Referral Program
Look after your people. Get paid for it.
If you know someone buying, building, investing or paying too much on their current loan, send them our way. They get a broker who structures the loan for the next ten years, not the next settlement. You get paid when it settles.
$200
$350
That is the rate for individuals making an introduction. Referring as a business or firm is a conversation about your clients and your volumes, not a number on a page.
Three steps. That's the whole thing.
Tell us who to look after
Send through a name and the best way to reach them, or pass on our details and let them come to us. Either works.
We do the heavy lifting
We take the call, map their position against 70+ lenders and structure the loan properly. You stay out of the paperwork entirely.
You get paid on settlement
When their loan settles, your referral fee is paid. No milestones to chase, no clawback games, no unpaid follow-up work.
Built for people who are already having the conversation.
People who know people
Tradies, accountants, buyer's agents, conveyancers, financial advisers, real estate agents and property managers.
Serving and ex-serving ADF
If your circle understands DHOAS, HPAS, HPSEA or posting cycles, your introductions land with a broker who does too.
Investors and business owners
You already talk numbers with the people around you. Make the conversation worth something to you both.
Anyone with good mates
No licence, no accreditation and no sales script required. You make the introduction; we take responsibility for the advice.
The Numbers
What you get paid, printed on the page.
No points, no tiers to climb, no threshold you have to clear before you see anything back. If you are an individual making an introduction, this is the rate and it does not move.
$200
Paid per settled loan you introduced. One introduction, one payment.
$350
The rate on the bigger positions — the ones where structure actually matters.
Ten settled introductions is $2,000 to $3,500 in your account. Most people who refer well do it because the loan was worth fixing anyway — the payment is just the polite part.
Referring as a business? That's a conversation.
Accountants, conveyancers, buyer's agents, builders, body corporate managers, relocation teams and HR: a flat per-loan fee is not always the right shape for a firm. Volume, exclusivity, co-marketing, a named contact for your clients, or a referral arrangement written into a services agreement — tell us how you work and we will put a proposal in front of you before a single client is passed across.
Start that conversationThe conditions, in plain English
- The referred loan must settle at $350,000 or more.
- The person you refer must be 18 or over, and you cannot be a joint applicant on their loan.
- Your fee is paid once the loan settles and the lender has paid Vairo its commission.
- Your terms are confirmed in writing before you make the introduction, so nothing is left vague.
Your reputation goes with the referral. We treat it that way.
A referral is a loan of your credibility. Everything below exists so you get it back intact.
- Your name stays attached to a good outcome, not a hard sell. We would rather lose a deal than structure one badly.
- Every referral gets the same process our own clients get: full position review, lender comparison, structure and offset strategy.
- You are told where things stand. If a referral is not ready to borrow, we say so early instead of stringing them along.
- You keep your relationship. We are the broker in the background, not the person who takes over your client list.
Join
Register as a referral partner
Send your details through and Wil will call you to confirm how referrals are tracked, when you get paid and what your terms look like. Individuals are confirmed on the published rate above. Businesses get a proposal written around how they actually work. Nothing is signed until you are happy with it.
Prefer to talk first? Book a time or email hello@vairofinance.com.
Referral fees are payable only on settled loans of $350,000 or more, are confirmed in writing before you make an introduction, and are paid once the loan has settled and the lender has paid Vairo its commission. You must not be a joint applicant on the referred loan. Business and commercial referral arrangements are agreed directly and may differ from the published individual rates. Referrers do not provide credit assistance and must not give credit advice. All lending decisions and advice remain the responsibility of Vairo Finance and the lender.