Clawback calculator
Standard Australian sliding schedule: 100% clawback inside 12 months, 50% inside 24, zero after. Plug in your upfront and the months since settlement to see what is exposed.
Inputs
Most lenders use 100% claw inside 12 months, 50% inside 24, zero after. Some have variations — check your accreditation paperwork.
Exposure today
Trail AI flags clawback-window loans (12–24 months) automatically and surfaces them as C-grade in the valuation PDF so a buyer can see the risk explicitly.
Clawback is the upfront commission a lender can reclaim when a freshly-settled loan discharges early. This calculator applies the standard Australian 24-month sliding schedule so you can see, for a single loan, exactly how much is still at risk today.
For the mechanics — why lenders claw back, how the schedules differ, and what it means for your cash flow — read clawback risk explained. To see the income side of the same book, use the trail commission calculator.
- How does mortgage broker clawback work in Australia?
- Clawback is the upfront commission a lender recovers if a loan is discharged soon after settlement. The market-standard schedule claws back 100% of upfront if the loan repays within the first 12 months and 50% between 12 and 24 months, with nothing clawed back after two years. Some lenders run a straight-line taper instead, but the 24-month, 100%/50% structure is the common benchmark.
- Is trail commission clawed back?
- No. Clawback applies to upfront commission only. Trail commission already paid is not recovered — though it does stop the month the loan discharges, which is why losing a recently-settled client hurts twice: the upfront clawback plus the lost future trail.
- How can brokers reduce clawback exposure?
- The main lever is retention in the first 24 months — staying in front of recently-settled clients before they refinance away. Knowing which loans are still inside the clawback window, and how much each one exposes you to, lets you prioritise those conversations.
Want real numbers from your book?
Upload one aggregator statement. Trail AI pulls every loan, scores every refinance candidate, and produces a sale-value PDF in minutes — no spreadsheet.