Your Mates Rates mortgage broker is a salaried professional and does not receive commission, however Mates Rates as a business does. The table below lists the commission Mates Rates expects to receive when we arrange your mortgage.

Remember, 100%** of trail commissions is paid back to you each month as mortgage rebates (excluding GST).

Your dedicated Mates Rates broker is a full time professional and does not work on a commission basis

Upfront – 0.66% Trail – 0.17% year 1+	Upfront – 0.6325% Trail – 0.15% years 1-3 0.20% year 4+
Upfront – 0.55% Trail – 0.15% years 1-2 0.20% year 3, 0.22% year 4+	Upfront – 0.65% Trail – 0.15% Year 1+
Upfront – 0.55% Trail – 0.00% year 1 0.20% year 2 +	Upfront – 20% of the fee collected for Short Term Guarantee 15% of the fee collected for Long Term Guarantee NO TRAIL
Upfront – 0.60% Trail – 0.15% year 1+	Upfront – 0.55% Trail – 0.15% years 1 and 2 0.20% year 3, 0.25% year 4+
Upfront – 0.55% Trail – 0% year 1, 0.15% year 2 0.20% year 3, 0.25% year 4 0.30% year 5, 0.35% year 6	Upfront – 0.55% Trail – 0.15% years 1, 2 and 3, 0.20% year 4+
Upfront – 0.55% Trail – 0.22% year 1+	Upfront – 0.60% Trail – 0.15% year 1 +
Upfront – 0.60% Trail – 0.00% year 1+	Upfront – 0.60% Trail – 0.20% year 1+
Upfront – 0.55% Trail – 0.15% year 1+	Upfront – 0.50% Trail – 0.15% years 1, 2 and 3 0.20% year 4+
Upfront – 0.55% Trail – 0.20% year 1+

Please Note: Commission quoted exclude GST.  There may also be upfront bonuses paid for Conversion Ratios, File Quality, Online Lodgement and any other item the bank may deem.  This upfront Bonus will be retain by Mates Rates Mortgage Brokers and can be confirmed if required after the commission is received.

** As of Monday 16th January 2012, Mates Rates Mortgage Brokers will charge a $5.00 monthly administration fee to maintain each monthly payment of the Cashback/Rebate to your nominated account.  Multiple loans will be made as a single payment to your nominated account and will incur a single fee.   Multiple payments will incur the administration fee for each individual payment.  Payment of the fee can be deducted from the rebate payment each month or charged to your nominated Mastercard or Visa card.

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Property Location: ---New South WalesQueenslandVictoriaACTWestern AustraliaNorthern TerritorySouth AustraliaTasmania	Loan Purpose: ---Purchase PropertyInvestment UseConsolidate DebtGet a Better LoanOther	Preferred Quality: ---5 Stars Only4 Stars or More3 Stars or More2 Stars or More1 Stars or MoreDon't care	Funds Required: ---4-8 Weeks2-3 MonthsPre-approval Only
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Preferred Lender types:  Banks Building Societies Credit Unions Mortgage Originators

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