Brokers Now Write 81.6% of Home Loans. Here's What Record Share Actually Means for You
The channel has won the argument with consumers — the pressure now shifts to capacity, service and compliance inside each broker business.
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Real estate lending across consumer and commercial — residential, investment, SMSF, construction and commercial property — plus asset broking on equipment and chattel mortgages. All the panel and support of a major aggregator, minus the bureaucracy.
90+ residential, commercial and SMSF lenders — majors, non-banks, specialist and private credit — so you never have to say "I can't help with that".
Owner-occupied, investment, refinance and cash-out across the majors and challenger banks — with sharp rates and fast SLAs.
Construction loans, land banking and small-scale development funding through specialist and private lenders.
Owner-occupier and investor commercial mortgages, lease-doc and low-doc options for self-employed clients.
Residential and commercial SMSF loans with lenders who actually understand LRBA structures.
Credit-impaired, alt-doc and unusual income scenarios placed through our specialist panel and scenario desk.
Equipment and chattel mortgage deals for your commercial clients — fast-settling revenue that sits naturally alongside their property lending.
Whichever way you operate, we keep you compliant and audit-ready without burying you in paperwork.
Transparent upfront and trail on every lender, every deal.
Weekly runs with trail, adjustments and clawbacks reconciled and forecastable.
Fact find, serviceability, lodgement and annual-review automation in one login — no re-keying.
Cloud platform and remote support — broker from home or anywhere in Australia.
Original analysis from the Oxcel Insights Team — the same thinking we share with our broker network.
The channel has won the argument with consumers — the pressure now shifts to capacity, service and compliance inside each broker business.
Read the article →
Front-book versus back-book pricing is a standing annual-review engine — for brokers who systemise it.
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Buffers, shading and income treatment differ by lender — working that spread compliantly is the modern broker's core skill.
Read the article →Illustrative examples of typical commission structures on our panel — upfront, trail and asset broking — before splits, fees, GST and business costs.
| Illustrative deal | Typical gross revenue* |
|---|---|
| Home loan — $650,000 (upfront ~0.65%) | ≈ $4,225 upfront |
| Trail on that loan (~0.15% p.a.) | ≈ $975 /yr, ongoing |
| Commercial property — $1.2M | $6,000 – $12,000 |
| Asset broking — $300,000 equipment | $4,500 – $9,000 |
| Book of 100 loans (~$65M) | ≈ $8,100 /mo trail |
*Illustrative only, based on typical panel lender commission rates (upfront ~0.50–0.70% and trail ~0.15–0.20% p.a. on residential; commercial and asset brokerage negotiated per deal); before splits, fees, GST, clawbacks and business expenses. Not a representation or guarantee of the earnings you will or are likely to achieve.
We handle lender re-accreditations, data migration and trail-book transfer planning — most brokers are fully switched inside 30 days.
Join Oxcel →Our Relationship Managers are here to understand your business, answer your questions and show you how Oxcel can support your success.
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