Industries/Financial Services/Mortgage Brokers
Mortgage Brokers.
ACL, best-interests duty and aggregator agreements for brokers.
Overview
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.
Where we're pulled in
Common challenges.
- 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
How we help
Services tuned 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.
FAQs
Questions we hear often.
- 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.
Keep reading
Related insights & professions.
Related professions
Talk to us
Legal built for mortgage brokers — financial services.
Send us a note about what you're working on. We'll respond within one business day and, if we're a fit, book a free 15-minute consultation with a senior lawyer.