Illustrative record. Names and figures are a composite. The fields are exactly what you receive.
Call her Mel. Thirty-four, full-time, a townhouse in Ryde and a fixed rate that ends in November. She is not looking for a broker. She is looking for the answer to a question that has been sitting in her chest since the bank’s letter arrived: what actually happens to my repayments when this rate expires? She types it into Google at 7:38pm.
She lands on our piece about the fixed-rate cliff, the one that names the revert rates by bank and works the numbers on a $600,000 loan. She reads all of it. Then she does what most of our readers do next: she opens the refinance calculator and puts in her own figures. Loan $612,000. Property $940,000. Current rate, revert rate, a competitor rate she saw on our lender pages. The break-even comes out at just under five months.
By 7:41pm she is not a form fill. She is a person who knows what her problem costs, and has decided she does not want to solve it alone.
That is when she taps “Get matched”. Not because a quiz promised her a rebate. Because the site earned the right to ask. She fills in the loan detail, her postcode, her employment and income, and ticks two boxes: one for the privacy policy, one that says a licensed broker will contact her about this enquiry. A confirmation screen tells her a broker will be in touch within one business day. An email says the same, and reminds her it is free and she can walk away.
Four minutes later the docket is in your inbox. Everything Mel told us, the article she read, the calculator she ran, and how she found us. One copy. Yours. And when you ring at 8:05am, she is expecting you.
A shared, ad-generated form fill with no consent trail and no context is a cold call with a name on it. Nine rows, no spin, including the two where we tell you what we do not do.
Every enquiry arrives as a single, scannable record: contact details at the top, the loan detail beneath, the traffic source in its own box so you know exactly what the borrower has been reading. This is the actual layout of the email, field for field.
And on the borrower’s side: before the form submits they tick two boxes in plain words, the privacy policy and “the licensed broker partner will contact me to discuss options”. Straight after, a confirmation screen and a confirmation email tell them a licensed Australian broker will call within one business day, that the first conversation is a soft assessment with no credit check, and that it is free and there is no obligation. They are expecting you before you dial.
| Name | Melissa (illustrative) |
| Phone | 04xx xxx xxx |
| m.…@… | |
| Loan type | Home Loan, refinance |
| Loan amount | $612,000 |
| Property value | $940,000 |
| Postcode | 2112 |
| Employment | Full-time |
| Annual income | $135,000 |
| Residency | Australian Citizen |
| Privacy policy accepted | Yes |
| Enquiry consent given | Yes |
| Source page | /news/fixed-rate-cliff-revert-rate-trap-june-2026 |
| Submitted at | 11/08/2026, 7:41:52 pm AEST |
Illustrative. Layout is the live template; details are a composite.
Purchase, refinance, first home, investment, construction. They come off the fixed-rate cliff pieces, borrowing power, stamp duty, LMI, and the lender reviews that rank for the banks by name.
New and used cars, utes, caravans, EVs. Readers arrive from dealer-finance-versus-broker comparisons, novated lease explainers and specific lender reviews.
Chattel mortgage, equipment loans and leases across trades, transport, agriculture, medical and hospitality. The equipment cluster ranks for the lender and product terms brokers actually get asked about.
Working capital, unsecured business loans, invoice finance, commercial property. Owner-operators who read the fee and rate trade-offs before they asked anyone anything.
Debt consolidation, renovation, the larger purchase. Lower volume, and only sent to brokers who actually write personal lending.
Occasional commercial property, SMSF and specialist enquiries surface from the investment and business coverage. Allocated one at a time to partners who have told us they write them.
Readers trust this site because it names the trade-offs. Brokers should get the same treatment. So before the terms, the limits.
You will read "20 to 40%" on other pages. We do not know your panel, your call speed or your follow-up cadence, and neither do they. We will tell you what our partners report, by lead type, once you are one.
Enquiry flow follows what Australians are searching for this month, and that moves with the cash rate. We quote a realistic weekly number for your area before you spend a dollar, and we revise it out loud.
We do not ring every borrower before you do. What you get instead is a consent trail, a postcode, real detail, and a reader who was told, twice, that a licensed broker will call. If you want phone verification, say so and we will scope it honestly.
If a record is a wrong number, out of your area, or already mid-application somewhere else, it was not a lead. Flag it inside seven days and it is replaced without a conversation about it.
No monthly platform fee, no retainer, no minimum spend, no lock-in. The per-lead price depends on lead type, state and the weekly volume you want. Register and we quote your mix in writing within one business day.
You pay for delivered, in-scope enquiries. No platform fee, no retainer, no set-up charge. Priced by lead type, state and the weekly volume you want; quoted in writing before anything starts.
Month to month from the first lead. Raise your cap, lower it, or pause the moment your pipeline is full. We would rather keep you because the leads settle than because a contract says so.
Wrong or disconnected number, outside your nominated postcodes, or a borrower who tells you they are already mid-application elsewhere: flag it within seven days and it is replaced.
Weekly or monthly caps, per lead type, per state. Delivery by email within minutes of submission, or straight into your CRM by webhook or API if you tell us where to send it.
We are not trying to sign up every brokerage in the country. Readers trust the site because it tells them the truth about lending, and the broker on the other end of the enquiry has to hold that trust up. So we vet, and we say no, and the ones we say yes to get a supply that is worth protecting.
You are not filling out a form into the void. Andy reads every registration, checks the licence, and calls to talk through availability, pricing and how you want the dockets delivered.
Tell us about your business and the areas you service. We reply within one business day with availability, volume and pricing.
Volume follows population, so Sydney, Melbourne, Brisbane and Perth produce the most; regional partners tend to see less competition and better settlement rates. Nominate a region as narrow as you like. Looking for the consumer side? Borrowers can find a mortgage broker by city or ask to be matched.
Straight answers on exclusivity, qualification, pricing, delivery and who can register.
Register your states and lead types. Within one business day you will have availability and a written per-lead price for your mix, and you commit to nothing until you say so.