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.

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Finsure Commission Rate Schedule Table

LenderUpfront (%)Trail (%)ClawbackNotes
86 4000.6930.1650-6 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%
ANZ0.6880.1650-12 months = 100%, 13-15 months = 50%, 15-18 months = 25%Trail increases to 0.22% in year 4
AMP Bank0.660.220-12 months = 100%, 13-24 months = 50%
ASCF Product A0.330.1650-12 months = 100%, 13-24 months = 50%Added to Base Upfront for LVR below 80%
Australian Military Bank0.550.1650-12 months = 100%, 13-24 months = 50%
Adelaide Bank0.770.1650-12 months = 100%, 13-24 months = 50%Increases to existing facility – Flat fee of $250
Bank of China0.7150.1650-12 months = 100%, 13-18 months = 50%
Auswide Bank0.7150.1650-12 months = 100%, 13-18 months = 50%
Bank of Sydney0.7150.1650-12 months = 100%, 13-18 months = 50%
Bank of Queensland (BOQ)0.7150.1650-12 months = 100%, 13-24 months = 50%
Bankwest0.7150.1650-12 months = 100%, 13-24 months = 50%
Better Choice Home Loans0.770.1650-12 months = 100%, 13-24 months = 50%
Bluestone0.7150.1650-12 months = 100%, 13-18 months = 50%
Citibank0.7150.1650-12 months = 100%, 13-18 months = 50%
Commonwealth Bank (CBA)0.7150.1650-12 months = 100%, 13-24 months = 50%Upfront and trail vary slightly depending on what plan you’re on.
CUA0.7150.1650-12 months = 100%, 13-24 months = 50%
Crown Lending0.700.200-12 months = 100%, 14-18 months = 50%Referrals provided by Crown paid at 0.4% upfront
Firstmac0.660.1650-12 months = 100%, 13-18 months = 50%
Granite Home Loans0.660.1650-12 months = 100%, 13-18 months = 50%
Heritage Bank0.7150.1650-12 months = 100%, 13-18 months = 50%
Homeloans Ltd0.7150.1650-12 months = 100%, 13-18 months = 50%
ING0.660.1650-12 months = 100%, 13-18 months = 50%
Judo0.7150.1650-6 months = 100%
LaTrobe0.550.2750-12 months = 100%, 13-24 months = 50%
Liberty0.550.2750-12 months = 100%, 13-24 months = 50%
ME Bank0.7150.1650-12 months = 100%, 13-18 months = 50%
Macquarie Bank0.7150.1650-12 months = 100%, 13-18 months = 50%Trail will not be payable if loan is in arrears over
2 months.
MyState0.7150.1650-12 months = 100%, 13-18 months = 50%
MKM Financial0.700.30Nil
NAB Broker0.7150.1650-12 months = 100%, 13-24 months = 50%
Orde Financial0.770.1650-12 months = 100%, 13-18 months = 50%
Paramount0.7150.1650-12 months = 100%, 13-18 months = 50%
Pepper0.7150.1650-12 months = 100%, 13-18 months = 50%
Qudos Bank0.7150.1650-12 months = 100%, 13-18 months = 50%
Resimac0.7150.1650-12 months = 100%, 13-18 months = 50%
St George (Includes BankSA and Bank of Melbourne)0.7150.1650-12 months = 100%, 13-24 months = 50%
Suncorp0.7150.1650-12 months = 100%, 13-24 months = 50%
Virgin Money Australia0.660.220-12 months = 100%, 13-24 months = 50%
Teachers Mutual Bank / UniBank / FireFighters / Health Professionals0.660.220-12 months = 100%, 13-24 months = 50%
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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 Finsure’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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