How do I switch mortgage aggregators without losing income?

Run the transition in parallel: keep writing and settling through your current aggregator while your new aggregator handles setup, re-accreditation and data migration. With a managed transition this means zero revenue downtime — you only go fully live once the new platform and key lenders are ready.

What notice period applies when leaving an aggregator?

Notice periods are set by your aggregator agreement and commonly range from 30 to 90 days. Always read your agreement and, if unsure, seek legal advice before giving notice.

How long does it take to switch aggregators?

The core onboarding can be completed in around four weeks, while individual lender re-accreditations and trail transfers complete over roughly 2 to 12 weeks depending on the lender.

Will switching aggregators affect my clients?

No. Existing loans stay with their lenders on the same terms. Only the back-office routing of your commissions changes; clients are not affected and won't know unless you tell them.

Switching Guide9 min read · 1 March 2026

How to switch mortgage aggregators: the complete guide.

Changing aggregator sounds daunting — notice periods, lender re-accreditation, your trail book. Done properly, it's an administrative process with zero revenue downtime. Here's exactly how it works.

Bill Amarantos

Founder & Director, ExBanqi

Most brokers who are unhappy with their aggregator stay put for one reason: the switch feels risky. They imagine lost trail, a settlement drought, and weeks of administrative chaos. In reality, switching aggregators is a well-trodden, largely administrative process — and with a managed transition, you keep writing loans the entire time. This guide walks through every step.

Step 1: Review your current agreement

Before anything else, read your existing aggregator agreement carefully. You're looking for three things: the notice period (commonly 30–90 days), any clawback clauses on sign-on bonuses or incentive payments, and any conditions attached to trail after you leave. These terms are contractual and vary between aggregators. If anything is unclear, get your own legal advice before you give notice — it's cheaper than a surprise.

Step 2: Choose your new aggregator

Switching is only worth it if the destination is genuinely better. Compare candidates on the things that actually affect your business:

Fee model: split or flat fee? Model the real dollar cost at your volume — see our flat fee vs commission split breakdown.
Lender panel: breadth, and freedom from preferred-lender pressure.
Technology: is the CRM included, modern and actually good to use?
Lock-in: month-to-month keeps your new aggregator accountable.
Support: direct access versus a ticket queue.

New to comparing? Start with what a mortgage aggregator actually does, then the side-by-side comparison.

Step 3: Give notice and start in parallel

This is the step brokers fear most, and it's the most misunderstood. You don't stop working when you give notice. The professional approach runs the transition in parallel: you give written notice to your current aggregator while your new aggregator begins setup. Throughout your notice period, you keep writing and settling loans exactly as before. Nothing stops.

Step 4: Re-accreditation and data migration

Your new aggregator submits lender re-accreditation requests on your behalf and migrates your client and deal data into the new CRM. Re-accreditation timing varies by lender — major banks are typically fast, smaller and specialist lenders slower. A good aggregator prioritises your highest-volume lenders so you're productive on day one.

Stage	Typical timing
Platform setup & data migration	Week 1–2
Key lender re-accreditation	7–14 days
Go live on new platform	~Week 4
Trail transfer across all lenders	2–12 weeks

Step 5: Go live — and your trail transfers

Once your platform is configured and key lenders are active, you go live: new deals are submitted through your new aggregator. Meanwhile, trail on your existing book transfers lender by lender over the following weeks. Your trail book is yours and follows you — we cover the mechanics in detail in what happens to your trail book when you switch.

The brokers who switch successfully treat it as a project with a specialist running it — not a leap of faith taken alone on a weekend.— Bill Amarantos, Founder of ExBanqi

What about your clients?

Nothing changes for them. Existing loans stay with their current lenders on the same rate and terms. The only thing that changes is the back-office routing of your commissions. Your clients won't know you switched unless you choose to tell them — and most brokers do, framing it as an upgrade to how they run their business.

How ExBanqi manages the switch

At ExBanqi, a dedicated Transition Specialist runs the entire process — reviewing your agreement, submitting re-accreditation paperwork in the first week, migrating your data, prioritising your key lenders, and chasing every transfer so you don't have to. The result is a four-week onboarding with zero revenue downtime, after which you keep 100% of your commission for a flat $990/month.

The bottom line

Switching aggregators is a managed, administrative process — not a gamble. Read your agreement, choose well, run the transition in parallel, and let a specialist handle the paperwork. The fear of switching keeps far too many brokers paying for a model that no longer serves them. The process is solvable in about a month. The savings last for the life of your book.

Plan your switch in one conversation.

We'll map your lenders, your trail and your go-live date — confidentially. Zero revenue downtime, by design.

See the 4-week plan→Book a discussion