Why Get A Commission Advance

Why Use A Mortgage Broker Commission Advance Service

Mortgage Factor’s advance commission service takes the stress out of managing your cash flow by giving you immediate access to your outstanding commission payments.

Created based on decades of experience in the property market, Mortgage Factor is designed specifically to meet the unique challenges that mortgage brokers face – we know it can be tough to cover operating costs and grow your business while you’re waiting up to 90 days for your commissions.

Fast, flexible and affordable, Mortgage Factor allows you to access your outstanding commission payments within 4 hours. There’s no sign-up cost, no annual fees and no lock-in contracts – just pay for what you use, whenever you need it.

Peace of mind

No longer focused on securing cash, you can focus more on closing the next loan.


Fast and efficient

Members are free to access their commissions owing within 24 hours. All completed via a secure online portal.


Business planning

Certainty of commission payments lets you plan for the future.

Business growth

With your cash flow secured, you’ll be primed to pursue new opportunities.

Our Process

We understand that the big banks can be less than helpful when it comes to supporting you with managing your cash flow and providing access to funds when you need it most. It can be frustrating dealing with rigid terms and conditions, an endless amount of fine print and the stress of a bank loan. That is why we have simplified the process of accessing your commission entitlements.

Activate your membership

Contact Mortgage Factor on 02 9931 6853 to activate your free online account. You’ll receive our standard commission assignment documentation to complete, sign and return to us.

Submit an advance request

Log in to your account to request an advance. You’ll be asked to nominate the amount you require and upload supporting documentation. Once complete, funds will be available in your account within 24 hours.


Simply repay the funds you received as an advance following settlement.

When To Apply For A Mortgage Commission Funding Advance

Mortgage Factor understands the challenges that brokers face. Loan sales don’t always occur on a consistent schedule, but business expenses never slow down!

We offer a simple solution to the age-old challenge of a mortgage brokerage business of trying to match regular bills and commitments with irregular commission cash flow.

Delayed home or investment loan sale

Sometimes we rely on an upcoming mortgage broker commission payment. If delayed, you can fill the gap with a commission advance.

Staff wages and super payments

If cashflow is tight at the end of month and you need to pay salaries.

End of financial year and BAS time

You have an ATO debt that you would like to clear up as soon as possible.


Pay bills

If your bills are pilling up, you are free to access your pending commission entitlements within 24 hours.


Slow patch

If cash flow is getting tight and your business has hit a slow period.

Attract Talent

Position yourself to offer payments upfront, you’ll attract the best talent.

What It Costs

We’re big believers in transparency. If you’d like to know more about our fees, you can calculate the cost of your own advance by entering the details into the below form.

Mortgage Factor’s Rates

Mortgage Factor was created to be flexible and simple to use. With no sign-up cost, no annual fees and no lock-in contracts, you only pay for what you use.

We’re property specialists who focus specifically on cash flow solutions for mortgage brokers. Our clients enjoy the most competitive rates on mortgage commission advances in Australia, guaranteed. We offer an affordable fixed daily rate with no additional fees.

Price Beat Guarantee

We’re committed to providing mortgage brokers with the best value possible with a price beat guarantee. We believe that our service and fees are the most competitive available and we pride ourselves on standing by this.

As soon as you become a pre-approved member, you will have immediate access to this offer and the peace of mind that you’re enjoying the best rate on the market.

This is our guarantee: If any genuine competitor offers you an advanced commission rate that’s lower than ours, we will beat it by 10%.

To see Mortgage Factor’s rates use the rate calculator on this page.

Fast, flexible and affordable finance

It Really Is This Simple

It Really Is This Simple

Sell a home or investment loan

Once you have sold a home or investment loan, you have a decision to make.


It is your choice

Do you want to get paid now, or do you want to wait 30, 60, 90 days or even longer?

Apply for mortgage broker funding

Simply log in to your online account to request an advance commission.

Receive funds within 24 hours

Your funds will be available in your account within 24 hours.



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