There is no single mortgage broker commission rate across Australia in 2026. Upfront and trail rates vary by lender, product and aggregator agreement, so the current commission schedule is the source for an exact figure.
A mortgage broker should compare the gross lender payment with aggregator deductions, clawback rules and operating costs. Commission must not override the broker’s duty to prioritise the consumer’s interests.
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Upfront And Trail Commission
upfront commissions are generally linked to a settled loan. trail commissions may continue while the loan remains eligible. The related overview of how brokers are paid: explains the payment structure without treating one schedule as universal.
What The Aggregator Changes
An aggregator agreement can change the amount passed to the brokerage through its split, membership cost or service package. Compare the commercial terms and support when reviewing the best aggregators for mortgage brokers in Australia.
Provider-specific pages such as AFG commission rates, Connective commission rates, LMG commission rates, Finsure aggregator fees, Vow Financial commission rates and YBR Aggregation can provide context. Confirm every current figure in the signed agreement before using it in a forecast.
Model Net Revenue
A trail commission calculator can model a book, but its inputs must match the applicable schedule. Allow for different loan types, discharge behaviour and possible clawback.
Keep Client And Commercial Decisions Separate
Good client relationships depend on clear disclosure. Explain remuneration and conflicts to build trust. Product selection should reflect the client’s needs, including the interest rate and product costs, rather than the commission outcome.
The housing market can affect volumes and runoff, but it does not set a standard commission. Record the schedule that applied at loan settlement and reconcile later payments against it.
