Fills a silent window
A helpful touchpoint beats another document request. The weeks before settlement are when the client is most receptive and your contact is most welcome.
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Once a loan is approved, most brokers go quiet until settlement. The client, meanwhile, is working through the longest to-do list of their year.
This page covers how the mortgage broker referral partner program works, what it earns, the admin it adds and how it sits with your credit licence.
20+ retailers and providers compared for every client you refer
The mortgage broker referral partner program fills the gap after approval: you send one message, and we connect the client's utilities before settlement.
The window between unconditional approval and settlement typically runs 30 to 90 days, and for most brokers it is silent. It is also exactly when the client needs utilities connected before settlement, so one short message gives you a genuine reason to be in touch that is not another request for documents.
Brokers now arrange most Australian home loans. Cotality data commissioned by the Mortgage & Finance Association of Australia put brokers' share of new residential loans at a record 81.6% in the June 2026 quarter, so your relationship is often the client's main one through the purchase (checked September 2026).
Broker retention drops sharply after settlement when there is no touchpoint. A connection call in the quiet weeks is remembered, and it is attributed to you rather than to a retailer.
You earn an agreed commission on each service that connects for a client you refer, paid monthly per completed connection and separate from your trail.
A utility connection referral for mortgage brokers is paid on connections that complete, not on names passed across. The estimator works per settled loan, assuming a conservative share of clients take it up.
Your client is never charged, so there is no conflict to manage in the conversation. The client pays only the advertised rates of the retailer they choose, and that retailer remains subject to the consumer protections overseen by the Australian Energy Regulator (checked September 2026).
Commission is itemised per client each month, so it reconciles easily alongside the upfront and trail statements from your aggregator. The same commission basis applies across every partner type in the full partner program, whether you refer the occasional purchaser or build the message into every settlement workflow for us to manage on your behalf.
The estimator at the top of this page treats each settled loan as one move, assumes a conservative share connect, and applies two services at an indicative rate. Your real schedule comes in writing.
| What triggers payment | What does not | When it is paid |
|---|---|---|
| A connection that completes and stays active through the qualifying period | A referral that does not convert | Monthly with a statement per client |
| Each service connected (electricity, gas, internet) | A client who declines | Monthly |
| Both residential and commercial where applicable | A duplicate or test referral | Monthly |
Services we offer your clients
A reason to contact the client that is not a document request matters more to a broker than the commission, because it keeps you front of mind.
Mortgage broker value add services usually cost time: a review, a rate check, a follow-up call. This one takes a single message, and the specialist team does the rest.
It is also a clean handover. There is no product, no quote and no advice involved, so it sits comfortably beside the credit assistance you have already provided.
A helpful touchpoint beats another document request. The weeks before settlement are when the client is most receptive and your contact is most welcome.
The service is free to your client, so there is nothing to pitch and no conflict to manage in the conversation.
Your message simply introduces a specialist, who calls the client, compares the retailer panel for the new address and books the electricity connection, along with gas and internet if the client wants them, while you stay focused on getting the loan across the line.
Mortgage broker additional revenue that arrives on top of your existing trail, paid monthly and itemised per client. Adding a short line about our connection service to your approval email is usually all it takes, because the client can call or click through in their own time once the settlement date is set.
Co-branded communications mean the client associates the help with you. Utility connections for home loan clients become part of your service, not someone else's.
Clients remember who made the move easier, and that memory matters when the fixed rate expires or they buy again. Pointing them to a clear list of what a client is juggling before settlement reinforces that you are thinking about the whole move, not only the loan you arranged for them at approval and settlement.
An independent connection service compares more than 20 retailers for the client's new address instead of steering them to one retailer's products.
Some connection services a client might be offered during a purchase are owned by an energy retailer, and say so in their disclaimers. Ask who owns the service you would be putting your name to, then see how the connection services compare on ownership, panel size, commission terms and whether the old address is disconnected in the same call to the client.
For post settlement services, a mortgage broker's reputation rests on the recommendation holding up. Clients can test any recommendation against Energy Made Easy, the government comparison site run by the Australian Energy Regulator (checked September 2026).
| Feature | Independent | Retailer-owned |
|---|---|---|
| Compares across retailers | 20+ on the panel | Check their disclaimer |
| Owned by an energy retailer | No | Sometimes |
| Commission schedule in writing | Before you sign | Usually on request |
| Exclusivity required | None | Varies by agreement |
| Old address disconnected | Yes | Often not included |
Describes retailer-owned service models generally, not any single provider.
Is your current service owned by an energy retailer?
How many retailers does it compare per address?
Is the commission schedule in writing before you sign?
The same model across partner types
The conveyancer works to the same settlement date you do, and often sends the client a pre-settlement checklist in the same weeks. Look at how this works for conveyancers, so the two of you agree who sends the connection link and the client is only contacted once about their services.
Clients who use a buyer's agent often buy interstate or sight-unseen, and they rely on their broker and agent to close every gap. Reading how this works for buyer's agents shows how connections are arranged for clients who cannot attend the property, which is exactly where your client will need the most help.
The selling agent and the property manager both see the move coming, and many agencies already refer clients for utilities. It helps to understand how this works for real estate agencies, so your message and the agency's welcome pack point your shared client to the same independent service rather than two.
A benefit for referring a client generally needs to be disclosed, and how that applies depends on your credit licence, your authorisation and your aggregator policy.
The arrangement in writing with the commission schedule, plus disclosure wording for your licensee to review.
Advise you on your obligations. This is general information, not legal advice.
Credit licensees and authorised credit representatives have obligations around referral arrangements, conflicted remuneration and disclosure. ASIC sets out the credit licensing and conduct obligations that apply, and the detail is worth confirming with your licensee before you begin (checked September 2026).
Utility connection is not a credit product and the service is free to the client, but a benefit received for a referral still needs to sit inside your compliance framework. The MFAA and the Finance Brokers Association of Australia both publish member codes worth reading alongside your licensee's policy.
Handled openly, a disclosed referral supports mortgage broker client retention rather than complicating it. This is general information, not legal or compliance advice.
We may receive a commission if you choose to connect your utilities through our referral partner. You are free to use any provider.Example disclosure line, to adapt with your licensee
The best time to refer depends on the settlement date, because some services need more lead time than others. Sharing a short explanation of how long connections take before settlement with your approval email helps the client act early, while there is still time to book everything properly before the move.
We call back within one business day. Nothing to sign to have that conversation.
The weeks before settlement will be busy for your client either way. Send one message and the call, the comparison and the booking are handled, with commission on each connection. Start with a single referral to Move-In Connect and see how it runs.