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finance-referral

Can accountants receive referral fees from mortgage brokers in Australia?

Yes. In Australia, accountants can receive referral fees from mortgage brokers when they introduce clients with lending needs, provided the arrangement is properly structured and disclosed. The key legal principle is that the accountant is making a referral — they are not providing credit advice, comparing loan products, or making lending recommendations. Those activities require …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is a no-franchise mortgage broker model in Australia?

A no-franchise mortgage broker model allows brokers to operate independently under an aggregator’s licence and lender panel without paying franchise fees, purchasing a territory, or signing a retail lease. Traditional franchise model. Under a franchise, the broker pays ongoing fees (typically a percentage of commissions) to use the franchise brand, access the lender panel and …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is the difference between a mortgage broker and a bank lending officer?

Both mortgage brokers and bank lending officers help clients obtain home loans, but they operate under fundamentally different models with different obligations to the client. Bank lending officer. Works for a single bank or institution and can only offer that bank’s products. Their obligation is to their employer. They cannot compare rates or features across …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is a mortgage broker aggregator and how do I choose one?

A mortgage broker aggregator is an intermediary organisation that sits between individual mortgage brokers and lenders. Joining an aggregator gives a broker access to an accredited lender panel, a compliant software platform, BDM relationships with lenders, professional indemnity insurance arrangements, and ongoing compliance support. How aggregators work. Brokers operate under the aggregator’s Australian Credit Licence …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

How do mortgage brokers use LinkedIn to find referral partners?

LinkedIn is the most effective digital channel for mortgage brokers to identify and connect with professional referral partners — including accountants, financial planners, real estate agents, and lawyers. Its search and filtering capabilities allow brokers to identify the exact type of professional they want to build relationships with, at a suburb or postcode level. LinkedIn …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is the responsible lending obligation for mortgage brokers in Australia?

The responsible lending obligation requires Australian mortgage brokers to make reasonable enquiries into a borrower’s financial situation and assess whether a proposed loan is ‘not unsuitable’ before recommending it. The obligation is set out in the National Consumer Credit Protection Act 2009 (NCCP Act). Three core obligations: 1. Make reasonable enquiries. The broker must ask …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is a mortgage broker's clawback and how does it work?

A clawback is a provision in the lender-broker commission agreement that requires a broker to repay some or all of the upfront commission received on a loan if the borrower repays the loan within a specified period after settlement. How clawbacks work. When a loan settles, the broker receives the upfront commission from the lender …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What is SMSF lending and which mortgage brokers specialise in it?

SMSF (Self-Managed Super Fund) lending allows an SMSF to borrow money to purchase investment property through a Limited Recourse Borrowing Arrangement (LRBA). It is one of the most complex areas of Australian mortgage broking, requiring specialist knowledge of superannuation law, lender policy, and property ownership structures. How SMSF loans work. The SMSF borrows funds from …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

How does a mortgage broker build a referral network with accountants?

Building a referral network with accountants is one of the highest-value activities for a mortgage broker. Accountants advise clients on tax, wealth planning, and business strategy — they see client financials directly and are often the first professional to identify an investment opportunity, refinancing trigger, or equity event. Why accountants are valuable referral sources. An …

Mahbub Hassan28 April 2026

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Broker Career & Recruitment

What technology do high-performing mortgage brokers use in Australia?

High-performing mortgage brokers in Australia increasingly rely on a technology stack that automates administrative tasks, manages client relationships, and supports multi-channel marketing. The right combination of tools materially impacts a broker’s productivity, compliance, and client experience. Loan processing and aggregator platforms. Most aggregators provide a loan origination platform (e.g. ApplyOnline, NextGen, Salestrekker) used to submit …

Mahbub Hassan28 April 2026

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Negative Gearing and the 2026 Budget: How an Investment Property Buyers Agent Can Help You Rethink Your Strategy

The Australian investment property market has long relied on the favourable tax implications of negative gearing. In light of the highly publicised 2026 Federal Budget announcement, it appears that this investment property strategy requires investors to reconsider their approach to new investments. Far from bringing an end to property investment, we think it is a …

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Top 5 Things an Investment Buyers Agent Does (And Why You Need One)

An investment property buyers agent is a licensed professional who sources, analyses, and negotiates property purchases on behalf of the buyer, working exclusively for you rather than the vendor. Here is what that actually means day to day: If you have been wondering whether an investment buyers agent is worth the fee, what follows covers …

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Borrowing Power, Loan Repayments, and More: Which Property Investment Calculator Do You Actually Need?

Property investment calculators give you the numbers behind the decisions before you make them, but not every calculator is relevant to every investor at every stage. Here is what actually matters: The right calculator used at the wrong stage gives you numbers that feel useful but are not. What follows explains which property investment calculators …

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How to Calculate Capital Gains Tax on an Investment Property in Australia

Capital gains is the profit you make when you sell an investment property for more than you paid for it, and in Australia it is added to your taxable income for the year of sale and taxed at your marginal rate. Here is what the process involves: Understanding how to calculate capital gains on investment …