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title: Costs & Income
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# Costs & Income

# 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](/costs-income/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](/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.

For 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.