Outsource Financial Mortgage Aggregator 2026

outsource Financial is a mortgage aggregator for practices that want to write loans, refer clients to Lending Managers or combine both approaches. Its fit depends first on who will do the lending work, then on the commercial agreement for that model.

As at October 2026, outsource Financial describes itself as independently owned, without bank, wealth-management or insurance-body ownership. The privacy policy names outsource Financial Pty Limited, Australian Company Number (ACN) 131 090 705. The licence number on outsource Financial’s website is 384324.

Choose the Broker, Referrer or Combination Model

Choose the broker model if your practice will write loans itself. Use the referrer model for Lending Manager handling. Combination lets you write some files and refer others.

outsource Financial’s model descriptions, as at October 2026, describe each route.

Model	Lending work	Client communication	Revenue to establish in the agreement
Broker	Your authorised and accredited broker handles advice, loan preparation and submission	Your broker manages the lending relationship	The broker’s commission share, deductions and payment rules
Referrer	You introduce the client to a Lending Manager who handles the lending work	Your practice keeps its professional-service relationship; agree how the Lending Manager updates both parties	Your referral share, payment trigger and ongoing-payment conditions
Combination	Your broker writes selected files and refers others	Assign one lending contact for each file and define updates to the referring practice	Separate written-loan and referred-loan payment schedules

The model name alone doesn’t authorise your staff to give credit advice. Put the relevant authorisation, lender accreditation and responsibilities in place before your practice starts writing loans.

These fictional practices show how the choice works:

• Harbour Accounting has clients seeking home loans but no authorised loan writer. Its partners want to keep tax work as their main service. The referrer model fits if the agreed handoff gives clients a named Lending Manager and keeps the accountant informed with appropriate consent.
• Cedar Financial Planning employs an authorised mortgage broker with time to manage applications. The broker model fits its plan to provide lending advice and oversee the client file internally.
• Wattle Advisory has an accredited residential broker but limited capacity for specialist commercial work. Combination fits if it writes residential files and refers commercial cases to specialists, with each route clearly explained to clients.

For a wider shortlist, use the Australian mortgage aggregator comparison. Keep this decision focused on whether outsource Financial’s operating routes match your practice.

Check the Lender and Referral Coverage

outsource Financial’s published panel categories cover residential and commercial lending, asset finance, motor vehicles, equipment, personal lending, private funding and insurance. Its panel page lists those categories as at October 2026. Panel diversity describes access for accredited mortgage brokers.

Panel membership and your own accreditation are different. For your intended products, establish which lenders you can submit to, the accreditation conditions and whether the case needs a referral.

Insurance needs its own distribution and authorisation arrangements. A lending panel logo doesn’t settle those arrangements.

Commercial and Private Lending Solutions (CAPLS) is outsource Financial’s in-house referral route for commercial and private lending. Its CAPLS page, as at October 2026, describes it for members who lack the time, experience or accreditations to write those loans.

The vequip service handles referrals for consumer and commercial asset finance. As at October 2026, outsource Financial describes it for brokers and referrers facing the same capacity or accreditation limits. Compare direct writing requirements separately through the asset-finance aggregator guide.

Before using either specialist route, agree on each responsibility in the client engagement.

• Name the person responsible for advice, document collection, lodgement and lender follow-up.
• Agree who contacts the client and how your practice receives progress updates.
• Define client ownership in the agreement, including future refinancing and cross-selling contact.
• Specify the referral commission, when it becomes payable and whether any continuing payments apply.
• Record consent for the information shared and where each party keeps its file.

A referral route can let you serve a need outside your writing capacity. The agreement must support the client-retention and income outcome you expect.

Ioutsource and the Application Workflow

ioutsource is outsource Financial’s platform built with Salestrekker, with connected loan-origination and electronic-lodgement tools. The software page, as at October 2026, names LoanQ for commercial and consumer asset finance. It also names ApplyOnline and Simpology for electronic mortgage lodgement.

The published ioutsource diagram lists customer relationship management (CRM), client and referral portals, document creation, electronic signatures, identity verification and pipeline tasks. These describe the platform’s advertised functions. The diagram doesn’t establish your member permissions or a specific automated handoff.

Work area	Documented system or relationship	Responsibility to assign
Client records and workflow	ioutsource CRM, portals and pipeline tasks	The file owner maintains facts, consent and task status
Compliance records	Document creation in ioutsource; Salestrekker documents commission disclosure and compliance reporting	The authorised broker checks the advice record and required documents
Asset-finance origination	LoanQ, named on outsource Financial’s software page	The accredited writer prepares the asset case, or the specialist handles a referral
Mortgage lodgement	Connected ApplyOnline and Simpology	The authorised writer submits through the applicable lender channel
Reporting	Salestrekker documents performance, sales and compliance reports with role-based access	Assign reporting access and the person who checks incomplete files
Commission administration	Salestrekker documents commission groups and posting settled deals to commission platforms	Agree outsource Financial’s payment setup, reconciliation process and referral allocation

Salestrekker’s reporting guide and commission guide describe platform-level functions. Treat member configuration and the payment agreement as separate from those functions. A commission shown in a document isn’t proof that funds have been received or paid.

One Fictional Case Through Both Routes

Assume Wattle Advisory’s client needs a residential refinance and equipment finance for their business. This fictional example assigns the residential file and equipment referral to separate owners.

1. Wattle’s broker records the client’s needs and consent in the practice’s client record. The broker keeps the residential advice file and assigns the equipment referral separately.
2. For the refinance, the broker prepares the application in ioutsource and uses the applicable ApplyOnline or Simpology connection. The lender owns its assessment and decision. The broker records lender requests and client updates.
3. For the equipment request, Wattle agrees the handoff with vequip. The specialist owns the referred lending work, while Wattle keeps the referral consent and agreed update record. Use the agreed referral channel and clarify which records each party can see.
4. After settlement, reconcile the residential commission and equipment referral payment separately. Keep the settlement evidence, payment statement and any deductions against the correct file.

For residential policy research, Bulma helps the broker compare a scenario across 52+ lenders and retain the quoted policy behind each answer. Bulma doesn’t lodge applications or connect to lender portals. That keeps research separate from the writer’s submission channel and the lender’s final assessment.

Assess Education and Business Support

Match support to the work your practice will perform. Writers need lending competence, referrers need reliable handoffs and combination members need support for both routes. outsource Financial’s education page, as at October 2026, describes the following programmes.

Programme or event	Published detail	Where it fits
New Entrant Mentoring Program	Complimentary 12-month programme with monthly virtual sessions	A new broker building writing and business skills
Commercial Mentoring Program	Eight-part virtual series, run nationally one to two times a year	A writer developing commercial lending capability
Loan Admin Mentoring Program	Training for new administration and processing staff	A practice allocating file preparation to support staff
ieducate	Weekly hour-long sessions on compliance, technical skills and business ownership	Ongoing learning for the relevant member role
Coffee Clusters and Lender Days	Scenario workshops and lender relationship events	Brokers seeking lender-specific discussion
Software training and professional development	Software workshops plus business-development events	Teams learning the platform or business management

The education page states that each broker under outsource Financial must attend at least one Fraud & Compliance Workshop each year. Put that participation requirement in your onboarding calendar.

The broker-model page separately advertises complimentary two-year mentoring. Ask the onboarding team to distinguish that arrangement from the named 12-month New Entrant Mentoring Program in your written support schedule.

outsource Financial also describes coaching, compliance, marketing, business planning and onboarding support. Assign those services to concrete needs, such as reviewing a new writer’s file or setting a referrer’s client-update process. Establish the included service, contact person and any additional charge before budgeting for support.

Resolve Commercial and Exit Terms

Choose outsource Financial only when its model-specific quotation and agreement support the way your practice plans to earn income and retain clients. Use its joining contact to request the quotation, payment schedule and proposed agreement for your chosen model.

Request the commercial terms in writing:

• Joining and ongoing aggregation fees, minimum production requirements and charges for each authorised writer or referrer.
• Broker commission and referral shares, payment timing, clawbacks and deductions.
• Software seats, identity checks, electronic signatures, processing services and optional marketing costs.
• Goods and services tax (GST) treatment for each fee and payment, plus the services included in the quoted amount.
• The treatment of files you write yourself compared with files handled by a Lending Manager, CAPLS or vequip.

Salestrekker’s frequently asked questions states that aggregators have their own pricing arrangements. A generic software subscription doesn’t establish an outsource Financial member’s total cost. Use the aggregator fee guide to organise the quoted costs and revenue shares without mixing the two operating routes.

Protect Payments and Records at Exit

Resolve ongoing rights before signing, while you can negotiate the agreement:

• Establish whether trail commission or referral payments continue after termination, and identify any conditions that stop them.
• Define control of client records, permitted client contact and any restraints on servicing or moving the relationship.
• Specify exports for client data, documents, notes, communications and commission history, including format and cost.
• Record the notice period, termination charges and responsibility for unfinished applications.
• Agree who services live files after departure and how clients receive updates.
• Set the duration and scope of post-termination software access, including access needed to answer complaints or reconcile payments.

The privacy policy describes personal-information handling. It doesn’t determine your contractual rights to a client book, a complete business export or continuing trail payments. Those rights need clear terms in the member agreement.

outsource Financial fits a professional practice that needs a deliberate choice between writing and referring, with specialist referral routes beside residential writing. Proceed when the relevant accreditations, support schedule and payment rights match that choice. If you’re transferring an existing book, use the aggregator switching guide to plan the live-file and data handover under those agreed terms.