Broker Tools

Trail Commission Calculator (Australia)

Project the recurring trail commission earned on a single Australian home loan as the principal amortises. Enter the loan amount, interest rate and term, then the lender's trail rate (typically 0.15% p.a. of outstanding balance, paid monthly). The calculator returns Year 1 trail income, cumulative trail over the projection horizon, the year-by-year trail curve, and an optional 10% GST gross-up if the broker is GST-registered. Useful for brokers sizing the lifetime value of a single deal, owners sense-checking aggregator-reported trail figures, or new brokers learning how trail compounds (and decays) over the life of a loan.

Trail Commission
Project the trail commission earned on a single mortgage as the principal amortises. Australian convention: trail is typically 0.15% p.a. of outstanding balance, paid monthly.
Broker Tools
Inputs
$
%
yr
%
yr
Results
Year 1 Trail
$821
Total Trail (5 yr)
$3,997
Avg Monthly Trail
$66.62
Effective Rate
0.150% p.a.
Trail by year (incl. GST)
Year 1
$821
Year 2
$811
Year 3
$800
Year 4
$789
Year 5
$777
Trail compounds down, not up — as the borrower pays principal the outstanding balance shrinks, and the monthly trail shrinks with it. Real books also carry run-off from refinances and discharges, which a single-loan model cannot capture. To run this across every loan you hold with your actual run-off, create a free account.
These results are indicative estimates only. They do not constitute financial advice. Actual repayments, costs, and savings may vary. Always verify with a licensed Australian mortgage broker.

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