Industries/Financial Services/Mortgage Brokers

Mortgage Brokers.

ACL, best-interests duty and aggregator agreements for brokers.

Who we advise

Mortgage brokers sit under the Australian Credit Licence regime and the best-interests duty in the National Consumer Credit Protection Act. We help brokerages structure their licensing, aggregator relationships, referral arrangements and client-facing documentation so growth doesn't outpace compliance.

What we do for mortgage brokers

• ACL & credit rep setup

  Licence applications, credit representative agreements and responsible manager arrangements.

• Aggregator agreements

  Review and negotiation of aggregator terms, clawback and exit provisions.

• Client documentation

  Credit guides, credit proposals and best-interests-duty compliant file templates.

• Referral & marketing

  Referral agreements with realtors, accountants and financial advisers; marketing compliance.

Examples we're pulled in on

• ACL applications, variations and credit representative structuring
• Best-interests duty file notes and evidence trails
• Aggregator agreements, clawback and commission disputes
• Referral arrangements with real estate agents and accountants

FAQs

Do I need my own ACL or can I be a credit representative?

Both work — the choice depends on volume, aggregator relationships and appetite for compliance overhead. We advise on the trade-offs.

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