Our Service Fee
Our initial face to face consultation in establishing what you are looking for is fee and commission free. Upon accepting our services we then charge:
- for personal mortgages a consultancy fee of $250 plus GST for the first 2 face to face meetings. Any additional meetings after this will incur an hourly fee of $250 plus GST.
- for business finance and advisory services, a $250 plus GST per hour consultation fee will apply.
Our fees will be invoiced to you and payment will be required 14 days after the invoice has issued.
Should your loan be drawn, AAP Keuangan Broker akan menerima biaya dimuka dan komisi trail (see below for full details). Once the first payment is made by the lender to us, we will refund you back the invoiced consultation fees.
Periodic Review Fee
For a 6 atau 12 month review of your existing financial arrangements we will not charge a fee. If you would like this to be more regular such as a monthly or quarterly arrangement, the service fee of $250.00 plus GST per hour will be charged.
This will be invoiced to you and payment will be required 14 days after the invoice has issued.
Mortgage Brokering Fees and Trail Commissions
Our income is generated from fees and trail commissions paid by the lender in which the loan is with. These vary from lender to lender, but as a general rule we attract between 0.50% dan 0.70% of the total loan amount as our upfront fee. For example, a $300,000 Home loan will attract a up front fee of between $1,500 untuk $2,100.
Trail commissions are on average between 0.15% untuk 0.20% and are paid by the lender on a monthly basis, and is calculated on the outstanding balance of the loan – usually on the anniversary month of the loan being drawn. These commissions are paid on the life of the loan.
As a minimum, AAP Keuangan Broker akan membutuhkan pinjaman hipotek untuk ditempatkan dengan kami untuk 18 bulan, and business loans for 24 bulan. If these loans are paid within these time frames, the lender is entitled to recoup their upfront fees and commission trails in full or part. We will talk to you about this should this occur.
Once we know what upfront fees and commissions are paid to us by the lender we will inform you through formal documentation.
Umumnya, business lending including, kendaraan bermotor leasing dan pembiayaan alat menarik biaya depan up dinegosiasikan antara AAP Keuangan Broker dan pemberi pinjaman. These can vary from lender to lender and we will advise you prior to going ahead with any funding proposal.
Some lenders also offer a trail commission and again we will advise you once confirmed.
We charge a consultancy fee of $250.00 per hour plus GST. Should the work be extensive we are happy to negotiate a monthly fee. Please contact us to discuss.
Other Fees for Service
AAP Keuangan Broker juga dapat menerima referer dimuka asuransi biaya ketika kami tawarkan, financial planning or accounting referrals. This is determined at the time between ourselves and the service provider, and we will advise you of this upon confirmation of the fee.