Finsure 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.

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

Finsure Commission Rate Schedule Table

Lender	Upfront (%)	Trail (%)	Clawback	Notes
86 400	0.693	0.165	0-6 months = 100%, 7 months = 95%, 8 months = 89%, 9 months = 84%, 10 months = 79%, 11 months = 74%, 12 months = 68%, 13 months = 63%, 14 months = 58%, 15 months = 53%, 16 months = 47%, 17 months = 42%, 18 months = 37%, 19 months = 32%, 20 months = 26%, 21 months = 21%, 22 months = 16%, 23 months = 11%, 24 months = 5%
ANZ	0.688	0.165	0-12 months = 100%, 13-15 months = 50%, 15-18 months = 25%	Trail increases to 0.22% in year 4
AMP Bank	0.66	0.22	0-12 months = 100%, 13-24 months = 50%
ASCF Product A	0.33	0.165	0-12 months = 100%, 13-24 months = 50%	Added to Base Upfront for LVR below 80%
Australian Military Bank	0.55	0.165	0-12 months = 100%, 13-24 months = 50%
Adelaide Bank	0.77	0.165	0-12 months = 100%, 13-24 months = 50%	Increases to existing facility – Flat fee of $250
Bank of China	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Auswide Bank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Bank of Sydney	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Bank of Queensland (BOQ)	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Bankwest	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Better Choice Home Loans	0.77	0.165	0-12 months = 100%, 13-24 months = 50%
Bluestone	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Citibank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Commonwealth Bank (CBA)	0.715	0.165	0-12 months = 100%, 13-24 months = 50%	Upfront and trail vary slightly depending on what plan you’re on.
CUA	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Crown Lending	0.70	0.20	0-12 months = 100%, 14-18 months = 50%	Referrals provided by Crown paid at 0.4% upfront
Firstmac	0.66	0.165	0-12 months = 100%, 13-18 months = 50%
Granite Home Loans	0.66	0.165	0-12 months = 100%, 13-18 months = 50%
Heritage Bank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Homeloans Ltd	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
ING	0.66	0.165	0-12 months = 100%, 13-18 months = 50%
Judo	0.715	0.165	0-6 months = 100%
LaTrobe	0.55	0.275	0-12 months = 100%, 13-24 months = 50%
Liberty	0.55	0.275	0-12 months = 100%, 13-24 months = 50%
ME Bank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Macquarie Bank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%	Trail will not be payable if loan is in arrears over 2 months.
MyState	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
MKM Financial	0.70	0.30	Nil
NAB Broker	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Orde Financial	0.77	0.165	0-12 months = 100%, 13-18 months = 50%
Paramount	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Pepper	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Qudos Bank	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
Resimac	0.715	0.165	0-12 months = 100%, 13-18 months = 50%
St George (Includes BankSA and Bank of Melbourne)	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Suncorp	0.715	0.165	0-12 months = 100%, 13-24 months = 50%
Virgin Money Australia	0.66	0.22	0-12 months = 100%, 13-24 months = 50%
Teachers Mutual Bank / UniBank / FireFighters / Health Professionals	0.66	0.22	0-12 months = 100%, 13-24 months = 50%