Finsure Mortgage Aggregator for Brokers 2026

Finsure is a mortgage aggregator for brokers who want lender access, the Infynity platform and business support while running their own brokerage. Its proposition suits an established practice seeking infrastructure and a banker moving into broking who needs mentoring. Choose the arrangement on its lender access, defined support responsibilities and total commercial terms.

Finsure’s public service range is broad. Your agreement must establish which services you receive, what you pay and how your clients and live files continue if you leave.

Finsure Aggregation Model

Finsure’s wholesale model gives an independent brokerage access to aggregation services without requiring it to become a franchise. In its submission to the New South Wales Parliament, Finsure describes brokers retaining their branding and client relationships. That value statement explains the model, but your proposed appointment and agreement determine your obligations.

Finsure’s website lists Australian credit licence number 384704 as at October 2026. That licence number doesn’t establish your own authority to provide credit services. Obtain written confirmation of the licence arrangement, appointed entities, authorised activities and eligibility requirements that apply to your brokerage.

An experienced brokerage can assess whether Finsure replaces work its team already performs. Focus on migration of records, lender accreditations, processor access and the support available for difficult files. A lower administrative workload has value only if the service takes responsibility for a defined task.

A banker entering broking needs a different support assessment. Bank experience doesn’t establish proficiency across multiple lenders or independent brokerage compliance. Finsure’s Broker Academy describes a 24-month programme with a dedicated mentor and tiered pricing as at October 2026.

For that pathway, establish who reviews initial files, which submissions need approval and how supervision changes as you gain experience. Include mentor availability, leave cover and the cost of continuing support in the written proposal. The new-broker aggregator guide explains the supervision criteria in more detail.

Hai Money’s Historical Relationship

Finsure’s LinkedIn post dated 18 July 2024 welcomed Hai Money as part of its group. That is evidence of the historical relationship, not an assurance of a current Hai Money appointment. Hai Money’s own company profile says it ceased operations in April 2026.

If you were a Hai Money broker, direct your enquiry to current Finsure support. Identify your brokerage, existing appointment and affected files, then request a written explanation of the route available to you. Establish the position on accreditation, commission records and client-file access before relying on a transition arrangement.

The historical relationship doesn’t promise continued Infynity access or determine your trail rights. Those issues depend on the applicable agreements and your individual circumstances.

Lender Access and Deal Support

The Finsure lender panel has more than 75 lenders across home loans, commercial loans and asset finance, according to its current panel page as at October 2026. This is a mixed lending panel, so the headline count isn’t a count of residential lenders alone.

Panel membership means Finsure has a distribution relationship with that lender. Your accreditation determines whether you can submit business, and the lender assesses whether the specific application meets its requirements. Keep those decisions separate when assessing access to Finsure lenders.

Finsure’s public onboarding process starts with an enquiry and forms supplied by its business development team. Its onboarding team reviews the forms and finalises accreditations. Before transferring live business, obtain the status of each accreditation you need, including any product restrictions or training conditions.

The Finsure Loans accreditation page also distinguishes automatic accreditation from applications for particular lending solutions. It directs brokers to its accreditations team and says broker codes appear in Infynity after accreditation. These instructions concern Finsure Loans solutions, so don’t extend them to every lender on the wider panel.

A Fictional Policy Exception

Consider a fictional client whose income includes a component outside a lender’s standard acceptance rules. The broker identifies the policy issue and supplies the supporting evidence. An aggregator relationship helps route the enquiry, while a lender decision determines whether the exception can proceed.

Finsure’s business support page describes Credit Concierge assistance for policy questions and complicated scenarios. Its banker-to-broker page describes a business development manager (BDM) helping brokers reach the relevant lender representative. Use those roles to establish the escalation route for this fictional file.

1. Send the policy question and evidence summary to the designated Finsure support contact. Record the policy version and the precise exception requested.
2. Have the BDM or Credit Concierge identify the lender representative authorised to consider the issue. Separate guidance about possible lenders from a decision on this application.
3. Put any documentation or compliance question to the person responsible for your file review. A lender’s willingness to consider an exception doesn’t complete the broker’s compliance work.
4. Request a written response identifying the lender decision-maker, conditions, expiry and application reference. Return it to the file and give the processor the conditions still outstanding.

For example, a response that additional evidence is required leaves the exception unresolved. An agreement to assess the file on stated conditions is also different from final approval. Don’t tell the client the loan is approved while either position applies.

Infynity and Support Services

Infynity is Finsure’s customer relationship management (CRM) platform, with client information collection, marketing functions and compliance functionality. Access is part of Finsure’s broker proposition. The service schedule must specify user access and charges, including separate third-party services, before you budget for replacing existing tools.

Finsure’s Infynity page describes process automation, a Client Centre and a Service Store with third-party integrations. It also lists text-message marketing, targeted email campaigns and automated customer journeys. These functions can replace separate collection and follow-up tasks when they cover your brokerage’s requirements.

Use the following task map to identify duplicated work.

Service	Daily task it supports	Inclusion or access point to settle
Infynity Client Centre	Collect client information and supporting documents, then communicate about the application	Confirm applicant access, staff permissions and document handling
Infynity marketing and integrations	Run client follow-up campaigns and connect supported third-party services	Distinguish platform functions from separately contracted services
Loan processing support	Enter data, prepare documents, lodge forms and track applications to settlement	Request the processing scope, charges and review responsibilities
Virtual broker assistant	Collect documents, request valuations and maintain records	Finsure describes part-time or full-time availability, Monday to Friday
Recruitment service	Source processors, credit analysts and other brokerage staff	Finsure quotes fees for the role being filled
Marketing support	Prepare collateral, websites and public relations material	Separate complimentary graphic services from premium collateral and website packages
Education and mentoring	Train brokers and support their development	Separate general education access from the Academy’s tiered programme

Finsure’s assistant service includes work in Infynity and ApplyOnline. Agree the assistant’s employer or contracting provider, location, access permissions and backup arrangements before delegating client data. The service description doesn’t settle whether your proposed arrangement uses employees, contractors or an outsourced provider.

The recruitment service is quote-based, with fees tailored to the role. Finsure’s marketing page distinguishes complimentary graphic services from premium customised collateral and describes website packages. Access to a service doesn’t make every deliverable included in the aggregation charge.

For loan processing, define where the processor’s task ends and the broker’s review begins. Record who checks data, approves documents and answers lender requests. Count savings only for tasks the contracted service actually takes over, and retain existing staff capacity for work that stays with you.

Commission, Cost and Exit Review

Compare Finsure’s proposed arrangement using annual retained revenue after aggregation charges and the services your brokerage needs. Its appointment page describes flat-fee, percentage and transaction-based models as at October 2026. It also states brokers can change commission structures without penalty, which is different from the terms for leaving Finsure.

Request a current quotation and proposed agreement with the commission schedules attached. Specify settlement volume, loan count, existing trail and expected use of support services. Have each quote separate the upfront split from the trail split and identify any minimum charge.

Annual Comparison for a Fictional Brokerage

Suppose a fictional brokerage settles 50 loans averaging $500,000, for annual settlements of $25 million. Assume gross upfront commission of 0.6%, or $150,000, plus $30,000 in trail received during that year. These are illustrative assumptions, not Finsure or lender commission rates.

The table compares invented aggregation charges only. All dollar figures are Australian dollars before goods and services tax (GST), where applicable, with clawbacks excluded.

Fictional structure	Annual aggregation charge	Revenue after that charge
10% retained from both upfront and trail	$18,000 from $180,000 gross commission	$162,000
Fixed annual aggregation charge	$15,000	$165,000
$250 per settled loan, with trail retained by the brokerage	$12,500 for 50 settlements	$167,500

The transaction example has the lowest aggregation charge under those assumptions. Its position can change when you include required support services or minimums, or when loan count changes. A percentage structure also changes with commission revenue, while a fixed charge remains payable in a quieter year.

Complete the comparison with each quote’s annual software charges, compliance charges and optional service costs. Convert recurring monthly charges to 12 months and processing charges to the expected file count. Add joining or migration costs separately so you can compare both the first year and later years.

Establish the GST basis for every quoted item and avoid mixing gross commission with net commission. Model a quieter settlement year and a year with clawbacks. Identify whether retained fees are refunded when a lender claws back commission and when you receive the remaining payment.

Contract Questions Before Signing

Have the proposed agreement specify the following terms with clause references. Broad statements about flexibility or independent businesses don’t determine these rights.

• Client record control, consent handling and permitted use by each party.
• Trail payments after termination, including continuing deductions and conditions.
• Notice periods, exit charges and restraints.
• Responsibility for live applications during notice, including lender requests and settlement deadlines.
• Export formats and inclusion of documents, notes and commission history.
• Duration of system access, authorised users and retrieval charges.
• Handling of commission disputes and outstanding clawbacks.

Record an exit plan for live files and record exports alongside the commercial comparison. If the written arrangement meets your panel, support and continuity requirements, assess its annual cost against the other aggregation models. Sign on the defined responsibilities and rights that your brokerage needs.