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 and B, including partner networking commission, at the current Rate Schedule.
Your referral profile
Client referrals
Each is paid once, on the 1st of the month after it funds.
Partner introductions
Earn 10% of what they earn for 24 months.
Deal type
Broking: 50% of our commission. Lending: 0.5% of the facility.
Broker fee (0.06%)
If you pay, 50% comes back at 12 and 24 months.
Typical loan size
Broking assumes 0.7% commission.
Assumptions behind this estimate
Current rates
Uses the current Rate Schedule for program v4.0. Rates can change on 30 days’ notice, and the Rate Schedule in the partner portal is authoritative.
Schedule A
Broking and commercial finance advice — 50% of the upfront commission Siare receives, modelled on a planning average of 0.7% of the loan (so $3,500 on a $1,000,000 loan), with no cap. Paid in one payment. Background (white-label) referrals, where we never contact your client, are paid at 40%; this estimate uses 50%.
Broker fee
0.06% of the facility, currently on home loans and residential investment loans only. At lodgement you choose who pays it. Client pays: nothing is deducted and the fee is disclosed to your client before application. I pay: it is deducted from your payment, then 50% is paid back at 12 months and 50% at 24 months as a loyalty bonus, if the loan is still on foot, no commission has been reversed and your membership is Active. The headline share stays 50%. This estimate treats every Schedule A deal as residential and assumes you stay Active.
Schedule B
Property lending funded by Siare — 0.5% of the facility, minimum $2,000, no maximum. Paid in one payment.
Payment timing
One payment on the 1st of the month after the deal funds; deals funding on or after the 21st are paid in the following month’s run. The projection groups payments by quarter: your first referral settles in month 0 and repeats at the frequency you set, and each payment sits in the quarter it falls due.
No activity test
No instalments, no activity test and no monthly cap on referral fees. A paid referral fee is not clawed back; the only exception is that it is repayable if your own business refinances the loan within 24 months.
Partner networking commission
10% of the referral fees a professional you introduce earns, for 24 months from the introduction. Funded by us on top — it never reduces their fee. It accrues only while your membership is Active and is not earned on loyalty bonuses.
Active membership
At least one successful referral in the preceding 12 months: a direct or indirect client referral that settled, or a partner referral where the professional you introduced created and verified a portal account. One referral a year keeps every bonus open, not one per deal. The projection assumes you stay Active.
Indirect referrals
If you send a client to another professional who refers them to us, you receive 20% and they net 80%, per deal. This projection models every client referral as direct.
Deal type
Brokers, accountants, advisers and other referrers are modelled on the deal type you choose. Professionals you introduce are modelled on broking.
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, with the broker fee paid by their client.
Partner activity
Each professional you introduce is assumed to refer a client of their own in three quarters out of four.
24-month window
The projection stops at month 24, so loyalty bonuses falling after month 24 sit outside the view. The total understates rather than overstates.
Deal sizes
Default $1,000,000 loan. Adjust above.
Average per year
The 24-month total divided by two.
Indicative estimate at the current Rate Schedule for program v4.0. Rates can change on 30 days’ notice; the Rate Schedule in the partner portal is authoritative. Assumes every referral settles. Excludes GST. A valid ABN is required before payment. This is not an offer, and actual commission depends on the facility, the lender and the terms confirmed in writing before each mandate.
