Established Connective Mortgage Brokerage | $160M+ Active Loan Book | Strong Recurring Trail Income & Growth Platform

Short Summary

Long-established Connective mortgage brokerage with a $160M+ active loan book, strong recurring trail income, high client retention, established referral relationships and a substantial client database. Supported by experienced staff, established systems and significant opportunities to generate additional revenue from the existing client base.

Key Selling Points

• Established brand
• Flexible hours
• Low Overheads
• Low working capital requirements
• Cashflow Positive
• Strong year to year Sales
• Strong year to year Growth
• High Profit Margins
• Online-based
• location-independent Or remove if not an option
• High percentage of organically driven sales
• Large Database of Customers
• Expansive Online Presence
• Can work remotely from anywhere in the world with access to Computer, Internet and Phone!
• Proven trading through Covid
• CRM System in place
• Referral Agreements in Place
• High Client Retention Rate
• Low Early-Stage Runoff and Clawbacks
• Consistent Trail Commission
• Healthy Loan Book with Low Arrears
• Favourable Borrower Mix with a good balance of owner-occupied and investment loans with a profile that offers capacity for future cross-selling or refinancing
• Strong Lender Diversification spread across multiple lenders
• Warm handover offered

This long-established Connective mortgage and finance brokerage represents an opportunity to acquire substantially more than a recurring trail book.

The business has a $160M+ active loan book supported by strong recurring trail commission income. The May trail payment, received in June, was $22,387.50 net ($24,626.33 including GST).

The loan book comprises a diversified mix of owner-occupied and investment lending across multiple lenders, providing diversification and reducing reliance on any individual lender or lending segment.

In addition to the existing loan book, the business has developed a substantial established client database, providing ongoing opportunities for repeat lending, refinancing, equity releases, additional property purchases and referrals. A structured six-monthly client review program supports retention and provides regular opportunities to identify further lending requirements.

The business provides residential, investment, construction and bridging finance together with commercial, business and asset finance solutions, creating opportunities for a purchaser to generate additional revenue from the existing client base.

New business is generated through a combination of the existing database, repeat clients, client referrals, professional referral relationships, digital/organic channels and established industry relationships.

Importantly, the purchaser is acquiring an established operating platform rather than simply a trail book. Mercury Nexus CRM, documented workflows, templates, digital assets and established processing and administrative support are already in place. One para-broker and one loan processing/administration team member are expected to be interested in continuing with the business under new ownership, providing valuable continuity following settlement.

The business operates predominantly through cloud-based systems and can service clients throughout Queensland and nationally without being dependent upon a particular physical location. This also provides considerable flexibility for an existing brokerage or financial-services business to integrate the operation into its existing infrastructure.

There are a number of identifiable growth opportunities available to a purchaser, including greater utilisation of the existing database, expanded asset and vehicle finance, commercial and business lending, increased referral-partner development and further automation of client retention and marketing activities.

The principal owner will provide a comprehensive handover, including introductions to key referral and professional relationships, aggregator contacts and other important business relationships, together with transitional assistance to support continuity of the client base.

The sale represents an opportunity for either an established brokerage seeking immediate scale and recurring income or an experienced broker seeking to acquire an established operating business with a substantial loan book, client database, systems, staff support and future growth opportunities.

Contact Blake Marshall 0413 895 244 | Anita Marshall 0439 393 178

Asking $1,130,000

Ref. no. BUY2700

DISCLAIMER:
The information contained in this advertisement and any other material provided in connection with the sale of this business has been supplied by the seller and other sources deemed reliable. While every care has been taken to verify the accuracy of the information, Business Classifieds Pty Ltd ATF Business Classifieds Trust and its agents make no representations or warranties (express or implied) as to the accuracy, completeness, or currency of the information provided.

Prospective purchasers must make their own independent enquiries, investigations, and assessments and should seek professional advice from their accountant, solicitor, and/or other relevant advisors.

No reliance should be placed on any statement, forecast, or representation as to future matters, including profitability, performance, or growth potential, which are inherently subject to business, market, and economic risks.

Business Classifieds Pty Ltd ATF Business Classifieds Trust and its representatives do not accept liability for any loss, cost, or damage arising directly or indirectly from any decision made based on the information provided.

This advertisement and any other material provided in connection with the sale of this business does not constitute legal, financial, or business advice and is not a substitute for a full due diligence investigation. The sale of this business is subject to contract and the final approval of the seller.

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CONFIDENTIALITY & NON-CIRCUMVENTION AGREEMENT. Parties: This Agreement is made between Business Classifieds Pty Ltd (ACN 130 005 426) ATF Business Classifieds Trust ("the Agent"), and The undersigned recipient ("the Recipient"). (1) Interpretation: For the purposes of this Agreement: "Business/Property" means the business and/or assets and/or property referred to by the Agent and/or described in any document, advertisement, memorandum, or agreement provided by the Agent. "Confidential Information" means all information, documents, data, forecasts, statements, and material (whether written, verbal, or electronic) disclosed by the Agent or the Seller in connection with the Business/Property, excluding information which is in the public domain other than through a breach of this Agreement. "Seller" means the party who owns or controls the Business/Property, and includes their heirs, executors, administrators, successors, assigns, or any related entity. "Recipient" means the individual or entity receiving Confidential Information, and includes its officers, employees, advisors, agents, representatives, successors, and assigns. Words denoting the singular include the plural and vice versa. Obligations bind parties jointly and severally. (2) Confidentiality Obligations: The Recipient agrees: (a) to keep all Confidential Information strictly confidential; (b) not to disclose any Confidential Information to any person without the prior written consent of the Agent, except to professional advisors (lawyers, accountants, or financiers) who require such information for the purpose of assessing the Business, provided such advisors are also bound by equivalent confidentiality obligations; and (c) to return or permanently delete all Confidential Information, including any copies, notes, or electronic records, upon request or immediately upon the Recipient electing not to proceed with the acquisition of the Business. (3) Non-Circumvention & Commission Protection: (a) The Recipient acknowledges that the Agent is the introducing party and the effective cause of all dealings with the Seller, (b) The Recipient agrees not to approach the Seller, directly or indirectly, or attempt to negotiate, purchase, lease, invest in, or otherwise acquire any interest in the Business/Property, except through the Agent, unless otherwise agreed in writing by the Agent, (c) The Recipient must not: (i) bypass, avoid, or circumvent the Agent in any dealings with the Seller; (ii) assist any other party to do so; or (iii) take any action that interferes with or diminishes the Agent's entitlement to commission, (d) If the Recipient, or any related entity, nominee, associate, or advisor of the Recipient, acquires any interest in the Business/Property, whether directly or indirectly, the Recipient agrees the Agent is deemed to be the effective cause of the transaction and the Agent's full commission is payable by the Seller in accordance with their agency agreement, (e) If the Recipient is found to have breached this clause, the Recipient agrees to indemnify the Agent against any loss, commission, costs, or damages suffered as a result of such breach.*

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ANTI-MONEY LAUNDERING (AML) & COUNTER-TERRORISM FINANCING (CTF) AGREEMENT. Anti-Money Laundering & Counter-Terrorism Financing. The Recipient acknowledges that the Agent is a reporting entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) ("AML/CTF Act") and is required to conduct customer due diligence as a condition of providing its services. (1) The Recipient agrees to: (a) provide accurate and complete information to enable the Agent to verify the Recipient's identity and, where required, the identity of any beneficial owner or controlling person on whose behalf the Recipient is acting; (b) disclose the intended source of funds for the proposed acquisition; (c) provide supporting documentation evidencing the source of funds and/or source of wealth upon request by the Agent; (d) disclose whether the Recipient is, or is associated with, a Politically Exposed Person (PEP) or is listed on any sanctions register; (e) promptly provide any additional verification documents reasonably requested by the Agent to satisfy its obligations under the AML/CTF Act or any related legislation. (2) The Recipient confirms that all information provided to the Agent is true, accurate, and complete, and acknowledges that the Agent may be unable to provide services, or may be required to suspend or terminate services, if satisfactory customer due diligence cannot be completed. (3) The Recipient acknowledges that the Agent is prohibited by law from disclosing certain compliance-related actions, including the filing of any Suspicious Matter Report (SMR) with AUSTRAC, and the Recipient agrees not to take any action that may impede the Agent's compliance with its legal obligations.*

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In accordance with the Agent's obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Agent is required by law to verify the identity of all parties before providing services, and cannot proceed until satisfactory identity documents have been received. The Recipient must upload clear, legible photographs of FRONT OF PHOTO ID — showing full name, date of birth, photo, and document number (e.g. driver's licence or passport).*

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In accordance with the Agent's obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Agent is required by law to verify the identity of all parties before providing services, and cannot proceed until satisfactory identity documents have been received. The Recipient must upload clear, legible photographs of BACK OF PHOTO ID — showing additional details (e.g. residential address).*

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In accordance with the Agent's obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Agent is required by law to verify the identity of all parties before providing services, and cannot proceed until satisfactory identity documents have been received. The Recipient must upload clear, legible photographs of SELFIE HOLDING YOUR PHOTO ID — the Recipient and Photo ID must be clearly visible alongside each other in a single photograph taken in good lighting.*

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all information provided above is true, accurate, and complete;

funds used in this acquisition are from a legitimate source and do not involve proceeds of crime; and

the Recipient will promptly provide any additional identity or source of funds documentation reasonably requested by the Agent.

the Agent may decline to provide services if satisfactory due diligence cannot be completed, and is prohibited by law from disclosing the filing of any Suspicious Matter Report (SMR) with AUSTRAC.

Privacy Consent & Collection Notice: Before signing this Agreement, the Recipient is advised that the Agent will collect personal information from the Recipient, including identity documents, source of funds information, and related data ("Personal Information"), for the following purposes: (1) verifying the Recipient's identity in accordance with the Agent's obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth); (2) assessing the Recipient's suitability as a prospective purchaser; and (3) disclosing information to AUSTRAC or other regulatory authorities where required by law. The Recipient has the right to access and correct their Personal Information by contacting the Agent. The Agent's Privacy Policy is available at https://goldcoastbusinessbrokers.com.au/privacy-statement/. By signing below, the Recipient expressly consents to the collection, use, storage, and disclosure of their Personal Information for the purposes set out above.*

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