TrailScope for Finsure brokers

About Finsure Finance & Insurance

Finsure is a national aggregator known for its broker support and broad lender panel. Its broker portal covers compliance and operational reporting; TrailScope adds the retention, forecasting and AI insight layer.

How commission reaches an Finsure Finance & Insurance broker

Finsure brokers are paid on the aggregator's monthly run: the lender pays Finsure, the agreement is applied, and the statement — a recipient-created tax invoice — carries what reached you. Upfront is a one-off percentage of the settled amount (commonly 0.55–0.715% including GST across Australian lenders, by lender and product); trail is a monthly percentage of the outstanding balance, typically around 0.15% a year.

Finsure statements are column-typed, with commission type and GST treatment carried as separate columns rather than folded into one — which makes them straightforward to read and easy to mis-book, because the ex-GST and inc-GST figures sit side by side and a spreadsheet will happily sum whichever one comes last. Finsure also runs a flat-fee membership model for some brokers, where the lender's full commission passes through and the aggregator charges separately; on that model the statement figure is the lender figure, and your split is a fee line, not a percentage.

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 Finsure Finance & Insurance data

Supported via CSV/XLSX upload. Finsure's commission export columns can be mapped on first upload — the mapping is saved per organisation and reused on every subsequent file. Most Finsure-specific column shapes are recognised by the auto-detect pass.

Typical workflow

Finsure brokerages typically upload monthly. Retention scoring, lender concentration risk and trail income trends across the broker panel are the most-used screens. AI Insights answers 'who's at risk this month?' against the most-recent 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 Finsure Finance & Insurance 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

• All aggregator report guides — how each platform lays out its commission export.
• Every supported aggregator — what TrailScope adds on top of each one.
• Trail commission calculator — model trail income on any book size.
• Broker glossary — trail, clawback, run-off and the rest, defined.