Costs & Income

Two questions sit behind most decisions to join an aggregator: what it costs to get started, and how the money comes in once you do. This short section answers both. One page covers what the initial investment actually buys — and what it doesn't. The other explains the four income streams a broker earns from, and why a trail book is better understood as an asset you are building than as a monthly payment you receive. Neither page quotes earnings figures, because what you make depends on volume, loan mix and how long you have been writing.

In this section

• The Initial Investment: What Joining Redrock Covers — what the joining process includes, and what sits outside it.
• How Mortgage Brokers Earn: The Four Income Streams and the Trail Book as an Asset — upfront, trail and the value that accumulates over time.

For how the split itself differs across the five models, see Commission Models. If your question is specific to your own book, call 1300 667 694.