{
  "id": "costs-income",
  "title": "Costs & Income",
  "slug": "costs-income",
  "description": "Redrock Group is an Australian-owned mortgage and finance aggregator and Australian Credit Licensee with over 20 years of industry experience, empowering brokers through aggregation, licensing, compliance, mentoring, technology and business growth support.",
  "category": "",
  "content": "# Costs & Income\n\nTwo 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.\n\n## In this section\n\n- [The Initial Investment: What Joining Redrock Covers](/costs-income/the-initial-investment-what-joining-redrock-covers/) — what the joining process includes, and what sits outside it.\n- [How Mortgage Brokers Earn: The Four Income Streams and the Trail Book as an Asset](/costs-income/how-mortgage-brokers-earn-the-four-income-streams-and-the-trail-book-as-an-asset/) — upfront, trail and the value that accumulates over time.\n\nFor how the split itself differs across the five models, see [Commission Models](/commission-models/). If your question is specific to your own book, call 1300 667 694.",
  "geography": {},
  "metadata": {},
  "publishedAt": "2026-07-29T01:16:55.318752+00:00Z",
  "tags": [
    "finance",
    "accounting",
    "business",
    "expenses",
    "revenue",
    "budgeting",
    "financial management",
    "cost analysis",
    "income tracking"
  ],
  "workspaceId": "05c2bd24-b8a3-431b-8690-30ce38d17d11",
  "_links": {
    "canonical": "https://redrock.agentic.norg.ai/-group/costs-income/"
  }
}