Underpayments
Paid, but not paid correctly
Different lenders calculate differently — net-of-offset windows, split loans, rate changes by settlement date. A payment that's a few per cent light looks exactly like a correct one.
Learn moreCommission intelligence for Australian mortgage brokers
Never miss a dollar of commission.
CommissionsIQ tracks every upfront and trail payment, flags underpayments and clawback risk, and shows exactly how your loan book is performing — built for Australian mortgage brokers.
Powered by LoanXIn use by mortgage brokerages today
Portfolio performance · Upfront & trail commission · Risk detection — one platform
Product tour
See CommissionsIQ in action
From portfolio performance to the dollar-level detail — and the alerts that catch what you'd otherwise miss. Click through the three views brokers use every day.
Your whole loan book, live.
Loan value, volume, retention and 12-month settlement trends across every broker — updated as data comes in, and filterable by broker or financial year.
- ✓Portfolio KPIs at a glance
- ✓12-month settlement trend line
- ✓Management & broker views in one place
Portfolio Overview
Real-time insights and key performance indicators
Loan Value
$256.56M
↗ +0.5%
Loan Volume
512
↗ +1.6%
Retention Rate (YTD)
25.2%
Clients Gained
19
Settlement Trends
12 months settlement loan value
Every upfront and trail dollar, projected.
Commission income YTD, average monthly trail and annualised projections — with upfront versus trail broken down month by month, so you always know what's landed and what's coming.
- ✓Upfront + trail split, month by month
- ✓AI-powered annualised projections
- ✓YTD income, avg trail, growth at a glance
Total Commission
Monitor upfront and trail commissions with AI-powered projections
Commission Income (YTD)
$1.37M
↗ +8.4% growth
Upfront Commission YTD
$1,023,427
↗ +6.1% YTD
Avg Monthly Trail
$28,489
↗ +2.3%
Growing
Annualized Commission
$963.97K
↗ Projected
Upfront vs Trail Commission
UpfrontTrail
It flags what you'd miss.
CommissionsIQ scans your portfolio for trail payment differences, variances against what appears expected, and clawback risk — and surfaces refinancing opportunities — so nothing slips through unnoticed.
- ✓Trail discrepancy & variance alerts
- ✓Clawback & portfolio risk flags
- ✓AI-identified refinancing opportunities
Risk Alerts & Opportunities
Critical alerts for commission losses, portfolio issues and growth opportunities
↗ View
ⓘ MEDIUM★ Action RequiredNew
Trail Payment Discrepancy
◐ Jordan Avery
NAB trail lower than expected — current variance is 14.2%
↗ View
ⓘ MEDIUM★ Action Required
Trail Payment Discrepancy
◐ Priya Nair
ANZ trail lower than expected — current variance is 11.8%
↗ View
ⓘ MEDIUMOpportunity
Loan Balance Refinancing Opportunity
◐ Northbridge Super Fund
Loan balance dropped 12.4% — potential refinancing opportunity
What it catches
The money you're not seeing
Commission rates are broadly standardised. Calculation methods aren't — and that gap is where the money goes.
Payments that stop
The hardest error to spot is an absence
A wrong payment leaves a row you could check. A trail payment that stops leaves nothing behind — and a missing $80 a month is invisible in a deposit that varies anyway.
Learn moreClawback exposure
A liability you're carrying right now
Every settlement carries a contingent liability for up to two years. If upfront is treated as clean profit, a refinancing wave collects the difference from months that didn’t earn it.
Learn moreHow it works
How it works
Start with the statements you already receive. No system access, no waiting on your aggregator.
Step 1: Bring in your commission data
Work from the commission statements you already receive — upload them as Excel or CSV files.
Step 2: Every payment is reconciled
Each payment is reconciled against what your aggregator statements say you were due — automatically, per loan.
Step 3: See what needs attention
Variances, missing payments and missed stepped-trail increases are flagged, alongside clawback exposure across the book.
Commission calculator
Model a loan in ten seconds
Upfront, trail and what a clawback would cost — free, no signup, nothing leaves your browser.
- Upfront commission
- $3,900
- Cumulative trail — 5 years
- $4,351
- Total over 5 years
- $8,251
Excluding GST. Trail is shown over a 5-year expected loan life — not the loan term. Estimates on an indicative amortisation (30-year term at 6.00% p.a.) — verify against your aggregator’s current schedule.
Made for this market
Built for how Australian commission actually works
Generic finance software isn't built around net-of-offset, stepped trail and clawback windows. These are the things a commission tool has to get right in this market.
Net-of-offset
Upfront is generally calculated on the drawn amount less offset — and the measurement window differs by lender.
Stepped trail
Where trail rises on anniversaries, an increase that never applies looks exactly like a correct payment.
Clawback windows
Structures now vary — monthly tapers, shortened windows, some products with none.
Aggregator splits
What the lender pays isn't what lands. Verification means checking both the lender's calculation and the split applied to it.
Explore the product
Explore the product
Commission tracking
Every upfront and trail payment across your lenders, in one place.
Learn moreClawback visibility
See clawback exposure and early warnings across the book.
Learn morePerformance analytics
Dashboards for loan book, broker and lender performance.
Learn moreData imports
Work from the statements you already receive — structured file uploads.
Learn morePricing
Simple pricing
Plans for solo brokers, growing brokerages and enterprise portfolios.
Starter
$49.95+ GST
per month
For solo brokers getting on top of their commissions.
Professional
$99.95+ GST
per month
For growing brokerages that need the full picture.
Enterprise
Custom pricing
For enterprise portfolios and aggregator-scale books.
14-day free trial. No credit card required.
FAQ
Common questions
What does CommissionsIQ actually do?
CommissionsIQ brings your upfront and trail commission data into one place, so payments can be reviewed side by side, differences stand out, and gaps and clawback exposure are surfaced for review — built for Australian mortgage brokers, brokerages and aggregators.
Do I need to connect my aggregator?
No integration is required. You work from the commission statements you already receive — nothing to set up with your aggregator, no IT involvement, and you can start today. Where a provider can grant approved API access, we can connect on our side.
How is this different from a spreadsheet?
A spreadsheet records what you type into it. CommissionsIQ reconciles what your aggregator statements say you were due against what actually arrived, and flags what a manual check misses — stopped payments, missed stepped-trail increases, and clawback exposure across the whole book.
What data do I need to get started?
Just the commission statements you already receive, uploaded as structured files. No system access and no integration is required to start.
Is my data secure?
We take the security of your commission data seriously. Our security details are published on our Security page.
How much does it cost?
Three plans, billed monthly in AUD plus GST: Starter at $49.95, Professional at $99.95, and custom-priced Enterprise. Every plan starts with a 14-day free trial — no credit card required. See pricing for the full comparison.
See what your statements aren't telling you
Bring in a statement and see how your commissions line up — in the live app today.