Practical, AU-specific guides for working with the data your aggregator gives you. Each guide explains where the trail report lives, every column, common gotchas, and how to read it for portfolio decisions.
Fixed-rate expiry is a retention event — treat it like one
The 90 days before a fixed rate ends are the highest-value retention window in a trail book — what happens at roll-off, and a process for holding the loan.
GST on trail and upfront commission — which figure to book
Statements show commission twice, ex-GST and inc-GST. Which is revenue, what a registered broker receives, and why the wrong column understates a book by 9%.
How to value a trail book — the multiple, and what moves it
What Australian trail books sell for, how the multiple is built from net trail, run-off, clawback, seasoning and concentration, and how to prepare for sale.
AFG trail report — what's inside and how to use it
A working guide to the AFG trail report for Australian mortgage brokers — where to find it, what each column means, the row-typed quirk, and how to use it.
Connective Mercury trail report — exports, columns and gotchas
A practical guide to the Connective Mercury trail commission export for Australian mortgage brokers. Where to find it, every column explained, common pitfalls.
MyCRM trail report — the working guide
How to export and read the MyCRM trail commission report. Every column explained, the LMG / MyCRM idiosyncrasies, and what to do with the file.
Salestrekker trail report — exports, columns, and what to do next
A practical guide to the Salestrekker trail commission export — every column explained, the common quirks, and how to read it.