Connective Fees & Commission Rates Schedule (2026 Update)

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.

Connective is one of the top aggregators in Australia, and their fees and 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 Connective’s fees and commission rate schedule to help you choose the right mortgage aggregator and make sure you are fairly compensated for your work.

Connective Commission Rate Schedule Table

Lender	Type	Upfront (%)	Trail (%)	Notes
Adelaide Bank	Residential	0.715	0.165
Adelaide Bank	Commercial	0.66	0.275
AMP	Residential	0.715	0.187	Affinity and Select products 0.33%, LOC Facilities: 75% of net facility amount, Connective Online Lodgement Bonus 0.055%, No Upfront on AMP First Home Loan
ANZ	Residential	0.715	0.22	Effective from 1 January 2019, additional commission on LVR <= 80%
ANZ	Personal Loans	1.65	0	Trail not paid on ANZ Personal Loans
ANZ	Commercial	0.55	0.2	Trail for loans > $50k up to $15mil, nil trail for loans > $15mil
Australian Life Insurance	Residential	45	10	Up to 45% of annualized new business premium, General Insurance: Up to 19.8%
Australian Military Bank	Residential	0.66	0.22	Non DHOAS Home Loans: 0.66% Upfront, 0.22% Trail; DHOAS Home Loans: 0.45% Upfront, 0.20% Trail
Auswide Bank	Residential	0.77	0.2
Bank of China	Residential	0.715	0.165
Bank of Melbourne	Residential	0.715	0.165	Effective 1 September 2011
Bank of Melbourne	Commercial	0.605	0.275	Loan amounts $250,001 to $2,500,000
Bank of Queensland (BOQ)	Residential	0.715	0.242	Trail varies based on years
Bank of Queensland (BOQ)	Commercial	0.605	0.33	Upfront and trail vary based on loan amount
Bank SA	Residential	0.715	0.165	Effective 1 September 2011
Bank SA	Commercial	0.605	0.275	Loan amounts $250,001 to $2,500,000
Bankwest	Residential	0.77	0.22	Trail varies based on years
Bankwest	Commercial	0.55	0.275	Upfront varies based on loan amount
Better Choice Commercial	Commercial	0.66	0.275
Better Choice Home Loans	Residential	0.77	0.165
Better Mortgage Management	Residential	0.715	0.22	Upfront and trail vary based on lender and loan product
Better Mortgage Management	Commercial	0.66	0.22	Upfront and trail vary based on lender and loan product
Bluebay Home Loans	Residential	0.77	0.165	Upfront varies based on loan type
Bluebay Home Loans	Commercial	0.55
Bluestone	Residential	0.77	0.275	Trail varies based on product
Citibank	Residential	0.715	0.165
Collins Home Loans	Residential	0.66	0.22	Standard Variable Product: 0.363%, Premium Variable, Line of Credit: 0.11% Trail
Commonwealth Bank (CBA)	Residential	0.715	0.22	Effective 8 May 2018
Commonwealth Bank (CBA)	Commercial	0.55	0.275	Loans between $150,000 and $3 mil
Connective Advance by ThinkTank	Residential	0.66	0.275	Full Doc and Lo Doc Loans: 0.22% Trail, SMSF Loans: 0.275% Trail
Connective Advance by Thinktank	Commercial	0.66	0.275	Standard carded rate
Connective Essentials by Advantedge	Residential	0.77	0.165
Connective Select by Bendigo & Adelaide Bank	Residential	0.715	0.165
Connective Solutions by Pepper	Residential	0.77	0.165	Connective HL Solutions Prime: 0.77% Upfront, 0.165% Trail
Connective Solutions by Pepper	Residential	0.66	0.22	Connective HL Solutions Near Prime and Specialist loan products: 0.66% Upfront, 0.22% Trail
Deposit Assure	Residential	0		25% of the deposit bond premium paid
emoney	Residential	0.715	0.165	Upfront and trail vary based on product
emoney	Commercial	0.55	0.1
Firefighters Mutual Bank	Residential	0.66	0.22
FirstMac	Residential	0.66	0.165
Gateway Bank	Residential	0.715	0.22	Effective 1 September 2015
Health Professionals Bank	Residential	0.66	0.22
Heritage Bank	Residential	0.715	0.275	Trail varies based on years
HomeStart Finance	Residential	0.55	0.165
iConnect Financial Essentials (by Connective Home Loans)	Residential	0.77	0.165
IMB Bank	Commercial	0.66	0.275
IMB Bank Residential	Residential	0.66	0.275
ING	Residential	0.7975	0.22	Upfront varies based on LVR
ING	Commercial	0.605	0.22	Upfront and trail vary based on loan amount
Judo Capital	Commercial	0.6	0.3
Keystart Home Loans	Residential	0.55	0.11	Effective 1 January 2015
La Trobe Financial	Residential	0.55	0.275	Upfront varies based on loan structure
La Trobe Financial	Commercial	0.55	0.275
Latitude Financial Services	Consumer	15		Personal Loans
Lifebroker	Residential	0		55% of upfront commission received
LJ Hooker Home Loan Accelerator	Residential	0.825	0.198
LJ Hooker Home Loan Access	Residential	0.935	0.275
LJ Hooker Home Loan Connect	Residential	0.935	0.22
LJ Hooker Home Loans 5 Star	Residential	0.825	0.165
Loan Ave	Residential	0.66	0.165	Upfront and trail vary based on product
Macquarie Bank	Residential	0.715	0.165	Trail varies based on settlement date
Macquarie Bank	Commercial	0.55	0.33	Upfront and trail vary based on loan amount
ME Bank	Residential	0.715	0.165
Merchant Mortgages	Commercial	0		100% of the acceptance fee
MKM Capital	Residential	0.7	0.2	Upfront and trail vary based on loan product
MyState	Residential	0.715	0.187
MyState	Commercial	0.495	0.187
NAB	Residential	0.715	0.33	Trail varies based on settlement date
National Australia Bank	Commercial	0	0
Newcastle Permanent Building Society Limited	Residential	0.605	0.198
P & N Bank	Residential	0.715	0.22	Upfront varies based on LVR
Paramount Mortgage Services	Residential	1.1	0.22	Upfront and trail vary based on product
Paramount Mortgage Services	Commercial	0.55	0.2	Upfront and trail vary based on product
Pepper Money	Residential	0.803	0.22	Upfront and trail vary based on product
Resimac Home Loans	Residential	0.715	0.165	Effective 1 March 2019
St George Bank	Residential	0.715	0.165	Effective 1 September 2011
St George Bank	Consumer	1.1
St George Bank	Commercial	0.55	0.275	Upfront varies based on loan amount
Suncorp	Commercial	0.55	0.275	Upfront and trail vary based on product
Suncorp Bank	Residential	0.715	0.275	Effective 17 December 2015
Teachers Mutual Bank	Residential	0.66	0.22
UniBank	Residential	0.66	0.22
Virgin Money	Residential	0.66	0.22
Westpac	Residential	0.715	0.165	Effective 1 May 2014
Westpac	Leasing	0.55
Westpac	Commercial	0.55	0.25	Upfront and trail vary based on loan product

Connective Aggregator Fees

Commission Option	Upfront Commission [%]	Trailing Commission [%]	Fees (Excl. GST)
Connective Maximiser	100% of commission plus GST	100% of commission plus GST	(a) $880 per month per 5 Associates or part thereof. (b) $150 per associate per month
Connective Variable	80% for Settlements <=$1,000,000	95% of commission plus GST in all cases	$150 per associate per month
	85% for Settlements > $1,000,000 but less or equal to $2,000,000
	90% for Settlements > $2,000,000 but less or equal to $3,000,000
	95% for Settlement greater than $3,000,000
	Plus GST in all cases above