Trail commission calculator
Punch in your book balance and average trail rate. We will show your annual income — ex-GST and inc-GST — and the impact of even a small rate move.
Inputs
15bps ≈ 0.15% p.a., the AU residential trail standard. Typical range is 10–25bps.
Estimated income
A real broker's rate varies per lender + product. Trail AI uses the actual paid amount per loan from your aggregator statement, not an average.
This is a quick estimate of the trail commission an Australian mortgage broker earns across a residential loan book. Trail is the ongoing slice of commission a lender pays for the life of a loan — small per loan, but it compounds into the bulk of a mature broker's recurring income.
The number here is a point-in-time snapshot. To track what your book actually pays month to month — and to catch the trail that silently drops off — you need to reconcile your aggregator statement loan by loan. See how to find missing trail commission, then estimate what the whole book is worth with the trail book valuation calculator or check your downside exposure with the clawback risk calculator.
- How is mortgage broker trail commission calculated?
- Trail commission is an annual percentage of the outstanding loan balance, paid monthly. The rough annual figure is your total book balance multiplied by the average trail rate — for example, a $50m book at 0.15% (15 basis points) pays about $75,000 a year ex-GST. Because trail is paid on the reducing balance, the real figure drifts down as loans amortise and clients refinance away.
- What is a typical trail commission rate in Australia?
- Most Australian lenders pay residential trail in the 0.10%–0.20% per annum range (10–20 basis points), with 0.15% being the common midpoint. Rates vary by lender, product, and the year the loan settled, so the average across a real book usually sits a little under the headline rate.
- Is trail commission paid on top of GST?
- Trail is paid to your aggregator, who pays you via a Recipient Created Tax Invoice (RCTI) that includes GST where you are registered. This calculator shows both the ex-GST and inc-GST figures so you can sanity-check what actually lands in your account.
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.