SFG Mortgage Aggregator for Brokers 2026

Specialist Finance Group (SFG) is an Australian aggregator for brokers writing residential mortgages and other finance. Its SFGconnect platform uses Salestrekker for client records and loan workflows. SFG suits a brokerage that wants this platform alongside lender relationships, provided its written agreement fits the brokerage’s support needs and trail-book plans.

SFG Aggregation Model

SFG combines lender access and broker support with a Salestrekker-based platform. As at October 2026, SFG’s own company profile describes a family-owned aggregator headquartered in Perth. It lists home and investment loans, commercial finance, motor vehicle finance and personal loans among the disciplines its members write.

SFG’s privacy policy identifies Mortgage Specialists Pty Ltd and Australian credit licence 387025. SFG’s current company profile also lists licence 387025. Match the contracting entity and licence holder in your proposed agreement to the appointment documents before signing.

An aggregation agreement and a credit-representative appointment address different parts of your business. The Australian Securities and Investments Commission (ASIC) explains that a business engaging in credit activities needs a licence or authorisation from a licensee.

An aggregator relationship alone doesn’t establish your authority to give credit assistance. ASIC’s credit guidance explains that distinction.

As at October 2026, SFG’s company updates describe an ongoing aggregation relationship with Borg Financial after that brokerage obtained its own Australian credit licence. That example establishes an own-licence relationship, without making the arrangement available to every applicant on identical terms.

For your brokerage, put the following appointment conditions into the proposed agreement or its schedules.

• State whether you retain your own licence or become an authorised credit representative, and identify the entity supervising your credit activities.
• List the qualifications and experience required for each loan writer, including mentoring or supervision for a new entrant.
• Identify permitted lending disciplines and the accreditations needed for each.
• Record minimum business volumes, staffing expectations and any conditions on using your own brokerage brand.
• Define approval and audit responsibilities when employees or outsourced processors handle a file.

SFG’s broad finance positioning supports considering it for a mixed lending business. The appointment still needs to authorise the work your team actually does.

Lender Access and Scenario Support

SFG’s lender access spans residential, commercial and asset finance, with individual accreditation deciding which lenders each broker can use. Midkey’s 17 February 2026 announcement confirms its addition to SFG’s panel. It describes a referral pathway for eligible clients from mid-February, which demonstrates why a panel relationship needs its own operating instructions.

Keep panel membership, broker accreditation and loan approval separate. A lender on SFG’s panel has a relationship with the aggregator. Your broker code and accreditation establish your access, while the lender assesses the client’s application against its policy.

Ask SFG for a dated panel and an accreditation schedule for your named loan writers. Include the lenders your existing clients need, restrictions on new accreditations and any different process for referrals. For a move, record when each accreditation becomes usable so urgent files have an authorised route.

A Fictional Scenario Handoff

Suppose your client runs a business and wants a home loan using the latest year’s accounts. The question is which lenders can assess that income and what evidence each needs. This example describes the records to retain, without asserting a lender outcome or a particular SFG support response.

Handoff	Action	Record to retain
Broker to SFG support	Send the income question with verified trading history, ownership and available documents	The enquiry and SFG’s written reply, including the suggested lender contacts
Broker to lender business development manager (BDM)	Ask the shortlisted lender how its policy applies to those facts	Dated policy guidance and any stated conditions or exception route
Broker to lodgement	Complete the credit assessment and submit through the route enabled for that lender and broker code	The lodged application, supporting documents and application reference
Broker to escalation	Send the application reference and exact unresolved issue to the agreed support contact	The escalation history, responsible person and written outcome

Keep the BDM’s scenario guidance with the application. An indication that a scenario can be considered leaves approval with the lender’s assessor. If the proposal relies on an exception, retain who gave the guidance and the facts it assumed.

Agree SFG’s support and escalation contacts during onboarding. A support reply helps you progress the enquiry, while the lender’s written assessment determines the application outcome.

Platform and Broker Operations

SFGconnect is SFG’s customer relationship management (CRM) platform powered by Salestrekker. Salestrekker’s current website lists SFG as a partner. Its June 2023 SFG case study documents the platform relationship and broker training, while current product documentation describes the underlying tools.

Use the following map to distinguish Salestrekker’s documented capabilities from the services and permissions in your SFG package.

Brokerage task	Documented Salestrekker function	Dependency to resolve in the SFG arrangement
Maintain client records	Client data, documents and client-portal communication	User access and your brokerage’s data permissions
Research products	Finance calculators and product comparison	Your lender accreditations and the configured lending discipline
Run the pipeline	Workflow boards, tasks and automation	Workflow setup and responsibility for overdue work
Prepare compliance records	Recommendation and compliance documents	Licensee templates, review rules and broker sign-off
Lodge applications	Lender-gateway connections, including ApplyOnline	The enabled gateway and lender-specific accreditation
Report on work	Filtered reports and report downloads	Report permissions and definitions used by the brokerage
Administer commissions	Commission groups and contracts, with posting to commission systems	SFG’s payment arrangements and the system receiving the posted deal

The provider’s 2026 release notes document commission configuration and report downloads. They also show that some tasks depend on organisation settings or user roles. A commission calculation or posted deal doesn’t establish when SFG pays you or which deductions its agreement permits.

Salestrekker lists third-party connections for services such as credit checks and electronic signatures. Its release notes document electronic-signature credit checks and billing for some services. Get an inclusion schedule that distinguishes access to a connection from included usage.

Specify which work SFG handles and which work remains with your employees or contractors. For example, allocating a task in the CRM still requires someone to collect the document and assess it. If you purchase processing support, the service schedule needs to define that person’s responsibility and file access.

Fees, Commission and Support

Judge an SFG quotation on annual net commission and total operating costs at your brokerage’s expected volume. Use the proposed agreement’s commission schedule, including upfront and trail separately. Keep a software inclusion schedule beside it so the same service isn’t counted twice.

Ask for the quotation in Australian dollars with its goods and services tax (GST) basis stated. Define whether any percentage applies to lender commission before deductions, commission received after adjustments or another contractual base.

Quote component	Put it on the same annual basis
Upfront commission retained	Apply the quoted retention basis to expected annual lender upfront commission
Trail commission retained	Use the expected trail receipts for the year and the agreed retention basis
Fixed charges	Annualise membership and loan-writer charges under the quoted billing period
Software and usage	Identify included users and usage, then separate chargeable services
Support and add-ons	Record optional processing, marketing, training and other services
Minimums and volume conditions	Model the cost when forecast volume falls below the contractual threshold
GST and adjustments	Keep a consistent GST basis and show commission reversals or other deductions separately

Annual net commission is retained upfront plus retained trail, less aggregation charges and agreed operating add-ons. Clawbacks are commission reversals, so include a separate allowance based on your own book and the applicable schedules. The aggregator fees guide explains worked comparisons without substituting another provider’s terms for SFG’s quote.

As at October 2026, SFG’s own updates document professional-development events and lender networking. The platform provider’s SFG case study describes teams customising SFGconnect for broker businesses. Those activities support assessing SFG for training and platform help.

Match the service schedule to the staff you already have. A solo broker might need help configuring workflows and resolving application issues. A brokerage with an experienced operations manager might need administrator training and a defined escalation contact.

For compliance support, specify review frequency and who signs off a file. Processing support needs its own task list, access controls and charging basis. Marketing and business support need named deliverables, such as a training session or campaign material, so a broad promise doesn’t become an assumed outsourced role.

Trail, Data and Exit Terms

Trail rights, client-data control and exit obligations need to be settled in SFG’s written agreement before you join or move a book. Ongoing trail payments and the ability to transfer a trail book are separate rights. Record the clauses governing both.

Resolve these agreement questions with written answers tied to the relevant clauses.

• Identify who receives existing and new trail, whether it continues after termination and which deductions or conditions apply.
• Establish whether you can sell or transfer the book, whose consent is required and how transfer charges are determined.
• Define who controls client records, permitted marketing use and access for the brokerage’s staff or contractors.
• Specify exports of contacts, notes, documents and compliance records, with the available formats and charges.
• Record the notice period, termination events, restraints and any continuing financial obligations.
• Assign responsibility for live applications, outstanding lender conditions and settlements that occur after termination.
• Set the period of post-termination platform access and the process for retrieving records needed for complaints or audits.

Ask for a sample export description covering both structured data and attached documents. A contact list alone won’t preserve the file history your next system needs. The aggregator switching guide covers accreditation timing and live-file continuity during the move.

SFG is a suitable shortlist candidate if your brokerage wants Salestrekker-based operations and access across several finance disciplines. Proceed when your required lenders are available to your loan writers and the written package covers your staffing needs at an acceptable annual cost. Choose the wider mortgage aggregator comparison if you’re still deciding between networks.

Before signing, obtain the proposed agreement with its commission, service and exit schedules. Resolve any mismatch between the sales discussion and those schedules while you can still negotiate the terms.