A structured 24-month mentoring pathway that helps new brokers move from qualification to confident, compliant and independent business ownership — with experienced support on the files that matter.
Your next step depends on where you are today. Choose the option that best describes your position and we’ll walk you through what a realistic start looks like — the qualification, mentoring, aggregator and business decisions that shape a successful first two years.
Relationships and referrals that stay with your business.
02
Recurring trail income
An income stream that grows as your book accumulates.
03
Control over your time and business
Choose how you work, when you work, and who you work with.
04
Long-term, uncapped business potential
Grow at your pace — whether solo, with a team, or across multiple streams.
Why the first two years matter
Passing the course is only the beginning.
The qualification provides the foundation. The real challenge is applying lender policy, managing live files, meeting compliance requirements, building referral relationships and operating a new business.
Left to figure it out
Irregular access to support
Theory without live-file application
Delayed feedback
No defined milestones
Reactive learning
One person’s limited availability
Supported file by file
Reliable mentor access
Real-deal application
Pre-lodgement guidance
Structured progression
Planned skill development
Access to specialist experience
Program inclusions
Support built around real work.
Dedicated mentor access
Ask the question while the file is live — not weeks later in a scheduled session.
Exact access conditions and service standards are confirmed during onboarding.
Live-deal support
Talk to a mentor while a client scenario is on the desk.
Pre-lodgement file guidance
A second set of eyes before your file goes to the lender.
Loan structuring assistance
Structure and lender selection guidance for tricky scenarios.
Compliance and documentation guidance
Get the compliance mechanics right from your first file.
Weekly group training
Live sessions on process, policy and business development.
Business and referral-development support
Practical guidance on building an early referral base.
Templates, scripts and practical tools
Working documents you can use with clients from day one.
Six-month progression reviews
Structured check-ins that keep your development on track.
Broker Earnings Calculator
Estimate how your broker business could grow.
Enter your expected monthly settlements and average settled loan amount to view an estimated revenue projection across the first three years.
Enter your projection
files / mo
Typical new-broker range is 1–10 per month.
A$
Enter in Australian dollars (e.g. 600000).
Calculator assumptions
Upfront commission
0.65%
Annual trail commission
0.165% p.a.
Aggregator/Licencing Fees
15%
Projection period
3 years
Estimates only. Actual commissions, trail payments, aggregator and licencing arrangements, lender policies, commission splits, clawbacks, loan retention, operating expenses, GST and tax will vary. Results are not financial advice, an income forecast or a guarantee of earnings.
Upfront
Trail
Net (after fees)
Estimated net revenue — Year 1—
Estimated net revenue — Year 2—
Estimated net revenue — Year 3—
Estimated loan book after 3 years—
Estimated annual trail at end of Year 3—
Estimated cumulative net revenue (Year 1–3)—
Annual breakdown
Year
Settled volume
Upfront
Trail
Aggregator/Licencing fees
Net estimated
Meet the mentors
Not one perspective. A team of specialists.
Access to a team of experienced brokers and business owners — not a single point of contact. Every REFS mentor works on live files with new brokers every week.
Mentor
Debbie Hutchings
New-broker onboarding
Mentor
Belinda English
File quality & compliance
Mentor
John Adams
Complex loan scenarios
Mentor
Wayne Milner
Business development
Mentor
Louise Syphers
New-broker onboarding
Mentor
Eli Ajzenman
Pipeline & process
Mentor
Peter Clark
Business development & client engagement
5.0★Google review rating
22+verified reviews
150+years combined experience
7mentors on the team
What brokers say
Built for confidence in the real world.
The program provided a structured, supportive and practical framework that helped me build confidence and competence as a mortgage broker. My mentor was always approachable, thorough in her feedback, and genuinely invested in helping me develop as a broker.
Drew P.New mortgage broker · Verified Google review
There were so many things I didn't know that I needed to know, and my mentor consistently went above and beyond to equip me with the knowledge, tools and confidence to succeed. Having the right mentor truly makes all the difference.
Ryan R.New mortgage broker · Verified Google review
Choosing REFS for my new-broker mentoring has been one of the best decisions I've made in my career. My mentor is incredibly generous with time and knowledge — always available to talk through scenarios and walk me through the details step by step.
Mark K.New mortgage broker · Verified Google review
REFS Australia came highly recommended, and their service exceeded expectations — not just at a micro level, but at a macro level as well. It's helped me establish a valuable business that I am proud of.
Jonathan S.New mortgage broker · Verified Google review
The best in the business when it comes to mentoring brokers. Their experience, guidance and support have been invaluable in helping me start my career on the right foot.
Nick P.New mortgage broker · Verified Google review
From day one, the REFS team have been genuinely committed to my growth. Weekly training, live-file feedback and the ability to just pick up the phone — that combination is what makes the program work.
Sarah H.New mortgage broker · Verified Google review
Practical, structured and honest. My mentor helped me get my very first application through cleanly, and every deal since has been better because of the feedback loop the REFS program builds in.
Michael T.New mortgage broker · Verified Google review
I moved to REFS from another mentor and the difference was immediate. The pre-lodgement reviews alone are worth it — my files are stronger and lenders come back with fewer conditions.
Priya S.New mortgage broker · Verified Google review
Demo attribution shown here — sourced from public Google reviews on refsaustralia.com; final display attribution subject to reviewer permission.
*Compliance wording pending approval: new-to-industry brokers are generally required to complete an industry mentoring period during their first two years.
Start with a clear roadmap
Ready to talk about your first two years?
Tell us where you are now. We’ll help you understand the qualification, mentoring, aggregator and business steps ahead — whether or not you decide to proceed with REFS.
20-minute pathway call
Real advice, no hard sell
Australia-wide appointments
Book your call
Talk to a mentor this week.
Pick a time that suits you. Most calls are booked within one business day.
