YBR Aggregation (Formerly Vow) Commission Rates

Vow commission rates sit under YBR Aggregation, the name Vow Financial adopted in 2024. The schedule below lists maximum upfront and trail rates by lender.

Your member agreement and the lender’s applicable schedule determine the commission paid on an individual loan. The rename itself left existing broker agreements and contracts unchanged.

YBR Aggregation Commission Rate Schedule Table

The table retains the Vow-era schedule’s 96 rows, from 86400 to Westpac Equipment Finance. Its upfront, trail and notes columns include maximum-rate conditions and commercial upfront tiers.

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. Closed to new broker applications.
Suncorp - Residential & Small Business	0.715	0.22	These rates are the maximum rate. Closed to new broker applications.
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

Suncorp’s residential and commercial rows are closed to new broker applications. Existing eligible loans can continue paying trail under Suncorp’s commission arrangements.

Vow Leasing and Vow Wealth Management remain the names used in these schedule rows. YBR Aggregation’s 2024 commission matrix also uses both names.

YBR Aggregation’s website describes leasing, equipment finance and risk-insurance referral services. Confirm the service and payment terms in your referral agreement before applying either row to a new referral.

From Vow Financial to YBR Aggregation

Vow Financial became YBR Aggregation in 2024. YBR Aggregation’s website uses the new name, while the old vow.com.au page still presents the business as Vow Financial.

That explains why older documents and searches still use Vow. Mortgage Professional Australia’s rebrand announcement states that existing broker agreements and contracts remained unchanged.

For the group, its franchise and its report formats, read the Yellow Brick Road profile.

How to Check a YBR Aggregation Rate

Check a YBR Aggregation rate against your own member agreement and the lender’s schedule for that loan. A maximum rate in this table does not guarantee the same payment for every broker or product.

1. Match the lender and product, including residential, commercial or equipment finance.
2. Read the notes beside both commission columns. Preserve any commercial loan-size tier or agreed-fee condition when comparing the payment.
3. Compare the lender’s applicable schedule with your member agreement, including deductions and the basis used to calculate commission.
4. If the payment differs, ask YBR Aggregation to explain the calculation using the loan reference, product and relevant schedule.

To compare percentage and transaction models separately from lender rates, read how mortgage broker aggregator fees work.