AFG Mortgage Aggregator for Brokers 2026

AFG is a mortgage aggregator that connects Australian brokerages with lender access, business support and the Suite360 technology suite. It suits brokers who want those services under one aggregation relationship, including practices working across several lending disciplines. The joining decision rests on your actual accreditations and the written commercial agreement, including what happens to your clients and trail when you leave.

AFG Aggregation Model

Australian Finance Group (AFG) is the aggregation business behind a network of mortgage brokers, with lending and technology businesses in the same group. Joining the aggregator establishes your brokerage’s commercial relationship with AFG. An AFG broker advises borrowers within that network.

AFG Home Loans is the group’s consumer-facing home-loan brand, with several loan ranges and different funding providers. A home-loan enquiry concerns the product offered to the borrower. Retro is one of those ranges, while BrokerEngine Plus is broker software.

Neither a Retro application nor a BrokerEngine subscription alone describes your full aggregation agreement.

As at October 2026, AFG’s aggregation overview describes coverage across residential, commercial, asset and personal finance. Its BrokerEngine Plus page describes use by individual brokers and large teams working across multiple locations. That combination makes AFG relevant to a sole broker, an established residential brokerage or a practice expanding into other lending disciplines.

Before joining, request written answers on your appointment arrangement, licence responsibilities and minimum volumes. If you hold your own Australian credit licence, establish how that arrangement differs from becoming a credit representative under another licensee. Put mentoring, professional indemnity insurance requirements and any lending-discipline training into the onboarding schedule.

An aggregator’s services and your authority to act are separate decisions. The written appointment must cover the business structure and lending work you intend to undertake. Use the mortgage aggregator comparison to compare that same business model across other providers.

Lender Panel and Broker Support

AFG’s lender panel spans several lending disciplines, while each lender’s accreditation and assessment still decide which applications you can submit successfully. As at October 2026, AFG’s panel page states that it includes over 80 lenders and partners. It describes banks, non-banks and specialist lenders across residential, commercial, asset and personal finance.

That is a combined panel figure. It isn’t a count of residential lenders accepting every broker or every borrower. Panel membership, your accreditation, access to a particular product and the lender’s acceptance of a scenario are different stages.

AFG’s Lenders tool supplies lender information, and Help supplies broking and AFG guidance. Partner Support helps with accreditation and system-access questions. The AFG contact page lists 1800 063 210 and membersupport@afgonline.com.au for that team.

For business growth, AFG identifies a Partnership & Sales team. Its broker-support page also describes compliance assistance and learning support. A loan’s credit decision remains with the lender, so keep a lender’s scenario response separate from general aggregation guidance.

A Fictional Complex File

Suppose your client runs a company and wants to refinance a residential investment loan while releasing funds for the business. The income evidence and the purpose of the extra borrowing both affect lender selection. This example shows the support handoff without assuming that a lender accepts the file.

Stage	Who owns the next action	What you retain
Identify possible lenders	You review current policy in Lenders and prepare a focused scenario enquiry	Policy version, financial evidence and a clear statement of the borrowing purpose
Clarify the credit position	The lender’s credit or scenario team answers the lender-specific question	Written response, conditions and any exception request
Establish access	You and AFG Partner Support resolve your accreditation and access requirements	Accreditation confirmation and the lender’s submission requirements
Package and lodge	You complete the application and supporting documents through the lender’s accepted route	Final calculator, application copy, attachments and submission reference
Resolve an assessment query	The lender’s assessor owns credit questions, while AFG support helps with platform or process faults	Query, response, updated evidence and the person responsible for the next step

If the preferred lender requires more trading history, a software shortlist doesn’t remove that condition. Choose another supported route or obtain the lender’s written exception position. Record why the selected lender fits the client and what remains conditional before lodging.

Suite360 and BrokerEngine Plus

Suite360 combines AFG’s broker technology, with BrokerEngine Plus handling client and deal work and other modules supplying lender information, learning and business reporting. AFG’s current Suite360 page lists BrokerEngine Plus, Analytics, Learn, Lenders and Help. Treat that current description as the starting point when evaluating the package.

Job	Current documented tool or function	Practical boundary
Customer management	BrokerEngine Plus manages clients and deals, with FinanceVault for collecting documents	Set staff access and the document requirements for each file
Product selection	Products & Scenarios builds loan scenarios and compares products	A product comparison still needs the lender’s policy and accreditation checks
Servicing	Use the relevant lender’s servicing calculator with the client’s verified income and commitments	Keep the calculator version and its assumptions with the file
Lodgement	BrokerEngine Plus has direct lodgement to ApplyOnline	The selected lender and product determine the accepted submission route
Workflow	Customisable workflows, task prioritisation and deal-specific checklists	Assign responsibility for exceptions and incomplete tasks
Compliance records	Integrated Credit Guide, Privacy Consent and Credit Proposal, with client advice documents	You remain responsible for the advice and evidence recorded
Reporting and training	Analytics supplies business reporting, while Learn supplies learning resources	Business reporting and a lender’s credit assessment answer different questions

AFG documents these BrokerEngine Plus functions on its BrokerEngine Plus features. Historical FLEX material isn’t a reliable basis for assigning an old feature to the current interface. Specify the functions your quotation includes by product name.

For the fictional refinance file, you first establish the policy route and confirm accreditation. You then record the client’s verified figures, compare the products and retain the chosen lender’s servicing calculation. FinanceVault collects supporting documents, while the deal checklist tracks what still needs attention.

Direct ApplyOnline lodgement is the documented submission handoff. Before submitting, reconcile the selected product and requested loan purpose against the calculator and attachments. After submission, retain the application reference and follow the lender’s assessment queries through to their written resolution.

The BrokerEngine workflow guide covers the software workflow in more detail. When arranging access for your team, identify which broker and support users require accounts and who can view or amend client records.

Commercial and Exit Due Diligence

Assess AFG aggregator fees against the commission you retain and the total annual operating cost, using a quotation for your own brokerage. AFG’s Suite360 page directs prospective users to a tailored quote based on their business setup. Separate the software charge from the aggregation agreement’s commission and other commercial terms.

Use the same annual settlement forecast and trail-book assumptions for every quotation. Annual fixed costs equal the quoted monthly costs multiplied by 12, plus annual charges. Add onboarding and migration costs separately so the first year isn’t confused with later years.

Your comparison must also include the share of upfront and trail commission retained by the aggregator. Deduct expected clawbacks under each quoted agreement, then account for technology users, required add-ons and any minimum charge. Keep the goods and services tax (GST) basis consistent across quotations.

Commercial item	Written detail to obtain	How it changes the comparison
Commission arrangement	Upfront and trail split, payment timing and clawback responsibility	Changes the income your brokerage retains
Technology and support	Broker and support-user billing, included modules and paid add-ons	Changes recurring cost as the team grows
Minimums and initial costs	Volume requirements, minimum charges, setup and migration charges	Changes cost in a quiet year and during the move
AFG-branded products	Any commission differences, incentives or participation conditions	Changes the economics of particular products
Annual review	Fee increases, agreement changes and renewal conditions	Changes the forecast beyond the initial quotation

Keep product selection tied to the client’s needs when comparing any AFG Home Loans incentives. A higher commission doesn’t establish that a loan fits the client. Record product relationships alongside the commercial schedule so the economics are visible.

Terms to Resolve Before Signing

Client access, trail entitlement and an export file are separate contractual issues. Have the agreement reviewed before relying on a sales description of what you own or can take with you.

• Identify who controls client records and communication history. Set out your brokerage’s rights to those records and their documents.
• Specify the trail payable after termination and the conditions for deductions, withholding or transfer.
• Define notice periods, restraints, exit charges and book-sale conditions.
• Assign responsibility for live applications during notice. Establish who receives commission when those applications settle.
• List the records you can export with their formats and costs. Confirm how long access remains available.
• Record post-termination support and record-retention arrangements.

Ask for an export specification that includes attachments and compliance evidence, alongside client and loan data. A contact list alone won’t recreate the file your brokerage needs to service a client or explain past advice. Put agreed exit and live-file arrangements into the contract or its schedules before signing.

AFG Home Loans and Retro Access

AFG aggregation administration uses Suite360 and AFG Partner Support, while Retro lending uses AFG Home Loans product and credit channels. The consumer-facing brand is AFG Home Loans. Its Retro disclosure identifies AFG Securities Pty Ltd as the originator and servicer, with Australian credit licence 389658.

That legal entity is distinct from Australian Finance Group Ltd, the aggregator. AFG Home Loans Pty Ltd is the branded home-loan business within the group. The Retro product page directs borrowers to the AFG broker network, so a home-loan enquiry starts with a broker and the actual product sought.

As at October 2026, AFG Home Loans’ AFG Home Loans migration notice states that new Link business moved to Retro on 1 June 2026. It names these product changes.

Previous new-business product	Retro destination
Link Premium	Retro Versa
Link Complete	Retro Specialist
Link Complete Plus	Discontinued, with no replacement
Link Lite	Retro Lite Specialist
Link Lite Plus	Retro Lite Specialist Plus

Existing Link customers remain Link customers, with internet banking unchanged under that notice. The naming change doesn’t mean every existing customer became a Retro borrower. The notice also preserves existing Retro accreditation and directs brokers to the new servicing calculator in Lenders.

For a new application, use the correct Retro product in ApplyOnline. For supporting documents, AFG’s Retro niche sheet, dated 1 June 2026, directs brokers to the AFGS Broker Portal. These are distinct from the consumer internet-banking destination.

Task	Official starting point or support owner
Aggregation systems, commission administration or accreditation	Suite360 sign-in and AFG Partner Support
Retro policy or a complex scenario	AFG Home Loans scenario team at scenarios@afghomeloans.com.au or 1300 366 582, option 2
Retro application lodgement	Correct Retro product in ApplyOnline
Retro supporting documents	AFGS Broker Portal, through the access route supplied for your brokerage
Retro file-status enquiry	support@afghomeloans.com.au
Existing Retro customer servicing	clientservices@afghomeloans.com.au or 1800 629 948, option 3

If you need the Retro broker portal invitation or the correct sign-in destination, request it through AFG Home Loans support. Supply your broker identity and application reference where relevant. Use the AFG Home Loans contact page for existing-customer enquiries about the actual loan brand.

Keep the aggregation agreement, broker access and loan product separate when making your decision. Once the written terms fit your brokerage, set an onboarding schedule that confirms lender accreditation and responsibility for every live file before you move.