Model what the referral program pays you. Set your role, how often you refer, and the size of the deals you send — the projection updates live across Schedules A, B and C, including partner overrides.
Your referral profile
I am a
Client referrals
How often you refer a client. A quarter with no referral pays nothing.
Partner introductions
How often you introduce another professional to the program.
Typical loan size
Drives Schedule A and Schedule B fees.
Typical amount invested
Drives the Schedule C fee.
Assumptions behind this estimate
Schedule A
Broking — 50% of the upfront commission Siare receives, modelled on a planning average of 0.75% of the loan. Paid day one, then every 90 days: 3 payments over 6 months.
Schedule B
Property lending — 0.65% of the initial facility limit, minimum $2,000, maximum $25,000. 3 payments over 6 months.
Schedule C
Investment fund — 2.15% of the amount invested, capped at $25,000. 13 payments over 36 months. Pending final approval.
Activity condition
A quarter in which you make no successful referral of your own pays nothing at all — scheduled payments from earlier deals, including Partner Network Commission, are forfeited for that period.
Partner Network Commission
10% of what the professional you introduced earns, for 24 months from the introduction. Funded by us on top — it never reduces their fee.
Who you introduce
Modelled as two of your own profession for each of the other two — a broker introduces broker, accountant, broker, adviser, and so on. Each introduced partner earns under their own schedule.
Partner activity
Each professional you introduce is assumed to refer a client of their own in three quarters out of four.
Deal sizes
Default $1,000,000 loan and $400,000 invested. Adjust both above.
Average per year
Year two is used as the annual estimate, because year one is still ramping as deals begin paying.
Indicative estimate only, based on the Siare / DFS Referral Fee Program v3.2. It assumes every referral succeeds within its runway. Schedule A carries lender clawback if a loan discharges within 24 months. Fees are quoted excluding GST. This is not an offer, and actual commission depends on the facility, the lender and the terms confirmed in writing before each mandate.
