# Redrock Group - Complete Catalog > Redrock is an established, independent, technology-led Australian mortgage and finance aggregator and Australian Credit Licensee, operating since 2004. Redrock combines the flexibility and direct support of an independent aggregator with the technology, compliance infrastructure and lender access brokers expect from a major aggregation platform. SupportSuite incorporates Smart Search in the Broker Portal. ComplySuite remains the separate compliance platform, and CommissionSuite is used by head office for commission administration. Audiences are mortgage and finance brokers, and professional firms adding broking as a revenue line. ## Table of Contents - [Organizations](#organization) (1) - [Articles](#article) (73) - [Collection Pages](#collection-page) (25) --- ## AI Agent Access This directory is accessible via MCP (Model Context Protocol) for AI agents: - MCP Endpoint: https://directory.redrock.com.au/public-mcp - MCP Manifest: https://directory.redrock.com.au/mcp.json - Available Tools: - `search_directory(query)` — semantic search over all directory content - `get_business_info()` — business profile + contact details - `list_products(category, page)` — product catalogue - `list_articles(category, page)` — articles + guides - `get_content(url_slug)` — full markdown of a specific page - `get_related(from_slug)` — related products for a product, with the reason why - Rate Limit: 60 requests/minute per IP - Authentication: none required --- ## Organizations ### [Redrock](https://redrock.com.au/) **Type:** Organization Redrock is an established, independent, technology-led Australian mortgage and finance aggregator, operating since 2004. Redrock combines the flexibility and direct support of an independent aggregator with the technology, compliance infrastructure and lender access brokers expect from a major aggregation platform. Its proprietary technology includes SupportSuite (incorporating Smart Search) (AI Smart Search in the Redrock Broker Portal), ComplySuite (all-in-one NCCP compliance monitoring and reporting used directly by brokers) and Commission Suite (head-office operated, producing monthly RCTIs and commission statements). Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders, with flexible commercial models and own-brand freedom. **Identifier:** Australian Business Number — Red Rock Brokers Group Pty Ltd: 40 149 728 030, Australian Credit Licence — Red Rock Brokers Group Pty Ltd: 405961, Australian Credit Licence — Red Rock Mortgage Group Pty Ltd: 384209 --- ## Articles ### [Redrock Commission Models: Four Options for Your Business](https://directory.redrock.com.au/commission-models/specialist-franchise-model-80-80-split-with-a-branded-local-presence/) **Type:** Article Redrock Commission Models: Four Options for Your Business. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Three Ways to Join Redrock: Start Broking, Add Broking or Switch Aggregators](https://directory.redrock.com.au/entry-pathways/three-ways-to-join-redrock-career-change-add-broking-to-your-business-or-franchi/) **Type:** Article Three Ways to Join Redrock: Start Broking, Add Broking or Switch Aggregators. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Find the Right Aggregator for Your Broking Business](https://directory.redrock.com.au/entry-pathways/find-the-right-aggregator/find-the-right-aggregator-for-your-broking-business/) **Type:** Article Find the Right Aggregator for Your Broking Business. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Redrock Commission Models Compared: New Entrant, Advantage, Prime and Maximiser](https://directory.redrock.com.au/commission-models/redrock-commission-models-compared-new-entrant-specialist-advantage-prime-and-ma/) **Type:** Article Redrock Commission Models Compared: New Entrant, Advantage, Prime and Maximiser. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [The Redrock Broker Network Across Australia](https://directory.redrock.com.au/find-a-broker/the-redrock-broker-network-across-australia/) **Type:** Article Redrock supports a national network of independent brokers, with brokers operating in Victoria, New South Wales, Queensland, South Australia and the Australian Capital Territory. This page explains how the network operates, the aggregation, licensing, compliance and technology infrastructure Redrock provides, and what brokers keep — full ownership of their brand, business and client relationships. ### [Joining Redrock from New South Wales: What Changes and What Stays Yours](https://directory.redrock.com.au/find-a-broker/new-south-wales/redrock-brokers-in-new-south-wales/) **Type:** Article What changes and what stays a broker's own when joining Redrock from Sydney or regional New South Wales: the aggregation, licensing and compliance infrastructure a broker moves onto, Redrock's own broker technology platforms, and access to a broad panel of residential, commercial, asset finance and specialist lenders — with the broker retaining full ownership of their brand, business and client relationships. ### [Prime Commission Model: 95/95 Split for Mature and Growing Brokerages](https://directory.redrock.com.au/commission-models/prime-commission-model-95-95-split-for-mature-and-growing-brokerages/) **Type:** Article The Redrock Prime commission model is a 95% upfront and 95% trail split for mature and growing mortgage brokerages that want a high commission split while retaining access to Redrock's aggregation infrastructure and broker support. Pricing is quoted on application. ### [Maximiser Commission Model: 100% Upfront / 95% Trail for High-Volume Brokerages](https://directory.redrock.com.au/commission-models/maximiser-commission-model-100-upfront-95-trail-for-established-brokerages/) **Type:** Article The Redrock Maximiser commission model pays 100% of upfront commission and 95% of trail, with a $1,500 per annum ex GST compliance fee and a minimum volume requirement. Read how it compares with the other Redrock models and which brokerages it suits. Pricing is quoted on application. ### [Twenty Years of Redrock: What Two Decades in Aggregation Actually Signals](https://directory.redrock.com.au/about-redrock/media-news/twenty-years-of-redrock-what-two-decades-in-aggregation-actually-signals/) **Type:** Article MPA marked Redrock's 20th anniversary in September 2024. Explore what two decades of operation under one founder signals to brokers choosing an aggregator, and what the milestone says about stability and continuity in Australian mortgage aggregation. ### [Redrock Group](https://directory.redrock.com.au/) **Type:** Article Redrock is an established, independent, technology-led Australian mortgage and finance aggregator and Australian Credit Licensee, Melbourne-based and operating since 2004. Redrock combines the flexibility and direct support of an independent aggregator with the technology, compliance infrastructure and lender access brokers expect from a major aggregation platform, supporting a national network of independent brokers and providing broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [About Redrock: Independent Australian Mortgage and Finance Aggregator](https://directory.redrock.com.au/about-redrock/about-redrock-independent-australian-mortgage-and-finance-aggregator/) **Type:** Article Redrock is an established, independent, technology-led Australian mortgage and finance aggregator, operating since 2004. Redrock combines the flexibility and direct support of an independent aggregator with the technology, compliance infrastructure and lender access brokers expect from a major aggregation platform, and provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [Leads, Marketing, Lenders and Technology: Frequently Asked Questions](https://directory.redrock.com.au/faqs/leads-marketing-lenders-and-technology-frequently-asked-questions/) **Type:** Article Answers for brokers on Redrock's lead supply and marketing support, the third-party Salestrekker lodgement and CRM platform, Redrock Broker Portal access, data subscriptions, lender accreditation, and diversifying beyond residential lending. ### [Fees, Costs and Commissions: Frequently Asked Questions](https://directory.redrock.com.au/faqs/fees-costs-and-commissions-frequently-asked-questions/) **Type:** Article Redrock supports independent mortgage and finance brokers with aggregation, technology, compliance and lender access. ### [The Sherlok Partnership: Protecting Broker Trail Books Through Automated Repricing](https://directory.redrock.com.au/about-redrock/media-news/the-sherlok-partnership-protecting-broker-trail-books-through-automated-repricin/) **Type:** Article Redrock has partnered with Sherlok, an automated repricing and client-retention platform. Sherlok's role is retention and repricing on existing loans, aimed at helping brokers hold their trail books. This article explains what the partnership provides to Redrock broker partners and how retention technology fits alongside a broker's own client relationships. ### [Complaints, Disputes and AFCA: How Client Complaints Are Handled](https://directory.redrock.com.au/compliance-licensing/complaints-disputes-and-afca-how-client-complaints-are-handled/) **Type:** Article A guide to complaint handling for mortgage brokers. Covers how internal dispute resolution works, when and how a complaint escalates to the Australian Financial Complaints Authority (AFCA), what AFCA can and cannot do, and the steps a broker should take on receiving a complaint. Redrock is a member of AFCA. ### [New Entrant Commission Model: 80/80 Split for Brokers Starting Out](https://directory.redrock.com.au/commission-models/new-entrant-commission-model-80-80-split-for-brokers-starting-out/) **Type:** Article Redrock's New Entrant model is an independent entry pathway for brokers new to the industry or writing their first loans, on an 80/80 upfront and trail split. Mentoring runs alongside it; mentoring for new entrants is required under MFAA and FBAA membership standards and the licensee's supervision obligations. A minimum two-year term applies, all fees are ex GST, and pricing is quoted on application. ### [Add Broking to Your Existing Business: Stop Referring Revenue Away](https://directory.redrock.com.au/entry-pathways/add-broking-to-your-business/add-broking-to-your-existing-business-stop-referring-revenue-away/) **Type:** Article How accountants, bookkeepers, planners and property professionals can add mortgage broking to an existing practice rather than referring that lending out. Under the credit representative pathway the firm is authorised under a Redrock Australian Credit Licence, with Redrock providing the licensing framework, supervision, file audit and compliance infrastructure; the firm retains its own conduct obligations. ### [Which Aggregator Fits Your Situation? Redrock Matched to Six Broker Profiles](https://directory.redrock.com.au/comparisons-decisions/which-aggregator-fits-your-situation-redrock-matched-to-six-broker-profiles/) **Type:** Article Which aggregator suits an experienced broker, a growing team, a banker moving across, an accounting firm, a branded operator or a new entrant — how Redrock fits each. ### [Which Redrock Commission Model Should You Choose?](https://directory.redrock.com.au/comparisons-decisions/which-redrock-commission-model-should-you-choose/) **Type:** Article A decision framework for choosing between the Redrock commission models — the four variables that decide it, and how to work out your own numbers. ### [Professional Indemnity Insurance for Mortgage Brokers: Who Covers What](https://directory.redrock.com.au/compliance-licensing/professional-indemnity-insurance-for-mortgage-brokers-who-covers-what/) **Type:** Article How professional indemnity insurance works for Australian mortgage brokers: Redrock's minimum cover levels, licensee cover versus the policy you hold yourself, and what to check before you buy or renew. ### [What's Included and What Carries a Fee](https://directory.redrock.com.au/commission-models/what-s-included-what-s-franchise-only-and-what-carries-a-fee/) **Type:** Article What's Included and What Carries a Fee. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Mentoring, Training and Support: Frequently Asked Questions](https://directory.redrock.com.au/faqs/mentoring-training-and-support-frequently-asked-questions/) **Type:** Article Answers to common questions about mentoring for new mortgage brokers. Covers Redrock's induction process, mentoring arrangements, CPD requirements, deal support and ongoing training. Mentoring for new entrants is required under MFAA and FBAA membership standards and the licensee's supervision obligations. ### [Mortgage Broker Qualifications in Australia: Certificate IV, Diploma and the Education Pathway Explained](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/mortgage-broker-qualifications-in-australia-certificate-iv-diploma-and-the-education-pathway-explained/) **Type:** Article Understand the education requirements for becoming a mortgage broker in Australia. This guide explains the nationally recognised qualifications needed, including Certificate IV and Diploma pathways, and how they align with Australian Credit Licence (ACL) requirements, consumer credit law obligations, and industry association membership standards. ### [How to Become a Mortgage Broker in Australia: The Complete Guide to Qualifications, Licensing, and Building a Broking Business](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/how-to-become-a-mortgage-broker-in-australia-the-complete-guide-to-qualifications-licensing-and-building-a-broking-business/) **Type:** Article A comprehensive guide to launching a mortgage broking career in Australia. Covers the qualifications, licensing pathways and business development steps involved in becoming a broker, and how to think about choosing an aggregator once you are authorised. ### [Your Licensing Options at Redrock: Credit Representative or Your Own ACL](https://directory.redrock.com.au/compliance-licensing/your-licensing-options-at-redrock-credit-representative-or-your-own-acl/) **Type:** Article The operational differences between working as a credit representative under Red Rock Brokers Group Pty Ltd (Australian Credit Licence 405961) and holding your own ACL while aggregating with Redrock. Sets out the two licensing arrangements available to brokers at Redrock, the regulatory framework that applies to each, and the compliance and business-structure implications. ### [Referring Loans Out vs Becoming a Broker Yourself](https://directory.redrock.com.au/comparisons-decisions/referring-loans-out-vs-becoming-a-broker-yourself/) **Type:** Article A comparison of the lending options open to accountants, bookkeepers, financial planners and property professionals: referring loans out, spot-and-refer arrangements, and writing loans yourself. Sets out how to evaluate which approach suits your practice and what each involves in licensing and compliance terms. ### [Agreement Terms and Working Arrangements: Frequently Asked Questions](https://directory.redrock.com.au/faqs/agreement-terms-and-working-arrangements-frequently-asked-questions/) **Type:** Article Agreement Terms and Working Arrangements: Frequently Asked Questions. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Advantage Commission Model: 90/90 Split for Growing Brokers](https://directory.redrock.com.au/commission-models/advantage-commission-model-90-90-split-for-growing-brokers/) **Type:** Article Redrock's Advantage model runs on a 90/90 upfront and trail split, for independent brokers who have moved past entry level and are writing settlement volume consistently. A minimum two-year term applies, all fees are ex GST, and pricing is quoted on application. ### [How to Read Redrock's Industry Recognition: Placements, Not Wins](https://directory.redrock.com.au/about-redrock/media-news/how-to-read-redrock-s-industry-recognition-placements-not-wins/) **Type:** Article How to read Redrock's industry recognition and trade press coverage from 2019 to 2026. Explains what a placement in The Adviser's Top 25 Brokerages represents, what an Australian Mortgage Awards Excellence Awardee or Finalist listing means, and how brokers should weigh published recognition when comparing aggregators. These are placements and listings, not wins. ### [How to Choose a Mortgage Aggregator: An Evaluation Framework for New and Established Brokers](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/how-to-choose-a-mortgage-aggregator-an-evaluation-framework-for-new-and-established-brokers/) **Type:** Article A comprehensive guide to evaluating mortgage aggregators using a criteria-based framework. This article moves beyond casual referrals and brand familiarity to provide brokers at any career stage with a structured set of questions to assess prospective aggregators. Learn why this commercial decision deserves rigorous evaluation and how to make an informed choice aligned with your business goals. ### [Recognition: Seven Consecutive Years in The Adviser's Top 25 Brokerages](https://directory.redrock.com.au/about-redrock/awards-recognition/recognition-seven-consecutive-years-in-the-adviser-s-top-25-brokerages/) **Type:** Article Redrock has placed in The Adviser's Top 25 Brokerages for seven consecutive years: 19th in 2026, 17th in 2025, 16th in 2024, 18th in 2023, 17th in 2022, 14th in 2021 and 14th in 2020. Redrock has also been listed as an Australian Mortgage Awards Excellence Awardee and Finalist. These are placements and listings, not award wins. ### [Choosing an Aggregator: Commission, Support and Own-Brand Freedom](https://directory.redrock.com.au/comparisons-decisions/franchise-or-independent-which-redrock-model-builds-your-business-faster/) **Type:** Article Choosing an Aggregator: Commission, Support and Own-Brand Freedom. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Industry Associations for Mortgage Brokers: MFAA, FBAA and What Membership Actually Requires](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/industry-associations-for-mortgage-brokers-mfaa-fbaa-and-what-membership-actually-requires/) **Type:** Article Explore the role of industry association membership in the mortgage broking career pathway. This guide examines MFAA and FBAA membership requirements, the distinction between credit licensing and credit representative authorisation under the National Consumer Credit Protection Act 2009, and why association membership is a consequential layer beyond basic qualification and regulatory authorisation. ### [Commissions and Earnings: Frequently Asked Questions](https://directory.redrock.com.au/faqs/commissions-and-earnings-frequently-asked-questions/) **Type:** Article Answers to common questions about Redrock broker commissions and earnings. Covers how upfront and trail splits work, the income streams brokers earn from, fee income and non-mortgage commission arrangements, clawback, and trail book ownership. Pricing is quoted on application. ### [Compliance and Licensing: Frequently Asked Questions](https://directory.redrock.com.au/faqs/compliance-and-licensing-frequently-asked-questions/) **Type:** Article Answers to common questions on broker compliance and licensing, covering credit licence requirements, credit representative status, Red Rock Brokers Group Pty Ltd (ACL 405961) and Red Rock Mortgage Group Pty Ltd (ACL 384209), the Best Interests Duty as it applies to consumer credit assistance (not commercial or business lending), responsible lending obligations, AFCA complaint procedures, and file audits. ### [Joining and Qualifications: Frequently Asked Questions](https://directory.redrock.com.au/faqs/joining-and-qualifications-frequently-asked-questions/) **Type:** Article Answers to the questions prospective brokers most often ask before applying to Redrock. Covers licensing requirements, experience, Australian Credit Licence obligations, police checks, application timeframes, and eligibility for joining as a mortgage broker. ### [For Accounting Firms: Adding Broking Revenue Without Becoming a Brokerage](https://directory.redrock.com.au/for-accounting-firms/for-accounting-firms-adding-broking-revenue-without-becoming-a-brokerage/) **Type:** Article How small and medium accounting and bookkeeping firms can add a mortgage broking service line. Covers the economics, the time commitment, and how the credit representative pathway works: the firm is authorised as a credit representative under a Redrock Australian Credit Licence, with Redrock providing supervision, file audit and compliance infrastructure while the firm retains its own conduct obligations. ### [Start a Mortgage Broking Career: From Application to Your First Settled Loan](https://directory.redrock.com.au/entry-pathways/start-a-broking-career/start-a-mortgage-broking-career-from-application-to-your-first-settled-loan/) **Type:** Article How a career change into mortgage broking with Redrock runs, from first application through to your first settled loan. Covers the Certificate IV FNS40821 entry qualification, the mentoring arrangement, and the Redrock induction program, together with the up to three months with no monthly fee that applies during induction. Mentoring for new entrants is required under MFAA and FBAA membership standards and the licensee's supervision obligations — it is not a statutory or regulatory requirement. ### [Initial Investment](https://directory.redrock.com.au/costs-income/the-initial-investment-what-joining-redrock-covers/) **Type:** Article What Redrock's initial investment covers for brokers joining: the Certificate IV FNS40821 entry qualification, professional indemnity cover, industry association and AFCA membership, induction training, police check, mentoring and lender accreditation training. Professional indemnity requirements vary by arrangement — confirm current requirements with Redrock. Adding a credit representative is a one-off charge of 50% of the initial investment, never a monthly charge. All fees are ex GST and pricing is quoted on application. ### [Credit Representative or Your Own ACL: Which Licensing Path Fits](https://directory.redrock.com.au/comparisons-decisions/credit-representative-or-your-own-acl-which-licensing-path-fits/) **Type:** Article A comparison of operating as a credit representative against holding your own Australian Credit Licence: obligations, costs, supervision arrangements and operational flexibility. The expectation of two years' experience before applying for your own ACL is an ASIC Regulatory Guide 206 guidance expectation, not a statutory minimum. Redrock supports both pathways under a single member broker agreement. ### [The Redrock Induction Program: How Joining Actually Runs](https://directory.redrock.com.au/onboarding-training-mentoring/the-redrock-induction-program-how-joining-actually-runs/) **Type:** Article How Redrock's induction program runs, from onboarding and system setup through video-based training, mentoring and ongoing support. Sets out what happens after acceptance and what is required at application. Up to three months for new-to-industry brokers with no monthly fee applies during induction. ### [Mortgage Aggregation Glossary: The Terms That Matter](https://directory.redrock.com.au/glossary/mortgage-aggregation-glossary-the-terms-that-matter/) **Type:** Article A plain-English glossary of mortgage aggregation and broking terminology for brokers and professional firms entering broking. Defines aggregator, credit representative, trail commission, clawback, the Best Interests Duty (which applies to consumer credit assistance, not commercial or business lending), the National Consumer Credit Protection Act 2009, and AFCA. ### [SupportSuite: Smart Search Inside the Redrock Broker Portal](https://directory.redrock.com.au/technology/search-suite-ai-smart-search-inside-the-redrock-broker-portal/) **Type:** Article SupportSuite incorporates file reviews, support ticketing and Smart Search. Brokers access Smart Search through the Redrock Broker Portal to search Redrock’s document and knowledge library using natural-language questions. ### [Redrock's Technology Platform: What Brokers Actually Get](https://directory.redrock.com.au/technology/redrock-s-technology-platform-what-brokers-actually-get/) **Type:** Article An overview of SupportSuite, ComplySuite and Commission Suite: broker-facing support, Smart Search and compliance tools, head-office commission administration, and the third-party Salestrekker CRM and lodgement platform. ### [How to Get Your Mortgage Broker Licence in Australia: The ASIC Application Process Step by Step](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/how-to-get-your-mortgage-broker-licence-in-australia-the-asic-application-process-step-by-step/) **Type:** Article A guide to navigating the Australian Credit Licence (ACL) application process administered by ASIC. Learn why completing your Certificate IV in Finance and Mortgage Broking is just the first step, and follow the regulatory pathway required to become an authorised mortgage broker in Australia. This article clarifies the gap between qualifications and licensing. Confirm current requirements with ASIC. ### [Mentoring at Redrock: What New Brokers Actually Get](https://directory.redrock.com.au/onboarding-training-mentoring/mentoring-at-redrock-what-new-brokers-actually-get/) **Type:** Article Redrock's mentoring arrangement for new-to-industry mortgage brokers, delivered by experienced credit personnel and covering loan scenarios, packaging, structuring and compliance. Mentoring for new entrants is required under MFAA and FBAA membership standards and the licensee's supervision obligations — it is not a statutory or regulatory requirement. ### [Redrock in the ACT: An Aggregation Base for Canberra Brokers](https://directory.redrock.com.au/find-a-broker/australian-capital-territory/redrock-brokers-in-the-australian-capital-territory/) **Type:** Article What Redrock offers brokers operating in Canberra and the ACT: aggregation, licensing and compliance infrastructure, Redrock's own broker technology platforms, and access to a broad panel of residential, commercial, asset finance and specialist lenders. Brokers keep full ownership of their brand, business and client relationships. ### [Best Interests Duty and Responsible Lending: How Redrock Evidences Compliance](https://directory.redrock.com.au/compliance-licensing/best-interests-duty-and-responsible-lending-how-redrock-evidences-compliance/) **Type:** Article How Redrock brokers evidence compliance with the Best Interests Duty and responsible lending obligations under the National Consumer Credit Protection Act 2009. The Best Interests Duty applies to consumer credit assistance, not commercial or business lending. Covers preliminary assessments, reasonable enquiries, file standards, audits and compliance registers. ### [The Ten-Step Loan Process: What a Broker Actually Does, Deal by Deal](https://directory.redrock.com.au/onboarding-training-mentoring/the-ten-step-loan-process-what-a-broker-actually-does-deal-by-deal/) **Type:** Article Redrock's ten-step loan process, from first client contact through to post-settlement care. Sets out what a mortgage broker does on each deal, for people considering broking as a career and for brokers comparing how an aggregator structures its workflow. ### [Compliance, Licensing and Trust: How Redrock Operates Under ASIC's Credit Regime](https://directory.redrock.com.au/compliance-licensing/compliance-licensing-and-trust-how-redrock-operates-under-asic-s-credit-regime/) **Type:** Article How Redrock's compliance infrastructure works under ASIC's credit licensing regime. Covers Red Rock Brokers Group Pty Ltd (Australian Credit Licence 405961) and Red Rock Mortgage Group Pty Ltd (Australian Credit Licence 384209), FBAA and MFAA membership, AFCA dispute resolution, professional indemnity insurance (requirements vary by arrangement — confirm with Redrock), and quarterly compliance self-reviews. ### [The Redrock Lender Panel: Access, Accreditation and Diversification](https://directory.redrock.com.au/lender-panel-diversification/the-redrock-lender-panel-access-accreditation-and-diversification/) **Type:** Article Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. This article explains how panel access works for Redrock brokers, how lender accreditation is obtained and maintained, and how brokers use panel breadth to diversify beyond residential lending. ### [File Standards and Audits: What Redrock Checks and Why](https://directory.redrock.com.au/onboarding-training-mentoring/file-standards-and-audits-what-redrock-checks-and-why/) **Type:** Article What constitutes a compliant broker file at Redrock, how file reviews and quarterly self-reviews work in ComplySuite, and why the audit regime exists. Written for brokers, including new brokers writing their first loans. ### [Australian Credit Licence vs Credit Representative: Which Authorisation Pathway Is Right for You?](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/australian-credit-licence-vs-credit-representative-which-authorisation-pathway-is-right-for-you/) **Type:** Article Understand the differences between holding your own Australian Credit Licence (ACL) and operating as a credit representative under another licensee's ACL. This guide explores the decision that determines your legal obligations, liability exposure, and operational framework as a mortgage broker or credit professional in Australia. ### [Building a Broking Business in South Australia with Redrock](https://directory.redrock.com.au/find-a-broker/south-australia/redrock-brokers-in-south-australia/) **Type:** Article What building a broking business in Adelaide and regional South Australia looks like under Redrock: aggregation, licensing and compliance infrastructure, Redrock's own broker technology platforms, and access to a broad panel of residential, commercial, asset finance and specialist lenders, with brokers retaining full ownership of their brand, business and client relationships. ### [Redrock in the Trade Press: Media Coverage 2019–2026](https://directory.redrock.com.au/about-redrock/media-news/redrock-in-the-trade-press-media-coverage-2019-2026/) **Type:** Article Redrock's documented media presence across Australia's mortgage industry trade publications between 2019 and 2026. Records coverage in The Adviser, MPA and Australian Broker, including the twentieth-anniversary feature, the launch of Redrock Money (a funding line available to Redrock broker partners, underwritten by Thinktank), and the Sherlok retention and repricing partnership. ### [Redrock Money: A Funding Line for Redrock Broker Partners, Underwritten by Thinktank](https://directory.redrock.com.au/about-redrock/media-news/redrock-money-a-funding-line-underwritten-by-thinktank/) **Type:** Article Redrock Money is a funding line available to Redrock broker partners, underwritten by Thinktank. This article explains what the facility offers brokers and how broker partners access it. Redrock does not provide the capital, and brokers should confirm the current funding and underwriting structure with Redrock on 1300 667 694. ### [Tools, Technology and Support: What a Redrock Broker Gets on Day One](https://directory.redrock.com.au/technology/tools-technology-and-support-what-a-redrock-broker-gets-on-day-one/) **Type:** Article What a Redrock broker has available from day one: Redrock's own Broker Portal, SupportSuite (incorporating Smart Search) and ComplySuite; the third-party Salestrekker lodgement and CRM platform Redrock provides access to; data subscriptions including CoreLogic, Equifax and illion; and the support, marketing and business services that sit alongside them. ### [How Mortgage Brokers Earn: The Four Income Streams and the Trail Book as an Asset](https://directory.redrock.com.au/costs-income/how-mortgage-brokers-earn-the-four-income-streams-and-the-trail-book-as-an-asset/) **Type:** Article Comprehensive guide to mortgage broker income under the Redrock model. Learn how brokers generate revenue through four distinct income components: upfront commissions, trail commissions, application and approval fees, and trail book assets. Understand why a trail book functions as a compounding, saleable business asset and what separates informed career evaluation from speculation. ### [What Does a Mortgage Broker Actually Do? Roles, Responsibilities and the Australian Credit Landscape](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/what-does-a-mortgage-broker-actually-do-roles-responsibilities-and-the-australian-credit-landscape/) **Type:** Article An overview of the role mortgage brokers play in Australia's lending landscape for people considering broking as a career. Covers the broker's key responsibilities, the regulatory setting they work within, and where the broker sits in the residential and commercial credit process. ### [Switching Aggregators: Frequently Asked Questions](https://directory.redrock.com.au/faqs/switching-aggregators-frequently-asked-questions/) **Type:** Article Answers for established brokers considering a change of aggregator. Covers trail book treatment, the transfer process, accreditation carry-over, contract terms, and the factors worth evaluating before moving. ### [Adding Broking to an Accounting Practice: A Practical Implementation Guide](https://directory.redrock.com.au/for-accounting-firms/adding-broking-to-an-accounting-practice-a-practical-implementation-guide/) **Type:** Article A guide for accounting and bookkeeping practices adding mortgage broking as a service line. Covers credit representative authorisation pathways, managing conflicts of interest, integrating broking into existing workflows, and what the first year of operating typically involves. Under a credit representative arrangement the licensee holds the Australian Credit Licence; the practice remains responsible for its own conduct obligations. ### [Building a Mortgage Broking Business: Systems, Referral Networks, Trail Book Growth and Compliance](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/building-a-mortgage-broking-business-systems-referral-networks-trail-book-growth-and-compliance/) **Type:** Article Discover the business-building disciplines that determine mortgage broking practice longevity. Learn how to establish systems, develop referral networks, grow your trail book, and maintain compliance. This guide explores why passing your Certificate IV and securing authorisation are just entry conditions, and sets out the foundations required to build a sustainable broking business in Australia. ### [Redrock for Queensland Brokers: Five Markets, One Operating Base](https://directory.redrock.com.au/find-a-broker/queensland/redrock-brokers-in-queensland/) **Type:** Article How brokers across Queensland's distinct markets — Brisbane, the Gold Coast, the Sunshine Coast, and regional and northern Queensland — operate from one Redrock aggregation base, with licensing and compliance infrastructure, Redrock's own broker technology platforms, and access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [Commission Suite: How Redrock Pays Brokers Accurately and On Time](https://directory.redrock.com.au/technology/commission-suite-how-redrock-pays-brokers-accurately-and-on-time/) **Type:** Article Commission Suite is one of Redrock's own platforms, operated by Redrock head office and not accessed by brokers. Its benefit to brokers is indirect: accurate, timely and comprehensive production of monthly RCTIs and commission statements, and the commission administration process that supports them. ### [Why Redrock: Major-Aggregator Capability, Independent Operating Model](https://directory.redrock.com.au/about-redrock/why-redrock-major-aggregator-capability-independent-operating-model/) **Type:** Article Redrock combines the flexibility and direct support of an independent aggregator with the technology, compliance infrastructure and lender access brokers expect from a major aggregation platform. This page sets out what that means in practice for experienced brokers and for professional firms adding mortgage broking as a service line. ### [Inside the Redrock Broker Portal and Compliance Platform](https://directory.redrock.com.au/technology/inside-the-redrock-broker-portal-and-compliance-platform/) **Type:** Article The Redrock Broker Portal is Redrock's own secure site and the access point brokers use to reach SupportSuite (incorporating Smart Search). This page explains what lives inside the portal, how ComplySuite supports compliance monitoring and reporting, where the third-party Salestrekker lodgement and CRM platform fits, and what problem each part of the stack solves for brokers day to day. ### [How Redrock Supervises and Audits Broker Files](https://directory.redrock.com.au/compliance-licensing/how-redrock-supervises-and-audits-broker-files/) **Type:** Article How Redrock's supervision regime works: quarterly self-reviews, file audits, compliance registers and corrective action. Explains what supervision and audit look like in practice for brokers operating under a credit licensee, and how brokers interact with file auditors through ComplySuite. ### [ComplySuite: NCCP Compliance Monitoring and Reporting](https://directory.redrock.com.au/technology/complysuite-nccp-compliance-monitoring-and-reporting/) **Type:** Article ComplySuite is Redrock's all-in-one compliance monitoring and reporting platform under the National Consumer Credit Protection Act 2009 (NCCP), used directly by brokers. Brokers use it to maintain compliance registers, interact with file auditors, complete quarterly self-reviews, and manage ongoing compliance monitoring and reporting. ### [Mortgage Broker Cost Structure and Break-Even Modelling: Understanding the Economics Before You Start](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/mortgage-broker-cost-structure-and-break-even-modelling-understanding-the-economics-before-you-start/) **Type:** Article A comprehensive guide to understanding the true financial requirements of starting a mortgage broking business. This article moves beyond qualifications and licensing to address the critical question every aspiring broker must answer: What does it cost to run this business, and how many loans must you settle to reach break-even? Discover the real economics of mortgage broking, including operational costs, revenue models, and financial projections. ### [Redrock in Victoria: Broker Support, Coverage and Joining from VIC](https://directory.redrock.com.au/find-a-broker/victoria/redrock-brokers-in-victoria/) **Type:** Article Victoria is Redrock's home state — Redrock has been Melbourne-based since 2004. This page covers what Redrock offers brokers across metropolitan Melbourne and regional Victoria: aggregation, licensing and compliance infrastructure, Redrock's own broker technology platforms, access to a broad panel of residential, commercial, asset finance and specialist lenders, and what joining from Victoria involves. --- ## Collection Pages ### [Entry Pathways](https://directory.redrock.com.au/entry-pathways/) **Type:** CollectionPage There is no single route into broking at Redrock. Some people arrive as a career change with no lending background at all. Others already run an accounting practice, financial planning firm or real estate agency and are tired of referring finance work away for a token fee. A third group consists of experienced brokers switching aggregators while retaining their own business. ### [Find the Right Aggregator](https://directory.redrock.com.au/entry-pathways/find-the-right-aggregator/) **Type:** CollectionPage Find the Right Aggregator. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [About Redrock](https://directory.redrock.com.au/about-redrock/) **Type:** CollectionPage The About Redrock section sets out who Redrock is: an established, independent, technology-led Australian mortgage and finance aggregator operating since 2004. It covers the group's history, operating model, verified corporate and licensing facts, and industry recognition, including seven consecutive placements in The Adviser's Top 25 Brokerages. Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders, and serves both experienced brokers seeking greater flexibility and direct support and professional firms adding mortgage broking as a service line. ### [Commission Models](https://directory.redrock.com.au/commission-models/) **Type:** CollectionPage Commission Models. Explore Redrock's independent aggregation models, technology, lender access and broker support. ### [Media & News](https://directory.redrock.com.au/about-redrock/media-news/) **Type:** CollectionPage The Media & News section brings together trade press coverage and industry announcements spanning 2019 to 2026. It collects features published in Australian mortgage and finance trade publications including The Adviser, MPA and Australian Broker. Coverage includes Redrock's 20th anniversary feature, the launch of Redrock Money — a funding line available to Redrock broker partners, underwritten by Thinktank — and the Sherlok partnership, which Redrock uses for client retention and automated repricing. This section is a record of Redrock's public profile and business developments as reported by the trade press, and of how its industry recognition should be read: as placements and awardee or finalist recognitions rather than award wins. ### [Broker Network](https://directory.redrock.com.au/find-a-broker/) **Type:** CollectionPage The Broker Network section of the Redrock directory covers Redrock's national network of independent brokers and what joining Redrock looks like from each state. Redrock is an established, independent, technology-led Australian mortgage and finance aggregator; brokers operating under Redrock retain full ownership of their brand, business and client relationships. State pages set out the aggregation, licensing, compliance and technology support available to brokers in Victoria, New South Wales, Queensland, South Australia and the Australian Capital Territory. ### [Lender Panel & Diversification](https://directory.redrock.com.au/lender-panel-diversification/) **Type:** CollectionPage The Lender Panel & Diversification section covers the lender access available to Redrock broker partners and the options brokers have to diversify their business. Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. This section explains how lender accreditation works within the Redrock network, what accreditation across multiple lender types involves, and how brokers can diversify beyond residential lending. It also covers Redrock Money, a funding line available to Redrock broker partners that is underwritten by Thinktank. ### [Victoria](https://directory.redrock.com.au/find-a-broker/victoria/) **Type:** CollectionPage The Victoria section covers Redrock for mortgage and finance brokers based in Victoria: the aggregation support, technology and compliance infrastructure available to brokers operating across metropolitan Melbourne and regional Victoria, and what joining Redrock from Victoria involves. Redrock is an established, independent, technology-led Australian mortgage and finance aggregator operating since 2004, providing broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [Comparisons & Decisions](https://directory.redrock.com.au/comparisons-decisions/) **Type:** CollectionPage Choosing between commission models, licensing paths and aggregators is rarely a matter of picking the biggest number. The pages here set the trade-offs side by side — commission structures, credit representative against holding your own licence, referring deals out against writing them yourself — so you can see which option matches the business you actually run rather than the. ### [South Australia](https://directory.redrock.com.au/find-a-broker/south-australia/) **Type:** CollectionPage This section covers Redrock for mortgage and finance brokers based in South Australia, including Adelaide and regional South Australia. It sets out the aggregation support, technology and compliance infrastructure available to South Australian brokers and what building a broking business with Redrock involves. Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders, and brokers retain full ownership of their brand, business and client relationships. ### [Costs & Income](https://directory.redrock.com.au/costs-income/) **Type:** CollectionPage What it costs to join Redrock and how mortgage brokers earn — the initial investment, the income streams behind a broking business, and the trail book as an asset. ### [Australian Capital Territory](https://directory.redrock.com.au/find-a-broker/australian-capital-territory/) **Type:** CollectionPage This section covers Redrock for mortgage and finance brokers based in the Australian Capital Territory, including Canberra and surrounding regions. It sets out the aggregation support, technology and compliance infrastructure available to ACT-based brokers and what joining Redrock involves. Redrock is an established, independent, technology-led Australian mortgage and finance aggregator operating since 2004, providing broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [Compliance & Licensing](https://directory.redrock.com.au/compliance-licensing/) **Type:** CollectionPage Every loan written through Redrock sits under an Australian Credit Licence, and the obligations attached to that licence shape how brokers work day to day. This section explains the licensing structure, how best interests duty and responsible lending get evidenced on file, what supervision and file auditing actually involve, and where a complaint goes when a client is unhappy.. ### [New South Wales](https://directory.redrock.com.au/find-a-broker/new-south-wales/) **Type:** CollectionPage This section covers Redrock for mortgage and finance brokers based in New South Wales: the aggregation support, technology and compliance infrastructure available to brokers operating across Sydney and regional New South Wales, and what joining Redrock from New South Wales involves. Redrock provides broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders, and brokers retain full ownership of their brand, business and client relationships. ### [Queensland](https://directory.redrock.com.au/find-a-broker/queensland/) **Type:** CollectionPage This section covers Redrock for mortgage and finance brokers operating across Queensland, including Brisbane, the Gold Coast and regional Queensland. It sets out the aggregation support, technology and compliance infrastructure available to Queensland-based brokers and what joining Redrock involves. Redrock is an established, independent, technology-led Australian mortgage and finance aggregator operating since 2004, providing broker partners access to a broad panel of residential, commercial, asset finance and specialist lenders. ### [Add Broking to Your Business](https://directory.redrock.com.au/entry-pathways/add-broking-to-your-business/) **Type:** CollectionPage This category covers how professional firms — accountants, bookkeepers, financial planners and property specialists — can add mortgage broking to an existing practice without holding their own Australian Credit Licence, by operating as credit representatives under a Redrock licence. Redrock provides the licensing infrastructure, compliance framework and training, so a firm can offer broking as a service line rather than referring that work to a third-party broker. Practice owners retain the client relationship and add a service their clients already need. Compliance obligations still apply to the credit representative and differ by arrangement; current requirements should be confirmed with Redrock. This section is written for firms whose clients regularly have financing needs. ### [Onboarding, Training & Mentoring](https://directory.redrock.com.au/onboarding-training-mentoring/) **Type:** CollectionPage This category covers how Redrock supports new mortgage brokers from day one through structured onboarding, induction training and ongoing mentoring. It sets out the Redrock induction program — initial setup, video-based induction training, tailored mentoring and continuing support — alongside an in-depth look at the mentoring program itself, delivered by experienced credit personnel. Mentoring for new entrants is required under MFAA and FBAA membership standards and under the licensee's supervision obligations; it is not a statutory requirement. The mentoring content addresses real loan scenarios, loan packaging, deal structuring and compliance, making this section useful reading for new-to-industry brokers considering Redrock or wanting to understand the practical support available in their early years. ### [Technology](https://directory.redrock.com.au/technology/) **Type:** CollectionPage Redrock's Technology category covers the platforms Redrock builds and runs itself and the third-party tools it provides brokers access to. Redrock operates three of its own platforms: SupportSuite (incorporating Smart Search), an AI Smart Search tool brokers reach through the Redrock Broker Portal via an embedded iframe and query in plain, human language across Redrock's knowledge base; ComplySuite, an all-in-one NCCP compliance monitoring and reporting platform brokers use directly for compliance registers, file auditor interaction and quarterly self-reviews; and Commission Suite, operated by Redrock head office and not accessed by brokers, whose broker benefit is accurate, timely monthly RCTIs and commission statements. The Redrock Broker Portal is Redrock's own secure access point for these tools. These articles also explain where third-party platforms such as Salestrekker and data services fit into a broker's day-one technology stack, alongside support, marketing and business services, so brokers and professional firms can see exactly which systems they use directly and which run behind the scenes. ### [Mortgage Broking — Career Entry & Business Development](https://directory.redrock.com.au/finance-mortgage-industry/mortgage-broking-career-entry-business-development/) **Type:** CollectionPage A resource hub for people entering the mortgage broking profession in Australia and for brokers growing an existing broking business. It covers career entry requirements — what a mortgage broker does and the qualifications needed (Certificate IV and Diploma pathways), through to holding an Australian Credit Licence or operating as a credit representative under a licensee. It sets out the ASIC application process, how to evaluate and select a mortgage aggregator, and the role of industry associations such as the MFAA and FBAA. For those building a broking business, it also addresses cost structures, break-even modelling, referral network development, trail book growth, and compliance obligations. ### [For Accounting Firms](https://directory.redrock.com.au/for-accounting-firms/) **Type:** CollectionPage A resource hub for accounting, bookkeeping and planning firms looking to add mortgage broking as a revenue and service line. This category covers how professional firms can offer broking without holding their own Australian Credit Licence — operating instead as credit representatives under a Redrock licence — along with the economics of referral and broking arrangements, realistic time commitments, and the licensing, compliance and training framework Redrock provides. Whether you are a sole practitioner or a multi-partner practice, this section sets out a practical path to adding a broking service line while your firm stays focused on its core advisory work. Obligations differ by arrangement and should be confirmed with Redrock. ### [FAQs](https://directory.redrock.com.au/faqs/) **Type:** CollectionPage The Redrock FAQs section answers the questions brokers and prospective broker partners ask about working with Redrock as their aggregator. Topics include fees, costs and commissions — what aggregators charge, how commission splits work, GST treatment, clawback arrangements and how to evaluate aggregator economics; joining and qualifications — the requirements, licensing, experience levels, police checks and timeframes for brokers applying to Redrock; and switching aggregators — how existing brokers move across, including trail book treatment, the transfer and accreditation carry-over process, contract terms and the points to check before moving. Where a detail is not published, brokers should confirm it with Redrock on 1300 667 694. ### [Start a Broking Career](https://directory.redrock.com.au/entry-pathways/start-a-broking-career/) **Type:** CollectionPage The Start a Broking Career section is for people entering the mortgage broking industry, including those with no prior experience. It covers the journey from initial application through to settling a first loan: the entry qualification (Certificate IV in Finance and Mortgage Broking, FNS40821), the mentoring provided to new entrants, and Redrock's structured induction. Mentoring for new entrants is required under MFAA and FBAA membership standards and under the licensee's supervision obligations; it is not a statutory requirement. The section also covers practical support for career starters, including up to three months with no monthly fee during induction. Whether you are considering a career change or taking a first step into financial services, this category sets out what the process involves. Course codes should be verified against the official source. ### [Awards & Recognition](https://directory.redrock.com.au/about-redrock/awards-recognition/) **Type:** CollectionPage This section records Redrock's industry recognition in Australian mortgage broking. Redrock has placed in The Adviser's Top 25 Brokerages for seven consecutive years: 19th in 2026, 17th in 2025, 16th in 2024, 18th in 2023, 17th in 2022, 14th in 2021 and 14th in 2020. Redrock has also been recognised at the Australian Mortgage Awards as an Excellence Awardee and Finalist, including in the Boutique Aggregator of the Year category. These are placements and awardee or finalist recognitions rather than award wins, and they are published here so that brokers assessing Redrock as an aggregator can see the record as it stands. ### [Glossary](https://directory.redrock.com.au/glossary/) **Type:** CollectionPage The Redrock Glossary gives plain-English definitions of the mortgage and finance industry terms brokers encounter. This reference covers the language of mortgage aggregation — from foundational concepts such as aggregator and credit representative, through commission structures including trail commission and clawback, to regulatory obligations such as Best Interests Duty (which applies to consumer credit assistance, not commercial or business lending) and compliance under the National Consumer Credit Protection Act 2009, and dispute resolution through AFCA. Whether you are a broker comparing aggregation options or a professional firm entering mortgage broking, this glossary sets out the vocabulary that matters in Australian mortgage broking. ### [Finance & Mortgage Industry](https://directory.redrock.com.au/finance-mortgage-industry/) **Type:** CollectionPage The Finance & Mortgage Industry category is a reference section for mortgage and finance brokers, and for professional firms adding broking as a service line. It covers entry into the industry and business development: qualifications and licensing, the Certificate IV FNS40821 entry qualification, the ASIC credit licence application process, and the choice between holding your own Australian Credit Licence and operating as a credit representative — noting that moving to your own licence after around two years is an ASIC Regulatory Guide 206 guidance expectation rather than a statutory minimum. It also includes a framework for evaluating mortgage aggregators on commission structure, lender access, technology, compliance support and contract terms, plus a glossary of aggregation terminology. Course codes, ASIC form numbers and CPD requirements should be verified against the official source. --- ## Topical Authority ### [Commission Models Compared](https://directory.redrock.com.au/commission-models/commission-models-compared/) **Type:** WebPage ### [Inclusions And Fees](https://directory.redrock.com.au/commission-models/inclusions-and-fees/) **Type:** WebPage ### [Ways To Join Redrock](https://directory.redrock.com.au/entry-pathways/ways-to-join-redrock/) **Type:** WebPage ### [Tools Technology](https://directory.redrock.com.au/tools-technology/) **Type:** WebPage ---