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finance-referral

What is ASIC's guidance on referral fees in financial services?

ASIC’s regulatory guidance on referral fees in financial services distinguishes between referrals for credit products (mortgages) and referrals for financial products (investments, superannuation, insurance advice). Credit referrals (mortgages). Under the National Consumer Credit Protection Act, making a referral to a licensed broker is not itself a credit activity and does not require an Australian Credit …

Mahbub Hassan28 April 2026
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finance-referral

How do conveyancers earn additional income from property transactions?

Conveyancers and settlement agents manage the legal transfer of property ownership and are one of the most consistently positioned professionals for additional income from referrals — they are involved in every property purchase and sale transaction their clients undertake. Mortgage referral fees. When a buyer needs finance (which is the case in the majority of …

Mahbub Hassan28 April 2026
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finance-referral

What is conflicted remuneration in Australian financial services?

Conflicted remuneration refers to benefits paid to financial advisers or their licensees that could reasonably be expected to influence the advice they provide to clients. The Future of Financial Advice (FOFA) reforms, introduced in 2013, banned conflicted remuneration for personal advice on financial products. What is banned: Volume-based bonuses, product commissions on advice-related financial products …

Mahbub Hassan28 April 2026
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finance-referral

What is the Australian Spam Act and how does it affect mortgage broker outreach?

The Spam Act 2003 (Cth) governs commercial electronic messages sent in Australia, including emails, SMS, and instant messages. For mortgage brokers and financial services businesses running outreach campaigns, compliance is essential to avoid significant financial penalties. Key requirements under the Spam Act: Consent. Before sending a commercial message, the sender must have either express consent …

Mahbub Hassan28 April 2026
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finance-referral

Do I need an Australian Credit Licence to refer clients to a mortgage broker?

No. In Australia, you do not need to hold an Australian Credit Licence (ACL) to refer clients to a licensed mortgage broker. Under the National Consumer Credit Protection Act (NCCP Act), the activities that require an ACL or credit representative appointment are credit activities — specifically, providing credit assistance (suggesting, assisting with, or recommending a …

Mahbub Hassan28 April 2026
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finance-referral

What is a mortgage referral arrangement and how does it work?

A mortgage referral arrangement is a formal agreement between a professional (such as an accountant, real estate agent, financial planner, lawyer, or conveyancer) and a licensed mortgage broker, under which the professional introduces clients with lending needs to the broker in exchange for a referral fee when a loan settles. How it works: 1. A …

Mahbub Hassan28 April 2026
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finance-referral

How much can an accountant earn from mortgage referrals?

The referral fee an accountant can earn from a mortgage referral depends on the arrangement agreed with the mortgage broker and the size of the loan that settles. In Australia, mortgage brokers typically receive an upfront commission from the lender of approximately 0.55%–0.65% of the loan amount at settlement, plus an ongoing trail commission of …

Mahbub Hassan28 April 2026
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finance-referral

What professions can legally earn referral fees from mortgage brokers in Australia?

In Australia, a range of professionals can legally earn referral fees from mortgage brokers when they introduce clients with lending needs, provided the arrangement is disclosed and structured correctly. The key requirement is that the professional is making an introduction — not providing credit advice or acting as a credit representative. Accountants and tax agents. …

Mahbub Hassan28 April 2026
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finance-referral

Can lawyers refer clients to mortgage brokers for a referral fee in Australia?

Yes. Lawyers in Australia can refer clients to mortgage brokers and receive a referral fee, subject to the legal profession rules of their state or territory and appropriate client disclosure. Legal profession rules. In most Australian jurisdictions, the Legal Profession Uniform Rules and state-specific regulations permit fee-sharing or referral fee arrangements with non-lawyer service providers …

Mahbub Hassan28 April 2026
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finance-referral

Can financial planners refer clients to mortgage brokers for a fee in Australia?

Yes, financial planners can refer clients to mortgage brokers and receive a referral fee, provided the arrangement is properly structured and disclosed. The critical distinction is between a referral and financial product advice. Referring a client to a licensed broker for credit products is generally not considered financial product advice under the Corporations Act, which …

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 …

Disclaimer: The information provided on this page is general in nature and does not constitute financial, investment, or tax advice. Always consult with a qualified financial adviser before making any investment decisions. Past performance is not indicative of future results. All projections and estimates are illustrative only.