Vow Financial (YBR Aggregator) 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.

Vow Financial (now YBR Aggregation) 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 Vow Financial’s fees and commission rate schedule to help you choose the right mortgage aggregator and make sure you are fairly compensated for your work.

Vow Financial Commission Rate Schedule Table

Lender	Upfront (%)	Trail (%)	Notes
86400	0.693	0.165
Adelaide Bank (Residential)	0.77	0.165	These rates are the maximum rate
Adelaide Bank (Commercial)	0.66	0.275
AMP Banking	0.66	0.187	These rates are the maximum rate
ANZ Bank	0.715	0.22	These rates are the maximum rate
ANZ Bank – Commercial	0.50	0.20	These rates are the maximum rate
ANZ Personal Loans	1.65	Nil
Auswide Bank (formally Widebay)	0.66	0.20
Australian Military Bank	0.66	0.22	These rates are the maximum rate
Bank Australia	0.66	0.165
Bank of China	0.715	0.165
Bank of Queensland	0.715	0.242	These rates are the maximum rate
Bank of Queensland – commercial	0.605	0.275	These rates are the maximum rate
Bank of Sydney	0.715	0.22
Bank of Sydney – commercial	0.55	0.25	These rates are the maximum rate
BankWest	0.715	0.22
BankWest – Commercial	0.55	0.275	These rates are the maximum rate
Bendigo Bank – SmartSuite	0.66	0.275
Bendigo Bank – Commercial Finance	0.605	0.275	These rates are the maximum rate
Bendigo Bank – Equipment Finance	3.30	Varies	These rates are the maximum rate
Bendigo Bank – Consumer Finance	0.715	0.165
Beyond Bank	0.715	0.165
Bluestone	0.715	0.165
Brighten Home Loans	0.75	0.15	These rates are the maximum rate
Citibank	0.715	0.165	These rates are the maximum rate
Commonwealth Bank (CBA)	0.715	0.22	These rates are the maximum rate
Commonwealth Bank (CBA) – Commercial	0.55	0.275	These rates are the maximum rate
Commonwealth Bank (CBA) – Commercial Connect Program	Varies	Nil
Deposit Assure	25	Nil	These rates are the maximum rate
Deposit Power	25	Nil
Firstmac	0.66	0.165
Gateway	0.715	0.22	These rates are the maximum rate
Granite Home Loans Pty Ltd	0.66	0.165
Heartland Seniors Finance	1.00	0.22	These rates are the maximum rate
Heritage	0.715	0.275	These rates are the maximum rate
IMB – Commercial	0.55	0.22	These rates are the maximum rate
ING – Commercial	0.605	0.275	These rates are the maximum rate
ING Direct	0.7975	0.22	These rates are the maximum rate
Judo – Commercial	0.60	0.30
Judo – Residential	0.715	0.165
Keystart Loans – WA Only	0.55	0.11
Latitude Financial	2.25	Nil	These rates are the maximum rate
LaTrobe Financial (Residential)	0.55	0.275
LaTrobe Financial (Commercial)	0.55	0.275
Liberty – Commercial	2.20	0.55	These rates are the maximum rate
Liberty Home Loans	1.10	0.55	These rates are the maximum rate
Liberty Asset Finance – Drive	4.40	Nil	These rates are the maximum rate
Loan Avenue	0.66	0.165	These rates are the maximum rate
Loans Today	Varies	Varies
MA Money	0.88	0.22	These rates are the maximum rate
Macquarie – Leasing	Varies	Nil
Macquarie Bank	0.715	0.165
Macquarie Commercial	0.55	0.275	These rates are the maximum rate
ME Bank	0.715	0.165
MedFin	0.55	0.20
Merchant Mortgages	100% of acceptance fee	100% of annual margin
Money Place	1.50	Nil
Moneytech	Varies	Varies	Refer to Vow Commission Policy Document
Mortgage Ezy	0.75	0.20	These rates are the maximum rate
My State / The Rock	0.715	0.187	These rates are the maximum rate
NAB Broker	0.715	0.33	These rates are the maximum rate
National Australia Bank – Commercial	Varies	Varies	Refer to NAB Broker Product Schedule
National Australia Bank – Equipment Finance	3.30	Nil	These rates are the maximum rate
Oak Capital	As agreed	As agreed	As agreed with broker prior to formal approval
One 26	0.715	0.165
Orde Financial	0.55	0.275
OzForex	20	Nil
P&N Bank	0.715	0.22	These rates are the maximum rate
Paramount	1.10	0.22	These rates are the maximum rate
Pepper Money – Residential	0.715	0.165
Pepper Money – Commercial	0.66	0.22
Pepper Asset Finance	Varies	Nil
Plenti (Personal Loans)	1.00	Nil
Prime Capital	0.20	0.20
Prospa	0.50	Nil	These rates are the maximum rate
RedZed Residential	0.77	0.165
RedZed Commercial	0.77	0.165
Resi Mortgage Corporation	0.715	0.165
Resimac	0.825	0.22	These rates are the maximum rate
Scottish Pacific	0.50	0.250
St George Bank & BankSA & Bank of Melbourne	0.715	0.165	These rates are the maximum rate
St George Bank & BankSA – Commercial	0.605	0.275	Upfront: (up to $3mil) – 0.605% (above $3mil) – 50% establishment fee
Suncorp – Commercial & Agribusiness	0.550	0.275	These rates are the maximum rate
Suncorp – Residential & Small Business	0.715	0.22	These rates are the maximum rate
Teachers Mutual Bank	0.66	0.22
Think Tank – Commercial	1.10	0.55	These rates are the maximum rate
Think Tank – Residential	0.66	Nil
Valiant	0.77	Nil	Upfront may vary subject to approval
Vero Insurance	20	up to 20	These rates are the maximum rate
Victorian Mortgage Management Group	0.66	0.275
Virgin Money	0.66	0.22	These rates are the maximum rate
Vow Leasing	Varies	Nil
Vow Wealth Management – Advice & Risk Insurance	30*	Nil	*30% of upfront received by Vow Wealth
Westpac	0.715	0.165	These rates are the maximum rate
Westpac – Commercial	0.55	0.25	Upfront: ≤ $3m 0.55% $3m 55% Establishment Fee Trail is the maximum rate
Westpac – Equipment Finance	4.40	Nil	These rates are the maximum rate