About Australian Finance Group (AFG)

One in every nine Australian residential mortgages is settled by an AFG broker. AFG's own dashboards cover settlement, compliance and BDM workflows; TrailScope sits beside them as the analytics, retention and forecasting layer.

How commission reaches an Australian Finance Group broker

Commission does not come to an AFG broker from the lender. The lender pays AFG, AFG applies your agreement, and what reaches you arrives on a monthly recipient-created tax invoice — the trail report the AFG statement guide walks through column by column. Upfront is a one-off percentage of the settled amount (Australian lenders commonly pay in the 0.55–0.715% range including GST, varying by lender and product); trail is a monthly percentage of the outstanding balance, typically around 0.15% a year, paid for as long as the loan stays with the lender.

The AFG layout is row-typed: one COMMISSION column carries upfront, trail and clawback amounts alike, and a COMMISSION_TYPE value on each row says which it is, with COMMISSION_INC_GST alongside. That is why an AFG file cannot be summed by column — a clawback row is a negative you must route, not a commission you can add — and why TrailScope splits AFG rows by type before anything is stored. On Upfront rows the LOAN_AMOUNT column is the settled principal; on Trail rows it is the period-end balance. Same header, two meanings.

Three things are set by your aggregator agreement rather than by the lender, and they are where two brokers on the same panel end up with different numbers: the split model (a percentage of every commission, or a flat monthly fee with 100% pass-through), whether trail keeps paying if you move aggregators, and how clawbacks are passed through — netted from the next run, or invoiced. Know all three before you compare your figures with anyone else's.

Whichever column layout you have, book the GST-inclusive figure as the commission and treat the ex-GST twin as a working number — the GST guide shows why recording the exclusive column understates a book by 9%. The lender clawback schedule covers what each lender reclaims on early discharge, and the trail commission calculator projects what one loan pays over its life.

How TrailScope handles your Australian Finance Group (AFG) data

First-class support — TrailScope ships with the AFG Residential Lender Clawback Summary embedded (54 lenders × 8 three-month bands covering months 0–24). The AFG trail export drops straight into the upload pipeline; the calculator's row-typed COMMISSION column is auto-detected and split into trail, upfront and clawback before storage.

Typical workflow

Most AFG brokers we work with run the monthly trail export through TrailScope on the same day AFG emails it. The portfolio dashboard, lender-concentration view and clawback exposure forecast are typically the first three screens they open after upload.

What you get on top of the aggregator

  • Retention scoring — per-loan risk score from 8 weighted factors (settlement age, fixed-expiry proximity, rate-vs-market gap, equity, engagement, loan size, repayment anomaly, tenure).
  • Refinance risk alerts — fired on rate-gap drift, fixed-expiry roll-off 90/60/30 days out, and CCR enquiry signals cross-referenced against your client list.
  • Clawback exposure forecast — 30/60/90-day at-risk dollar figure based on the actual per-lender clawback schedule, not a generic 24-month assumption.
  • Trail income forecasting — 12/24/36-month projections with adjustable churn, rate and clawback-rate assumptions.
  • AI insights — bring-your-own Anthropic, OpenAI or Gemini key. Aggregate-only context — names, emails, phone, DOB and free-form notes are stripped before any prompt leaves the workspace.
  • PDF reports — 6 fixed reports plus a DIY custom-report builder, all in TrailScope branding.

Pricing

TrailScope is free. There is no cost to create a workspace and no cost to use it — every feature, your whole book, no credit card at sign-up. See the pricing page for the detail.

Getting started

Create a free account, upload your most recent Australian Finance Group (AFG) commission export, and the dashboard, retention scoring and reports are ready inside five minutes. TrailScope is free to use and there's no credit card at sign-up.

Related reading

FAQ

Does TrailScope work with AFG's row-typed commission export?

Yes. AFG uses a single COMMISSION column with a COMMISSION_TYPE row discriminator — TrailScope's upload pipeline auto-detects this layout, splits the rows into trail / upfront / clawback, and atomically flags loans as LIKELY_CLOSED when reversal rows arrive.

Does TrailScope include the AFG clawback schedule?

Yes — the AFG Residential Lender Clawback Summary is built in: 54 lenders × 8 three-month bands covering months 0–24. The Clawback Exposure report uses this directly, so 30/60/90-day at-risk forecasts are aggregator-accurate, not generic.

Can I use TrailScope alongside AFG's Stryd retention integration?

Yes. Stryd delivers retention prompts inside AFG; TrailScope gives you the full analytical surface on the same data. See /compare/stryd.html for the head-to-head.

Will my AFG BDM see TrailScope?

No. TrailScope is owned by your brokerage. Your AFG BDM continues to work through AFG's own systems.

Can I match my AFG aggregator statement exactly?

Yes — TrailScope reads the same data, so totals reconcile within rounding for matching periods. Larger differences usually mean the export covers a different period than expected.