Lender Policy: Broker Pay and Credit Guides

A payout, refinance, top-up or split can change broker pay and the borrower’s credit assessment in different ways. A payout closes debt and can end trail. A refinance replaces lending and can trigger a clawback on the discharged loan. A top-up adds borrowing, while a split changes the loan’s account structure. Each event needs its own commission treatment and credit decision.

Every lender guide starts with five broker-pay topics in this order:

1. Upfront pay and trail.
2. Clawbacks.
3. Refinance events.
4. Top-ups.
5. Loan splits.

Income, residency and security rules follow those sections. Start with the guide for the loan’s actual lender or funding line. Use the mortgage broker commission rate schedules to locate the aggregator schedule behind a payment calculation.

Choose the lender named in the loan documents, then distinguish new business from an existing-loan variation. The 46 guides below are grouped by lender family. Each entry also links to portal help, where you can resolve accreditation or access questions.

Major Banks and Their Brands

St.George’s guide also covers Bank of Melbourne and BankSA. Those brand names still identify the loan’s channel, so keep the originating brand on your file.

• ANZ policy guide - ANZ broker pay and credit checks, with a separate route for inherited Suncorp Bank loans. ANZ broker portal.
• Commonwealth Bank policy guide - Commonwealth Bank loan events and the commission terms behind the CommBroker channel. CommBroker portal.
• NAB policy guide - NAB lending and inherited Advantedge, white-label and former Citi facilities. NAB broker portal.
• Westpac policy guide - Westpac broker pay and credit assessment for new lending and changes to existing loans. Westpac BrokerHub.
• St.George policy guide - St.George, Bank of Melbourne and BankSA file checks, keeping each loan’s brand clear. Bank of Melbourne broker portal.
• Bankwest policy guide - Bankwest’s broker channel, separate from Commonwealth Bank’s loan and payment rules. Bankwest broker portal.
• ubank policy guide - ubank broker lending, distinguished from NAB-branded facilities. ubank broker portal.

Other Banks

ME Bank’s guide covers BOQ and Virgin Money as well as ME. BOQ and Virgin Money’s legacy broker channels have different availability from ME’s new-business channel.

Bendigo Bank’s guide includes Adelaide Bank loans. Bendigo Bank is the new-business broker proposition following retirement of the Adelaide Bank brand.

• AMP Bank policy guide - AMP Bank loan events and broker remuneration for the relevant product. AMP broker portal.
• Auswide Bank policy guide - Auswide-branded facilities and the broker channel within MyState Bank. Auswide broker portal.
• Bank of Sydney policy guide - Bank of Sydney lending, with the borrower and security evidence kept beside the pay check. Bank of Sydney broker portal.
• Bendigo Bank policy guide - Bendigo broker lending and inherited Adelaide Bank loan servicing. Bendigo broker portal.
• ING policy guide - ING’s broker pay rules and credit treatment for the proposed loan event. ING broker portal.
• Macquarie policy guide - Macquarie home-loan assessment and the payment consequences of changing a facility. Macquarie broker portal.
• ME Bank policy guide - ME new business plus BOQ and Virgin Money existing-loan channels, retaining the original product identity. ME broker portal.

Mutual and Customer-Owned Banks

Bank Australia’s guide covers Qudos Bank. New Qudos customers use Bank Australia products, while existing Qudos customers retain their own variation process.

Teachers Mutual Bank’s guide includes UniBank and its sister brands, including Health Professionals Bank and Firefighters Mutual Bank. P&N Bank’s guide covers BCU Bank. People First Bank’s guide covers Heritage and People’s Choice. A shared group does not make every legacy product or assessment process identical.

• Australian Military Bank policy guide - Military-bank facilities and their broker-channel loan changes. Australian Military Bank broker portal.
• Bank Australia policy guide - Bank Australia new lending and the separate process for existing Qudos Bank loans. Bank Australia broker portal.
• Bank First policy guide - Bank First loan events, borrower evidence and broker pay checks. Bank First broker portal.
• Beyond Bank policy guide - Beyond Bank’s member-owned lending and its broker channel. Beyond Bank broker portal.
• Great Southern Bank policy guide - Great Southern Bank facilities and the terms for the specific broker-introduced loan. Great Southern Bank broker portal.
• Hume Bank policy guide - Hume Bank lending and the treatment of changes to its home loans. Hume Bank broker portal.
• IMB policy guide - IMB loan-event checks before assessing income and security. IMB broker portal.
• MOVE Bank policy guide - MOVE Bank facilities and broker pay for the proposed transaction. MOVE Bank broker portal.
• Newcastle Permanent policy guide - Newcastle Permanent products, keeping its channel distinct from other group brands. Newcastle Permanent broker portal.
• P&N Bank policy guide - P&N Bank and BCU Bank facilities, with the original brand retained for servicing. P&N Bank broker portal.
• People First Bank policy guide - People First Bank lending and existing Heritage and People’s Choice loans. Heritage broker portal.
• Regional Australia Bank policy guide - Regional Australia Bank’s broker channel and loan-change assessment. Regional Australia Bank broker portal.
• Teachers Mutual Bank policy guide - Teachers Mutual Bank, UniBank and sister-brand loan events. Teachers Mutual Bank broker portal.

Non-Bank Lenders

Choose the funding line as well as the lender name for a non-bank facility. The guide for a specialist loan follows that facility’s pay and credit rules. HomeStart is included here as a government-backed South Australian lender outside the bank groups.

• Athena policy guide - Athena facilities and the channel used to originate or change the loan. Athena broker portal.
• Better Choice policy guide - Better Choice products, with the funding line identified before comparing terms. Better Choice broker portal.
• Bluebay Home Loans policy guide - Bluebay facilities and the product-specific route for the proposed transaction. Bluebay broker portal.
• Bluestone policy guide - Bluestone lending and the income or credit-history evidence for its assessment. Bluestone broker portal.
• Brighten policy guide - Brighten’s residential and specialist product lines, including expatriate and non-resident scenarios. Brighten broker portal.
• Firstmac policy guide - Firstmac loan-event checks and broker remuneration through its lending channel. Firstmac broker portal.
• Granite Home Loans policy guide - Granite facilities and their funding-line assessment. Granite broker portal.
• HomeStart policy guide - HomeStart’s South Australian lending and its distinct repayment structure. HomeStart broker portal.
• La Trobe Financial policy guide - La Trobe Financial credit products and the relevant loan-change process. La Trobe Financial broker portal.
• Liberty policy guide - Liberty facilities and the evidence for the selected residential or specialist loan. Liberty broker portal.
• MA Money policy guide - MA Money’s product and funding-line checks before applying a payment or credit rule. MA Money broker portal.
• Mortgage Ezy policy guide - Mortgage Ezy facilities, keeping the product and funder together on the file. Mortgage Ezy broker portal.
• Pepper Money policy guide - Pepper Money’s lending channel, kept separate from servicing an inherited HSBC loan. Pepper Money broker portal.
• RedZed policy guide - RedZed’s self-employed lending and its residential or commercial facility terms. RedZed broker portal.
• Resimac policy guide - Resimac facilities and the rules for the particular product or loan event. Resimac broker portal.
• Victorian Mortgage Group policy guide - Victorian Mortgage Group facilities and their broker-channel assessment. Victorian Mortgage Group broker portal.
• WLTH policy guide - WLTH lending, with the facility type recorded before assessing a variation or refinance. WLTH broker portal.

Aggregator White-Label Lines

A white-label name can cover different funders and products. Match the loan’s funding line to its own terms, including any inherited Advantedge facility.

• AFG Home Loans policy guide - AFG Home Loans products, with each line distinguished from inherited AFG Edge lending. AFG broker portal.
• Connective Home Loans policy guide - Connective’s product lines, including the separate servicing route for inherited Essentials facilities. Broker portal directory.

For Keystart, use the Western Australian government home-loan explainer. Its eligibility and loan structure have their own guide outside these 46 lender-policy pages.

Route an existing loan by its original brand and migration status. A servicing channel handles an inherited facility. It does not establish availability for a new borrower.

Original Brand or Channel	Guide for Existing Loans	Channel Treatment
HSBC	HSBC mortgage portal	Closed to new applications. HSBC remains the contact until the proposed servicing transfer completes.
Suncorp Bank	ANZ guide	Closed to new lending applications. Existing loans follow the Suncorp-to-ANZ transition.
Advantedge	NAB guide	Closed to new business. Existing facilities are moving to NAB Tailored Home Loans.
GO Edge	NAB guide	Inherited Advantedge facility, closed to new business under that line.
Choicelend	NAB guide	Existing-loan servicing route for the inherited Advantedge facility.
MyLoan Elect	NAB guide	Inherited Advantedge facility, closed to new business under that line.
Former Citi home loans	NAB guide	Existing-loan servicing through NAB, keeping the former product identity.
Heritage	People First Bank guide	Inherited-brand servicing. Use the loan’s existing Heritage channel for changes.
People’s Choice	People First Bank guide	Inherited-brand servicing. Keep the original product and channel on the file.
Qudos Bank	Bank Australia guide	Open to existing customers only. New customers use Bank Australia lending.
Adelaide Bank	Bendigo Bank guide	Retired new-business brand. Existing facilities retain their servicing route.
BOQ	ME Bank guide	Open to existing customers only through the legacy broker channel, including new lending for those customers.
Virgin Money	ME Bank guide	Legacy broker channel closed to new customers. Keep Reward Me loans distinct from the bank’s other products.

HSBC’s home-loan notice confirms the closure. Its transfer notice names Pepper Money as the proposed servicer after completion. That servicing arrangement does not turn an HSBC loan into a new Pepper Money product.

The Advantedge broker migration notice sets out the move to NAB and the restrictions during transition. For channel changes, use BOQ’s broker notice and Qudos Bank’s broker support instructions. Bendigo Bank’s broker-channel announcement explains the Adelaide Bank brand’s retirement.

Use a scenario guide when you need to compare one rule across lenders. Keep the lender guide open for the commission treatment and the final product-specific assessment.

• Home-loan top-ups - Does the proposed increase need a new assessment, and how does it change the existing facility?
• LMI waivers - Does the borrower or profession qualify for a lenders mortgage insurance waiver under the proposed product?
• Contractor home loans - Which contract income and employment evidence can support the file?
• Trust and company home loans - Which borrower entity, guarantees and documents belong in the application?
• Lenders mortgage insurance in Australia - What does LMI cover, and how does it affect the proposed loan structure?
• Income and employment history - Which employment history and income records explain the borrower’s position?

Record the loan event and the actual channel before requesting an exception. A short file note needs the following details:

• The original lender and brand, the product name and the funding line.
• Whether the request is a payout, external refinance, internal refinance, top-up or split.
• The existing balance, proposed lending, settlement history and relevant account numbers.
• The broker-pay schedule, the commission question and any expected clawback exposure.
• Income evidence, residency and security details, plus the policy clause that needs an exception.
• The proposed outcome and the supporting documents that address the exception.

Use the aggregator CRM guides to find the platform holding the file and policy documents. Use the broker portal directory for lender access.

Obtain the exception decision in writing and keep it with the evidence submitted. Record who approved it, the facility it applies to and every condition. A credit exception answers the credit question. Record any separate commission decision against the same loan event.