Insurance brokers frequently work with clients who are property owners — landlords, investors, and homeowners who also have lending needs. A referral arrangement with a licensed mortgage broker creates a natural, low-effort additional income stream from the existing client base.
Property investor clients. Clients who own investment properties require landlord insurance — a core product for insurance brokers. Many of those same clients are actively managing their investment portfolios, regularly refinancing, or acquiring additional properties. A broker referral arrangement means the insurance broker can serve a client’s insurance and lending needs from a single trusted professional network.
Income. Referral fees from mortgage introductions are typically 20–30% of the broker’s upfront commission on a settled loan. For a portfolio of investor clients making regular finance decisions, this generates consistent supplementary income.
Client value. Referring a client to a quality mortgage broker with access to 70+ lenders is a tangibly better outcome than leaving the client to approach their bank directly. Clients who receive better lending outcomes attribute the positive experience to the professional who made the introduction, strengthening the relationship.
Requirements. The insurance broker must disclose the referral arrangement to the client, have a written agreement in place with the mortgage broker, and ensure they are not providing any credit advice. No finance licence is required.
