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.

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Connective Commission Rate Schedule Table

LenderTypeUpfront (%)Trail (%)Notes
Adelaide BankResidential0.7150.165
Adelaide BankCommercial0.660.275
AMPResidential0.7150.187Affinity 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
ANZResidential0.7150.22Effective from 1 January 2019, additional commission on LVR <= 80%
ANZPersonal Loans1.650Trail not paid on ANZ Personal Loans
ANZCommercial0.550.2Trail for loans > $50k up to $15mil, nil trail for loans > $15mil
Australian Life InsuranceResidential4510Up to 45% of annualized new business premium, General Insurance: Up to 19.8%
Australian Military BankResidential0.660.22Non DHOAS Home Loans: 0.66% Upfront, 0.22% Trail; DHOAS Home Loans: 0.45% Upfront, 0.20% Trail
Auswide BankResidential0.770.2
Bank of ChinaResidential0.7150.165
Bank of MelbourneResidential0.7150.165Effective 1 September 2011
Bank of MelbourneCommercial0.6050.275Loan amounts $250,001 to $2,500,000
Bank of Queensland (BOQ)Residential0.7150.242Trail varies based on years
Bank of Queensland (BOQ)Commercial0.6050.33Upfront and trail vary based on loan amount
Bank SAResidential0.7150.165Effective 1 September 2011
Bank SACommercial0.6050.275Loan amounts $250,001 to $2,500,000
BankwestResidential0.770.22Trail varies based on years
BankwestCommercial0.550.275Upfront varies based on loan amount
Better Choice CommercialCommercial0.660.275
Better Choice Home LoansResidential0.770.165
Better Mortgage ManagementResidential0.7150.22Upfront and trail vary based on lender and loan product
Better Mortgage ManagementCommercial0.660.22Upfront and trail vary based on lender and loan product
Bluebay Home LoansResidential0.770.165Upfront varies based on loan type
Bluebay Home LoansCommercial0.55
BluestoneResidential0.770.275Trail varies based on product
CitibankResidential0.7150.165
Collins Home LoansResidential0.660.22Standard Variable Product: 0.363%, Premium Variable, Line of Credit: 0.11% Trail
Commonwealth Bank (CBA)Residential0.7150.22Effective 8 May 2018
Commonwealth Bank (CBA)Commercial0.550.275Loans between $150,000 and $3 mil
Connective Advance by ThinkTankResidential0.660.275Full Doc and Lo Doc Loans: 0.22% Trail, SMSF Loans: 0.275% Trail
Connective Advance by ThinktankCommercial0.660.275Standard carded rate
Connective Essentials by AdvantedgeResidential0.770.165
Connective Select by Bendigo & Adelaide BankResidential0.7150.165
Connective Solutions by PepperResidential0.770.165Connective HL Solutions Prime: 0.77% Upfront, 0.165% Trail
Connective Solutions by PepperResidential0.660.22Connective HL Solutions Near Prime and Specialist loan products: 0.66% Upfront, 0.22% Trail
Deposit AssureResidential025% of the deposit bond premium paid
emoneyResidential0.7150.165Upfront and trail vary based on product
emoneyCommercial0.550.1
Firefighters Mutual BankResidential0.660.22
FirstMacResidential0.660.165
Gateway BankResidential0.7150.22Effective 1 September 2015
Health Professionals BankResidential0.660.22
Heritage BankResidential0.7150.275Trail varies based on years
HomeStart FinanceResidential0.550.165
iConnect Financial Essentials (by Connective Home Loans)Residential0.770.165
IMB BankCommercial0.660.275
IMB Bank ResidentialResidential0.660.275
INGResidential0.79750.22Upfront varies based on LVR
INGCommercial0.6050.22Upfront and trail vary based on loan amount
Judo CapitalCommercial0.60.3
Keystart Home LoansResidential0.550.11Effective 1 January 2015
La Trobe FinancialResidential0.550.275Upfront varies based on loan structure
La Trobe FinancialCommercial0.550.275
Latitude Financial ServicesConsumer15Personal Loans
LifebrokerResidential055% of upfront commission received
LJ Hooker Home Loan AcceleratorResidential0.8250.198
LJ Hooker Home Loan AccessResidential0.9350.275
LJ Hooker Home Loan ConnectResidential0.9350.22
LJ Hooker Home Loans 5 StarResidential0.8250.165
Loan AveResidential0.660.165Upfront and trail vary based on product
Macquarie BankResidential0.7150.165Trail varies based on settlement date
Macquarie BankCommercial0.550.33Upfront and trail vary based on loan amount
ME BankResidential0.7150.165
Merchant MortgagesCommercial0100% of the acceptance fee
MKM CapitalResidential0.70.2Upfront and trail vary based on loan product
MyStateResidential0.7150.187
MyStateCommercial0.4950.187
NABResidential0.7150.33Trail varies based on settlement date
National Australia BankCommercial00
Newcastle Permanent Building Society LimitedResidential0.6050.198
P & N BankResidential0.7150.22Upfront varies based on LVR
Paramount Mortgage ServicesResidential1.10.22Upfront and trail vary based on product
Paramount Mortgage ServicesCommercial0.550.2Upfront and trail vary based on product
Pepper MoneyResidential0.8030.22Upfront and trail vary based on product
Resimac Home LoansResidential0.7150.165Effective 1 March 2019
St George BankResidential0.7150.165Effective 1 September 2011
St George BankConsumer1.1
St George BankCommercial0.550.275Upfront varies based on loan amount
SuncorpCommercial0.550.275Upfront and trail vary based on product
Suncorp BankResidential0.7150.275Effective 17 December 2015
Teachers Mutual BankResidential0.660.22
UniBankResidential0.660.22
Virgin MoneyResidential0.660.22
WestpacResidential0.7150.165Effective 1 May 2014
WestpacLeasing0.55
WestpacCommercial0.550.25Upfront and trail vary based on loan product

Connective Aggregator Fees

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Connective has two commission schedules:

  • Connective Maximiser: Fixed commission rate of 100% plus GST, with fees of $880 per month per 5 Associates or part thereof, and $150 per associate per month.
  • Connective Variable: Variable commission rate based on settlement amounts (80%-95%) plus GST, with a flat fee of $150 per associate per month.

Connective Maximiser may be more attractive for those with larger trail books, while Connective Variable may benefit those with smaller trail books.

Using a tool like Track My Trail can help you analyse your trail book and decide which commission schedule is optimal.

Commission OptionUpfront Commission [%]Trailing Commission [%]Fees (Excl. GST)
Connective Maximiser100% of commission plus GST100% of commission plus GST(a) $880 per month per 5 Associates or part thereof.
(b) $150 per associate per month
Connective Variable80% for Settlements <=$1,000,00095% 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
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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 Connective’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.

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