Referral agreement, Keyline Finance and Corrimal & Hale
Referral agreement template with a fee table by product
A referral agreement works when it is clear where the referral stops and the advice starts. This one has a real estate agency passing buyers to a mortgage broker for a fee that ranges from $250 to $1,100 by product, attributed for 90 days, paid monthly, and clawed back if the lender claws back first.
The document, page by page
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Section by section
What each section is for, so you can keep the ones you need and drop the rest.
- Parties and summary
- Both ABNs, the credit licence, and a stats strip with the window, fee ceiling and clawback.
- 1. What each party does
- Where the introduction stops, and who carries the credit licence obligations.
- 2. Making a referral
- How a referral is recorded and confirmed, and the 90 day attribution rule.
- 3. Fees
- A table of six products with the fee and the trigger, and the clawback scale.
- 4. Payment
- Monthly settlement by the 15th, with a statement and a recipient created tax invoice.
- 5. Disclosure and privacy
- What the client is told before details move, consent, and a callout on why it matters.
- 6. Term and general
- Thirty days notice, no exclusivity, surviving fees and governing law.
Clauses in this document
How to adapt this agreement
For a referral into a service with no licensing overlay, such as a designer sending work to a printer, cut the disclosure clause back to a single sentence and keep the attribution rule, because that is the part that still causes arguments. For a two way arrangement, write both directions into one document with separate fee tables, rather than signing two agreements that can drift apart. For a revenue share rather than a flat fee, add a reporting obligation and an audit right, since the referrer is now relying on numbers it cannot see.
Which law the terms follow
The agreement is governed by the law of New South Wales and is written for Australian credit referrals. The broker holds the credit licence and carries the obligations that come with it, while the referrer limits itself to an introduction and a disclosure, which is what keeps it out of credit assistance. Fees are quoted exclusive of GST, paid by recipient created tax invoice, and consent is handled under the Australian Privacy Principles.
What makes this document work
The fee table prices six products, each with its own trigger
From $250 for asset finance to $1,100 for a commercial or self managed super fund loan, each with the trigger written beside it, and a construction loan paid on first drawdown rather than settlement. Fees are quoted exclusive of GST and per settled loan, not per application.
Attribution is a rule, not a conversation
A fee is payable if the client applies within 90 days of the referral. Two referrers introducing the same client are settled by whichever referral was logged first, and a client already on the broker's books in the previous six months is not new. Every one of those is a real argument.
Clawback mirrors the lender, so nobody carries it alone
If the lender claws back the broker's commission inside 12 months, the referral fee is repaid on the same scale: all of it in the first six months, half in months seven to twelve, set off against the next monthly payment rather than invoiced separately.
Questions people ask
What is a referral agreement?
A contract setting out how one business introduces customers to another and what it is paid for doing so. It records how a referral is made and logged, how long the introduction is credited for, what triggers the fee, when it is paid, and what the referrer must tell the customer.
How is a referral fee usually calculated?
Either as a flat fee per converted referral or as a share of the revenue it produces. This agreement uses a flat fee that varies by product, from $250 to $1,100 plus GST, paid per settled loan. A flat fee avoids the referrer needing visibility of the broker's own commission.
What is a referral attribution window?
The period in which a customer's business is still credited to the introduction. Here it is 90 days from the referral date to the date the client applies. Without a window, a referrer can claim a fee on a customer who came back years later for reasons that had nothing to do with the introduction.
Does a referrer have to tell the customer about the fee?
Under this agreement, yes, before any details are passed. The referrer says that it will be paid a fee, that it is not giving advice about the loan, and that the client may go to any broker. The broker repeats the disclosure in its first written contact, so the record exists twice.
Why can the real estate agency not quote a rate or compare loans?
Because under the National Consumer Credit Protection Act 2009, suggesting a credit product or helping someone apply for one is credit assistance, which needs a credit licence or an authorised credit representative. Clause 1.1 keeps the agency to passing on contact details with consent, so it never compares products, quotes a rate, estimates borrowing capacity or helps with the application, and the broker carries the licence obligations.
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