Mortgage broker flyers work best with one borrower need, a clear contact action and enough space for the disclosures your claims require. For Australian brokers planning a letterbox drop or counter display, start with the legal requirements before arranging the page.
Choose one audience and one service, then design a print proof you can read and scan. Give each drop its own response path so you can compare enquiries with the cost of reaching those households.
The Legal Must-Haves on Every Flyer
Your flyer must describe your service accurately and give conditions enough prominence to prevent a misleading impression. The Australian Securities and Investments Commission (ASIC) explains this in RG 234: Advertising financial products and services (including credit). Fine print cannot repair a misleading headline.
For a home-loan advertisement containing an annual percentage rate, section 160 of the National Credit Code, Schedule 1 of the National Consumer Credit Protection Act 2009, requires the relevant comparison rate. Put it beside the advertised rate, label it clearly and make it at least as prominent as the interest rate and any repayment amount.
State the product name, example loan amount and term used for the comparison rate. Sections 162 to 164 also require an accompanying warning. Use the prescribed short or long statement in regulation 99 of the National Consumer Credit Protection Regulations 2010, in print on the flyer.
The short warning explains that the rate applies only to its examples and can exclude fees and charges. Different terms, fees or loan amounts can produce a different comparison rate. Include the full prescribed wording, even when you use a QR code for further information.
Distribution rules depend on the channel. Australian Communications and Media Authority guidance on spam requires consent, sender contact details and an unsubscribe method for commercial email and SMS. Keep a record of the consent you rely on when sending clients an electronic version.
For businesses covered by the Privacy Act, Australian Privacy Principle 7 on direct marketing can apply when personal information selects recipients for a mail-out. Provide the required opt-out and honour requests. A general letterbox drop that does not target people using personal information is different from a client-list mailing.
Claims That Get Brokers Into Trouble
A lowest-rate headline needs evidence supporting the comparison readers will understand from it. Claims such as “lowest rates in town” or “best home loan” imply a broad comparison that a limited lender panel cannot establish by itself.
Keep evidence for each measurable claim, including the source and the date it supported the claim. Put eligibility conditions beside the claim they qualify. When a rate or offer changes, review the stock still waiting for distribution.
A safer flyer explains who you help, which suburbs you cover, how your process works and how someone can contact you. An illustrative first-home buyer headline is “Understand Your First Home Loan Options”. Follow it with the actual service you provide, without promising approval or a saving.
A One-Page Flyer Layout
Build your one-page flyer around one audience and one next action. Separate a first-home buyer flyer from a business-owner flyer so each reader sees a relevant service explanation.
- Choose one borrower need for the headline. For example, explain the next step for a first-home buyer who wants to understand borrowing options.
- Add a short service explanation. Say who you help, the suburbs you cover and what happens during the first conversation.
- Place each important condition beside its claim. If you advertise a rate, reserve space for the comparison rate and required disclosures before adding images.
- Name the broker and give a contact route. Make the phone number readable and explain what the QR code opens.
- Add your Australian credit licence (ACL) details or authorised credit representative (ACR) details, as applicable. Use the identity wording your licensee approves.
If your aggregator supplies approved material, use the approved version and its conditions. Have any changes to claims or branding reviewed through your licensee's process before printing.
Design and Print Basics
Match the flyer's logo, fonts and colours to your mortgage broker brand guidelines. Give the headline a single benefit and make the contact action easy to find at a normal reading distance.
A5 is a practical choice for letterbox drops. A4 gives a counter display more room for a service explanation and disclosures. Australian supplier Same Day Printing lists A5 and A4 flyer formats, including A4 at 210 by 297 millimetres. Space Print lists A5 at 148 by 210 millimetres.
Choose paper weight and finish for how people will receive the flyer. For example, Space Print's A5 specifications include 150gsm matte stock, one practical option for a handout. A counter display may need a holder or heavier stock to stay upright.
Print a proof at the finished size. Check the smallest disclosure text, the contact details and the QR code on the chosen paper. If the copy only fits after the text becomes difficult to read, shorten the message or increase the format.
For a joint piece with a real estate agency, agree who approves it and identify who provides the credit service. Apply your co-branding arrangements for joint agency flyers before placing both logos.
QR Codes and Measuring Each Drop
Send the QR code to the exact service page named on the flyer. A first-home buyer flyer must open the relevant first-home buyer page, where the reader can take the contact action you promised.
Give each campaign a unique destination or tracking URL. Print a readable web address beside the code as a backup. Scan the finished proof with more than one phone and confirm that the correct page opens and its enquiry form works.
If the code fails, check the printed size, contrast and clear space around it. Generate a fresh proof after changing the artwork. If the destination opens the homepage instead of the advertised service, correct the destination before distribution.
Use a distinct phone number, email address or landing page per drop and record the printing and distribution cost. Count actual enquiries separately from scans, then divide the total cost by the number of enquiries.
For an illustrative campaign costing $600 with 12 enquiries, the cost per enquiry is $50. Record qualified enquiries and resulting appointments too, so a high scan count does not conceal poor responses.
Compare the same outcomes with search marketing and email marketing before allocating the next campaign's budget. For addressed letters or postcards, use the separate guidance on direct mail campaigns and their tests.
Check the Flyer Before Every Print Run
Approve the final print proof only after these checks pass. Repeat them for each reprint, even when the design stays the same.
- Every advertised interest rate has its relevant comparison rate beside it, with the required prominence, calculation basis and full prescribed warning.
- Claims have supporting evidence with a recorded date, and their conditions remain readable beside them.
- The broker's identity and applicable licence or credit representative details are correct.
- Electronic distribution has accurate sender details and a working unsubscribe method. The consent relied on for contacted clients is recorded.
- Client-list mailings meet applicable privacy and opt-out requirements.
- The printed QR code opens the promised service page, the written backup address works and the response path identifies this campaign.
Keep the approved artwork, evidence and distribution record together. Release the print run once the proof is readable, its response path works and the required approval is recorded.
