150.1100.1100.1100.1100.1100.110
La Trobe0.5500.2750.2750.2750.2750.2750.275
Liberty AAA Products <=80% LVR0.770.2200.2200.2200.2200.2200.220
Liberty AAA Products >80% LVR0.660.2200.2200.2200.2200.2200.220
Liberty Non-AAA and Private1.1000.5500.5500.5500.5500.5500.550
Macquarie0.7150.1650.1650.1650.1650.1650.165
ME0.7150.1650.1650.1650.1650.1650.165
MA Money0.7150.1650.1650.1650.1650.1650.165
MyState0.7150.1870.1870.1870.1870.1870.187
NAB0.7150.1650.1650.2200.2750.3300.330
Newcastle Permanent0.6050.1980.1980.1980.1980.1980.198
Peoples Choice0.7150.1650.2750.2750.2750.2750.275
Pepper0.7150.1650.1650.1980.1980.1980.198
P&N Bank (WA only)0.7150.1650.1650.1650.1650.1650.165
QBank0.7150.1650.1650.1650.1650.1650.165
Queensland Country Bank0.6600.2200.2200.2200.2200.2200.220
RedZed0.7700.1650.1650.1650.1650.1650.165
Resimac0.8250.2200.2200.2200.2200.2200.220
St George0.7150.1650.1650.1650.1650.1650.165
Suncorp0.7150.1650.1650.1650.2750.2750.275
Teachers Mutual Bank0.6600.2200.2200.2200.2200.2200.220
UBank0.6930.1650.1650.1650.1650.1650.165
UniBank0.6600.2200.2200.2200.2200.2200.220
Virgin Money0.6600.2200.2200.2200.2200.2200.220
Westpac0.7150.1650.1650.1650.1650.1650.165

AFG Aggregator Fees

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AFG offers a range of fee categories to support your business needs:

  • Compliance Fee: $180 per month for compliance support.
  • Veda Fee: Varies based on the number of credit checks performed.
  • PI Insurance: $137.50 per month for professional indemnity insurance (may vary depending on your brokerage firm’s needs)
  • SMART Core Program: $155 per month for comprehensive marketing to your residential database.
  • Haven Program: $45 per quarter for additional marketing services, added to the SMART Core Program fee once per quarter.
  • Business SMART Add-On: $55 additional per month for marketing to SME clients and lead generation.
  • Commercial SMART Add-On: $55 additional per month for marketing to active commercial customers.

Many of these fees are optional add-ons, so your total monthly fee will depend on your specific business requirements and marketing strategies.

Using a tool like Track My Trail can help you analyse your expenses and decide which options are most beneficial for your business.

Fee CategoryCost [per month]DescriptionNotes
Compliance Fee$180Compliance fee invoice.Fixed monthly fee
Veda FeeVariesCredit check fee.Final fee depends on the number of checks performed each month.
PI Insurance$137.50Market to your SME clients and generate leads from your residential database.Fixed monthly fee. This may vary depending on your brokerage.
SMART Core Program$155Marketing to your residential database.Optional Add on. Fixed monthly fee.
Haven Program$45 [per quarter]Quarterly fee for additional marketing services.Optional Add-on. Added to the SMART Core Program fee once per quarter, making the monthly fee $200 for that month.
Business SMART$55Market to your SME clients and generate leads from your residential database.Optional Add-on. Fixed monthly fee.
Commercial SMART$55Marketing to your active commercial customers with deals written in Flex.Optional Add-on. Fixed monthly fee.

While reasonable steps have been taken in the preparation of this summary information, there is a possibility of errors and information should be verified with the aggregator and lender.

If you think any of AFG’s fees, upfront, or trail commissions might be incorrect, please contact us and let us know.

Track My Trail Team

The Track My Trail Team develops software to simplify trail book management for mortgage brokers. Their tools provide fast and practical insights to help brokers get the most out of their trail books.