We estimate about $25M per annum, when you add up the cost of a full-time staff member, associated HR and running expenses and industry expenses (i.e. licencing, PI etc). We also factor a little for risk and recruitment as staff are expected to move about.

Working exclusively with Advisers, our average loan size is slightly higher than the markets at $500,000. Although commission rates vary from lender to lender, as a rule of thumb, assuming you are on our flagship model OnePartner and placing 2 orders per month, you would add $30,000 to your revenue in the first year alone. With ongoing revenue, after 3 years, your loan book would be worth approximately $85,000.

You have loan by loan flexibility. All you need to do is follow the correct order process, as detailed in your adviser starter kit, for the relevant model you wish to use and you’re done. Please note, you cannot switch during the loan process.

We have dedicated and experienced loan writers backed by powerful systems and processes, and over 6 weeks will spend 16 hours on any given loan application. For inexperienced or undedicated loan writers, we have seen loans blow-out to anywhere between 3 and 6 months. Advisers on OneComplete and OnePartner can expect to spend no more than 15-30 minutes on any loan order.

As with most legislation, it comes down to interpretation and guidance must be received from your dealer groups compliance team. However, we believe a line exists between generic credit advice and specific product advice. Where you draw the line, we leave up to you, but it is not mandatory to be a Credit Rep if your advice is covered and documented in your SOA.

If you haven’t worked in lending before, we recommend you start on OneComplete, and complete our LearnLending training for new Credit Reps.

We can help you with an application to one of over 40 lenders – you can view the full list here. And while we offer mortgages from a broad range of lenders, there are a handful that we don't currently have access to, including HSBC, uBank and Loans.com.au.

Nothing; our service is completely free, from start to finish! Just like any broker, we get paid by the lenders for processing your mortgage application. This fee is a fraction of a percent of the value of your mortgage. We'll always tell you exactly what we're getting paid at the point of your application, so you know the full story.

We know it can feel safer and more convenient to use the institution you already have a relationship with. In some cases, your own bank may even be able to offer a fantastic rate. However, we exist solely to save you money, simplify the mortgage process and to find the best rate available to match your circumstances. We cut through lenders' teasers and spin to get down to the nitty-gritty, so you know exactly how much your mortgage will cost you. In addition, each lender has its own mortgage criteria and our advisers make sure to know what applications particular lenders prioritise, and we will present your case to them in the best possible light. If we find that your own bank is indeed the best lender available for you, we can also represent you to them and, as always, there's no fee! 

ONE10 is a specialised loan writing service exclusively for financial advisers. Therefore, in most cases your business has been referred to us. Where this applies we may pay a referral fee to these parties. If we do pay a fee to these parties, then

• * They have already advised you of this; and
• * We will disclose the actual fee in our proposal

You can also ask us about the fees at any time and we will tell you how much was paid and how it was worked out.