Paid by the lender at settlement, on the amount drawn net of any offset. That is the MFAA's usual range.
On $1M drawn that is $6,500 to $7,000, before any split.
What broking and banking roles actually pay.
Real benchmarks for both sides of the market.
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Loan Processor (0-3 yrs) Basic salary, with a small fee for referrals and activity bonuses. | $60k - $75k+ Super | $62k - $77k+ Super | $65k - $80k+ Super | $58k - $72k+ Super | $55k - $70k+ Super | $50k - $65k+ Super |
| Senior Loan Processor (3+ yrs) Bonuses linked to team settlement volume and client satisfaction KPIs. | $75k - $90k+ Super | $78k - $95k+ Super | $80k - $100k+ Super | $73k - $88k+ Super | $70k - $85k+ Super | $75k - $90k+ Super |
| Client Service Manager Basic salary, with a small fee for referrals and activity bonuses. | $75k - $95k+ Super | $78k - $100k+ Super | $80k - $105k+ Super | $73k - $92k+ Super | $70k - $90k+ Super | $65k - $85k+ Super |
| Credit Analyst Occasional team bonuses tied to settlement figures. | $80k - $100k+ Super | $85k - $105k+ Super | $90k - $110k+ Super | $78k - $98k+ Super | $75k - $95k+ Super | $70k - $90k+ Super |
| Commercial Credit Analyst Business and commercial lending rather than home loans. More complex files, more analysis, and a step up on the residential band. | $100k - $115k+ Super | $105k - $120k+ Super | $110k - $125k+ Super | $98k - $113k+ Super | $95k - $110k+ Super | $90k - $105k+ Super |
| Development & Commercial Property Finance Analyst Development and commercial property finance. Financial modelling, credit submissions and capital stack work, and it wants a degree and real experience. The same band in every city, because this is a national talent pool rather than a local one. | $120k - $140k+ Super | $120k - $140k+ Super | $120k - $140k+ Super | $120k - $140k+ Super | $120k - $140k+ Super | $120k - $140k+ Super |
| Broker (2-5 yrs) Growing portfolio; base plus commission, with bonus tied to settlements above minimum KPIs. | $85k - $110k+ Super | $90k - $115k+ Super | $95k - $120k+ Super | $85k - $105k+ Super | $80k - $100k+ Super | $75k - $95k+ Super |
| Senior Broker (5+ yrs) High commission splits are common (60%+). Trail is factored in to reward longevity. | $110k - $140k+ Super | $115k - $145k+ Super | $120k - $150k+ Super | $110k - $135k+ Super | $105k - $130k+ Super | $110k - $140k+ Super |
| Credit Manager Base is often only part of it. Equity, revenue share and other bonuses are common, and how much of the package sits outside base scales with the size of the business. | $120k - $140k+ Super | $125k - $145k+ Super | $130k - $150k+ Super | $115k - $135k+ Super | $110k - $130k+ Super | $105k - $125k+ Super |
| Head of Lending A wide band because the title covers two different jobs. A brokerage head of lending runs the low end and often still writes; an institutional or product role runs the top. Equity or a buy-in is common at this level and closes much of the gap. | $160k - $220k+ Super | $165k - $225k+ Super | $170k - $230k+ Super | $155k - $215k+ Super | $150k - $210k+ Super | $160k - $220k+ Super |
How broker pay sits on top
For broking roles, the base above is only part of the story.
Brokers also earn upfront commission when a loan settles, and trail for as long as it stays on the book.
Want to play with the numbers? Have a go on the broker earnings calculator.
Paid every year the loan stays on the book, about $125 a month for every $1M still owing.
Build the book up and it turns into a proper annuity.
Employed brokers trade a slice of commission for a base and support.
Self-employed brokers keep more, but carry their own costs and risk.
Retail lending
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Lending Manager | $85k - $120k+ Super | $95k - $140k+ Super | $100k - $150k+ Super | $80k - $130k+ Super | $80k - $120k+ Super | $75k - $120k+ Super |
| Mobile Banker / Lender | $95k - $140k+ Super | $110k - $160k+ Super | $110k - $170k+ Super | $95k - $160k+ Super | $100k - $160k+ Super | $90k - $120k+ Super |
Lending operations & credit
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Settlements Officer | $65k - $75k+ Super | $70k - $85k+ Super | $75k - $90k+ Super | $60k - $80k+ Super | $60k - $75k+ Super | $60k - $70k+ Super |
| Credit Analyst | $75k - $95k+ Super | $90k - $110k+ Super | $90k - $120k+ Super | $70k - $90k+ Super | $70k - $95k+ Super | $70k - $90k+ Super |
| Senior Credit Analyst | $80k - $105k+ Super | $90k - $130k+ Super | $100k - $130k+ Super | $85k - $110k+ Super | $80k - $110k+ Super | $80k - $100k+ Super |
| Manager | $90k - $130k+ Super | $100k - $160k+ Super | $100k - $160k+ Super | $90k - $130k+ Super | $90k - $130k+ Super | $90k - $120k+ Super |
| Senior Manager | $110k - $155k+ Super | $130k - $200k+ Super | $130k - $220k+ Super | $130k - $200k+ Super | $110k - $145k+ Super | $95k - $120k+ Super |
| General Manager | $145k - $235k+ Super | $170k - $280k+ Super | $200k - $300k+ Super | $140k - $260k+ Super | $130k - $220k+ Super | $130k - $200k+ Super |
Business & commercial lending
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Assistant RM | $75k - $95k+ Super | $70k - $100k+ Super | $80k - $100k+ Super | $75k - $100k+ Super | $80k - $100k+ Super | $70k - $85k+ Super |
| Relationship Manager | $90k - $135k+ Super | $90k - $140k+ Super | $105k - $150k+ Super | $90k - $140k+ Super | $90k - $140k+ Super | $85k - $125k+ Super |
| Sales Manager | $120k - $165k+ Super | $125k - $200k+ Super | $135k - $200k+ Super | $125k - $180k+ Super | $120k - $160k+ Super | $115k - $150k+ Super |
| Executive Manager | $160k - $210k+ Super | $190k - $250k+ Super | $190k - $260k+ Super | $160k - $240k+ Super | $160k - $200k+ Super | $150k - $190k+ Super |
| State Manager | $185k - $245k+ Super | $210k - $300k+ Super | $210k - $300k+ Super | $200k - $260k+ Super | $185k - $250k+ Super | $180k - $230k+ Super |
| BDM | $115k - $175k+ Super | $115k - $180k+ Super | $120k - $210k+ Super | $115k - $200k+ Super | $120k - $180k+ Super | $110k - $160k+ Super |
Corporate & institutional lending
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Assistant RM | $80k - $120k+ Super | $80k - $130k+ Super | $80k - $130k+ Super | $80k - $130k+ Super | $80k - $110k+ Super | $75k - $100k+ Super |
| Relationship Manager | $95k - $145k+ Super | $100k - $160k+ Super | $100k - $160k+ Super | $100k - $150k+ Super | $90k - $140k+ Super | $90k - $120k+ Super |
| Senior RM | $120k - $205k+ Super | $125k - $230k+ Super | $130k - $240k+ Super | $120k - $230k+ Super | $120k - $190k+ Super | $110k - $170k+ Super |
| Executive Manager | $165k - $235k+ Super | $180k - $250k+ Super | $190k - $270k+ Super | $170k - $240k+ Super | $160k - $220k+ Super | $150k - $200k+ Super |
Asset & equipment finance
| Role | National avg | Melbourne | Sydney | Brisbane | Perth | Adelaide |
|---|---|---|---|---|---|---|
| Sales Support | $65k - $75k+ Super | $65k - $80k+ Super | $70k - $80k+ Super | $65k - $80k+ Super | $65k - $80k+ Super | $65k - $75k+ Super |
| Settlements | $70k - $85k+ Super | $70k - $85k+ Super | $75k - $90k+ Super | $70k - $85k+ Super | $65k - $80k+ Super | $65k - $80k+ Super |
| Credit Analyst | $75k - $100k+ Super | $75k - $100k+ Super | $80k - $110k+ Super | $75k - $100k+ Super | $70k - $100k+ Super | $70k - $90k+ Super |
| Senior / Technical Credit | $85k - $135k+ Super | $90k - $130k+ Super | $105k - $160k+ Super | $95k - $140k+ Super | $85k - $150k+ Super | $80k - $110k+ Super |
| BDM | $95k - $145k+ Super | $100k - $140k+ Super | $110k - $160k+ Super | $100k - $160k+ Super | $100k - $160k+ Super | $90k - $120k+ Super |
Source: FinTalent placement data and ABS, current to June 2026
Want the number for your seat?
Whether you are hiring and benchmarking a package,
or weighing up a move, we will give you the honest read
for your specific role, city and side of the market.