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The lenders on our aggregator panel. Click a lender to see how its upfront commission is calculated and when it's paid.

Source: Finsure Commissions Schedule — Upfront timing & Calculation, July 2026

Lender	Lender Upfront Commission Amount used for Calculation
	The drawn amount less any offset balance as at the end of the month the loan settled.
	Calculated on the amount utilised by the customer 4 business days after settlement minus the balance in any offset / redraw. Upfront commission on loans that settle in the last 4 days of a month will be paid two commission months after settlement. A review will be performed 180 days from the date of disbursal, assessing the loan usage against the initial upfront paid and any adjustment due will be processed accordingly. If there is an excess of funds in the offset(s) compared to the facility it is linked to, we will utilise the “excess” to reduce commission on any other facilities within the same loan (excluding construction loans). Construction loans are reviewed and paid monthly. Commission is calculated on what is utilised so as amounts are drawn down, upfronts are paid.
	Upfront Commission will be compromised of a base commission and utilisation commission: Base commission will be paid on the loan amount net of offset and redraw • Offset amount considered is the value disbursed to a linked offset (linked by 10th of month following drawdown) • Redraw amount considered is the balance of redraw on 10th Additional utilisation commission will be paid on offset and redraw used in the first 12 months. Full upfront is paid at first drawdown for construction loans.
	Upfront will be calculated on the Gross loan amount
	Upfront will be calculated based on the drawn down amount less any offset balance as at the 7th day of the following month.
	Calculated on the total approval amount and paid on first drawdown. If the loan does not fully drawdown to the approval amount and the client cancels the remaining funds, a pro rata clawback will be processed to the value of the difference.
	Upfront calculated on loan amount net of any offset or redraw, averaged over 5 days from the settlement date. Revised Upfront calculated 12 months after settlement as loan amount minus offset amount averaged over the number of days in the year, minus to originial upfront commission.
	Calculated 5 days after settlement. Commission calculated on the drawn amount minus any funds held in offset. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement.
	Calculated 5 days after settlement. Commission calculated on the drawn amount minus any funds held in offset. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement.
	Upfront commission is calculated on the net usage of loans on day 14 post settlement (amount utilised by the customer minus the balance in any offset account on the date of settlement). Therefore upfront commission on loans that settle in the last 14 days of a month will be paid two commission months after settlement. A review will take place at the 12 month mark where Bankwest will process top up payments.
BC Securities	Upfront calculated on loan amount net of any offset or redraw.
	Upfront calculated on loan balance minus offset balance, as at the last day of the calendar month in which the loan settled. Net Balance increased will be reviewed and paid monthly for the first 12 months of the loan.
	Classic/Gold – drawndown amount at the end of the month that the loan settled. Assist/Platinum – drawndown amount, net of offset and redraw, at settlement date. Advance - drawndown amount 5 days after settlement. Refer to Better Choice website for additional upfront claim form. The following conditions apply: • Minimum net increase of $50,000 required • The loan must have been settled greater than 6 months • This claim must be made within 12 months of the original settlement • Only one claim can be made per loan
	Calculated on the initial loan amount net of offset or redraw as at the last business day of the month. Review will be performed 12 months after settlement and subsequent upfront paid if the utilised loan amount has increased by $50 or more.
	Upfront based on the initial principal sum of the loan, net of any funds held in offset accounts or available via redraw, as at the 10th business day after the end of the month in which the loan settles. Subsequent upfront payment are to be made if the customer confirms, in line with responsible lending, that funds have been used for a legitimate reason within 6 months post settlement. There is no minimum threshold for claim so long as funds have been used for the purpose advised during the application submission.
	Calculated on the new money initial drawdown, net of balances in any linked offset facility (MISA, redraw or Every Day Offset (EDO) on the 14th Calendar day after the date of initial drawdown. An additional one off Upfront payment will be made if Offset Account(s) at Day 14 is $20,000 greater than the daily average Offset Account(s) balance from Day 15 up to the first anniversary of settlement of New Money (including Top Up). The additional Upfront will be based on the average balance between Day 14 and the first anniversary of the settlement, calculated daily. Payable within 28 days following the first anniversary of the settlement of the New Money (including Top Up).
	Calculating on the drawn balance, net of offset account balance. The calculation will be made 7 calendar days from settlement. Therefore upfront commission on loans that settle in the last 7 days of a month will be paid two commission months after settlement.
Finsure Loans thrive (powered by Thinktank)	Upfront calculated on the total outstanding loan balance at calendar day 10 of settlement. Residential NCCP loans will be reviewed at the end of the month, following the 12 month period, post settlement date. Additional payment will be made on the difference between the end of month total outstanding loan balance and the last highest total outstanding loan balance paid if they are higher than $50K.
	Calculated on drawndown amount net of offset within 5 calendar days from settlement. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement. A further upfront commission payment will be calculated on subsequent drawings after the first 12 months, where the net loan balance is greater than at the time of settlement, and the minimum amount payable is greater than or equal to $100. The further upfront payment will be made in month 13 and cannot exceed the amount as if the loan was fully drawn at settlement. Construction loans will be paid on limit of the facility.
	Upfront calculated on the drawndown loan amount at settlement.
	Calculated on the net balance after redraw and offset on the 5th day of the following month. An additional upfront will be paid if a loan balance has increased by at least $50,000 calculated six months after the date the loan was drawn down.
	Calculated on loan amount minus offset account balance at settlement plus 5 calendar days. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement.
	Upfront is calculated on the net balance (i.e.excluding redraw and any amount held in an offset account) calculated as at 7 calendar days after settlement of the loan. HSBC will review the loan at the 12-month anniversary.
	Upfront calculated on Settled Loan Amount.
	Calculated on drawndown amount net of offset and redraw balances 5 calendar days following settlement. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement. ING will review loan balances (net of offset funds) 6 months following settlement of a loan. Where there has been an increase of at least $10,000 in balances compared to the balance on day 5, will pay an additional upfront commission on this increased amount.
	Upfront calculated on Settled Loan Amount.
	Upfront calculated on Settled Loan Amount. Trail Commission will cease paying trail commission on any loan application received from 1 July 2021 if the loan account is still active 60 months or more from either the settlement date or first drawdown for a construction loan. You won’t see the effects of this change until at least financial year 2027. Any existing loans you have with trail commissions will not be impacted by this change.
	Upfront calculated on Settled Loan Amount.
	Calculated 5 business days after settlement based on loan balance net of offset. Therefore upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement.
	Upfront commission will be calculated using the loan account balance (net of any offset account balances) on the 14th calendar day after settlement (i.e. the 15th day of the loan). Macquarie will make a top-up payment based on the month-end loan balance 12 months after settlement as long as it’s $25,000 or more than the amount used to calculate the original upfront payment. For construction loans, generally upfront commission is calculated on the full loan limit. **Effective 1st May 2026
	Upfront calculated on settlement amount, net of any offset balances, on or around the 15th of the month following settlement. Upfront review for further utilised funds upon request.
	Calculated on the settled loan amount less any available credit balance that is held by the Customer in a linked offset and/or redraw account calculated 5 business days from the loan settlement date. Therefore, upfront commission on loans that settle in the last 5 business days of a month will be paid two commission months after settlement. Commission is not payable on internal refinances of an existing Loan nor any variation to an existing Loan (i.e. when a Loan is transferred to a new security property or there is a change of product type). A further commission is payable based on the amount that the Interim Commission Balance exceeds the Initial Commission Balance (if at all). The “Interim Commission Balance” is the maximum amount of: 1. the settled Loan amount, less 2. any available credit balance that is held by the Customer in a linked offset and/or redraw account calculated 3 business days from the day which is 6 months from the loan settlement date, (the “Interim Commission”). Interim Commission is only payable if the Interim Commission Balance exceeds the initial commission Balance by $10,000 or more
	Calculated on the drawn loan balance on the 5th calendar day after the date of draw down. Therefore, upfront commission on loans that settle in the last 5 calendar days of a month will be paid two commission months after settlement. A subsequent upfront may be applicable on the 1-year anniversary, depending on the spot balance at this time. SDD payments are based on the Net Debit Balance difference between the initial upfront commission calculation (Day 6) and the end of period (Day 365)
	Based on the net loan balance on the 10th calendar day after the date of drawdown. Net loan balance includes the drawdown amount, prepayments, fees, applied interest & transactions.
	Calculated on the drawn loan balance and net of any offset facility on 5th calendar day after drawdown. Therefore, upfront commission on loans that settle in the last 5 days of a month will be paid two commission months after settlement. If customer draws additional funds of $20K or greater in first 12 months, then upfront will be paid.
	Upfront Commission to be paid on the drawdown amount net of offset as assessed at time of payment. A subsequent Upfront will be paid where the drawdown amount net of offset has increased at the first year anniversary of the loan settlement. Construction & Development - Upfront Commission to be paid on the final approval amount at loan settlement.
	Upfront calculated on the Settlement Amount less Offset & Redraw on the Monday following settlement. Subsequent upfont payments are made monthly, based on usage up until the 12-month anniversary of the loan.
	Calculated on the settled loan amount. For construction loans, initial upfront commission for is calculated on amount drawn at settlement. Additional amounts are then paid as loan is progressively drawn inline with builders progress payment schedule, again calculated on amount drawn.
	Prime & Specialist: Calculated on the approved loan amount net of any redraw and offset, calculated at the end of the month in which the loan settles. Additional amounts are then paid as loan is progressively drawn inline with builders progress payment schedule, again calculated on amount drawn. Ultra Plus • New loans – calculated on a settled loan on the debit balance of the loan account 6 calendar days after the drawdown date. On any subsequent drawdown on the amount of the drawdown on the date on which it was debited (> $20,000 which is debited from the loan account within 12 months from the date which is 5 calendar days after the drawdown date). • For all new settled loans and variations to existing settled loans for construction purpose - commission on a settled loan at the percentage on the facility limit on the first settlement date. Commission will not be paid for subsequent drawdown: a. for any term loan which is for construction purposes only; or b. for any variation of a term loan; or c. if the purpose of the subsequent drawdown is not disclosed in the loan application.
	Calculated 5 calendar days after settlement based on loan balance net of offset and/or any advance payments. Therefore, upfront commission on loans that settle in the last 5 business days of a month will be paid two commission months after settlement. Additional utilisation commission will be paid on offset and redraw used in the first 12 months. Calculated at 12-month anniversary. Construction loans are paid upfront at first drawdown.
	Amount funded less any offset balance as at the end of the month.
	Amount funded less any offset balance as at the end of the month.
	Drawn Balance net of offset on the 5th business day of the following month.
	Upfront commissions are paid net of offset on the day 6 adjusted balance, therefore any loan that settles in the last 5 days of the month the upfront commission will be held over to the next month, then calculated and paid on the day 6 adjusted balance, as part of the following month commission run
Commercial	Upfront is calculated on the upfront commission rate x EOM Balance (last business day of the month). A subsequent upfront will be payable at the 12-month anniversary on the maximum EOM balance.
	Calculated as a percentage of the amount drawn down & utilised by the customer on the 7th calendar day following settlement, excluding any amount which remains in an offset account. Additional utilisation commission will be paid on offset used in the first 12 months for the purpose identified at the point of loan origination. When split loans are settled within a same month, upfront is paid on the end of month net of offset balance (ie end of month loan balance – end of month offset balance).

While reasonable steps have been taken in the preparation of this summary information, there is a possibility of errors and information should be verified with the Lender.