Conflicts of interest and Commissions

On settlement of a mortgage we usually receive commission from the applicable product provider. The commission is generally of an upfront nature but may also include a trail commission. We also receive a fixed rate roll over fee from some product providers if we assist in refixing your loan. We manage these conflicts of interest by:

• Always recommending the best product for your purpose regardless of the type and amount of commission we will receive.
• Ensuring the amount of any loan is in accordance with your identified needs.
• Providing you with the below table showing commission rates and types by product provider The commission we receive on loans is calculated as a percentage of the loan.

As soon as we know the type of loan and amount we are putting in place, and that it has been accepted by the lender, we will let you know the amount and frequency of the commission received. We can also receive a referral fee or commission if we refer you to our referral partners.