Mortgage aggregation,
answered straight.

A mortgage aggregator sits between a mortgage broker and the lenders. It holds lender accreditations, provides the CRM and lodgement technology, manages compliance under a credit licence, and pays brokers their commissions. In Australia, most brokers operate under an aggregator to access a full lender panel.

Traditionally, aggregators take a percentage split of your upfront and trail commissions (commonly 5–20%), often plus a monthly aggregation fee, a separate CRM subscription, marketing levies and per-transaction charges. ExBanqi instead charges a single flat fee of $990/month with no commission split — see the pricing breakdown.

A flat-fee aggregator charges a fixed monthly subscription instead of taking a percentage of your commissions. ExBanqi charges $990/month + GST flat, so you keep 100% of upfront and trail regardless of how much you write.

The best aggregator depends on your volume, the lender panel you need and how you want to be charged. For established brokers writing serious volume, a flat-fee model like ExBanqi is typically the lowest-cost option because the fee doesn't scale with your success. ExBanqi pairs flat-fee economics with SFG's 70+ lender panel and institutional governance. Run the numbers on the savings calculator.

Traditional aggregators take a percentage split of your commissions. ExBanqi charges one flat monthly fee of $990 instead, so you keep 100% of upfront and trail — with no splits, no lock-in contracts, no volume tiers and no separate CRM bill.

A lower split is still percentage-based — they profit every time you do. ExBanqi is $990/month + GST flat, the same fee whether you write $2M or $200M, so your upside is entirely yours.

Yes. ExBanqi takes no split of upfront or trail. You keep 100% of both and pay only the flat $990/month subscription.

Month to month. There's no fixed term and no exit penalty. You stay because the model works, not because you're contractually stuck.

No. The fee is a flat $990/month + GST — no commission splits, no volume tiers, no CRM add-ons and no hidden fees.

SFG's standard aggregation model is different to ExBanqi's. ExBanqi combines SFG's institutional infrastructure — 70+ lenders and decades of governance — with flat-fee economics and ex-banker support that aren't available through SFG directly.

SFG Connect, powered by Salestrekker 2.0, is included in the $990/month — AI submission notes, custom workflows, multi-gateway lodgement, a branded client portal, e-signatures and 50+ integrations. No separate CRM fee. See the platform.

70+ lenders across residential, non-bank, specialist, commercial and asset finance, accessed through SFG accreditation — with no preferred-lender pressure and no white-label push. See the lender panel.

No. Accreditations are transferred through a managed re-accreditation process, with your most important lenders prioritised and live within 7–14 days. Full panel access follows. Nothing is lost — it's sequenced.

About four weeks. A dedicated Transition Specialist manages data migration, lender re-accreditation and platform setup while you keep writing and settling loans — designed for zero revenue downtime. See how switching works.

No. The transition runs in parallel with your existing aggregator, so you keep writing and settling throughout. Zero revenue downtime is the design goal.

It's yours — 100% — and it follows you. There's no clawback on existing trail, and from day one every new trail dollar is yours in full, every year.

Your Transition Specialist manages it. Pre-switch submissions are maximised, urgent deals get priority, and nothing falls through.

ExBanqi is for established independent brokers actively writing loans who own their trail book and want to own their economics. Intake is selective to protect execution quality — it isn't for brokers new to the industry, or for franchise groups and corporates. Not sure? Take the readiness scorecard.

Start with a confidential discussion, or run the savings calculator and scorecard first. If your numbers and mindset align, ExBanqi maps your lenders, trail and go-live date and manages the four-week switch.