Earn 20% to 30% Referral Commission with Owly
Deliver immense financing value to your clients. Refer buyers, landlords, or business clients who need mortgages or commercial funding—we manage all credit assessments and lender compliance while you earn transparent commissions.
Commission Estimator
*Based on standard Australian lender upfront (~0.65%) and trail (~0.15%) rates. Actual payouts depend on lender schedules and final settlement amounts.
Start Referring Today →Professions We Work With
Whether you are selling homes, advising businesses on tax, managing developments, or running rent rolls—Owly provides a tailored finance desk for your clients.
Real Estate & Buyer's Agents
Secure fast 48-hour conditional pre-approvals for prospective buyers and protect your sales contracts from falling through on finance clauses.
- Fast 48-hr pre-approvals
- Real-time client progress updates
- 20%-30% upfront & trail share
Accountants & Financial Planners
Deliver comprehensive debt structuring for your business, SMSF, and high-net-worth clients without taking on credit licensing obligations.
- 100% ASIC & BID compliant
- SMSF & commercial specialists
- Transparent monthly remittance
Property Developers & Builders
De-risk off-the-plan developments with pre-settlement mortgage reviews and construction loan packaging from 30+ Australian lenders.
- Off-the-plan finance desk
- Site & construction funding
- Dedicated developer manager
Property Managers & Agencies
Help tenants transition into first home ownership and assist landlords in refinancing investment property loans for improved cash flow.
- Portfolio health checkups
- Turn tenant inquiries into deals
- Zero extra administrative effort
Our Range of Lending Services for Your Clients
From first home buyers to multi-million commercial projects, Owly accesses over 30 accredited Australian residential banks and specialized commercial non-bank lenders.
Residential Home Loans
Purchases, owner-occupier mortgages, First Home Guarantee (5% deposit, no LMI).
Refinance & Cashbacks
Rate reductions, debt consolidation, unlocking equity for renovations or investment.
Commercial & Business
Commercial property, low-doc loans, business working capital, and tax debt solutions.
Asset & Equipment Finance
Vehicle leasing, machinery, healthcare equipment, and EV commercial finance.
Why Join the Owly Referral Network?
Built for professionals who expect white-glove communication, prompt settlement, and generous commission sharing.
Aggressive Commission
Receive 20% to 30% of total upfront and trailing broker commission upon loan settlement, paid directly to your nominated account.
Dedicated Senior Broker
Work directly with an accredited senior credit advisor who acts as a single point of contact for you and your clients.
Live Tracking Portal
Log in anytime to see the live status of every client (New → Contacted → Approved → Settled) with full transparency.
100% ASIC & BID Compliant
Owly operates strictly under Australian Best Interests Duty (BID), meaning your clients always receive the most competitive finance options.
Zero Extra Workload
Simply introduce the client via our 60-second form. We handle all paperwork, bank valuations, lender negotiations, and compliance.
How the Referral Workflow Operates
Four simple steps from client introduction to commission payment.
1. Introduce Client
Submit the borrower's name, phone, and borrowing goal in 60 seconds via your Partner Portal or quick web form.
2. Senior Credit Review
Our accredited senior broker contacts your client within 2 hours, presenting tailored mortgage comparisons.
3. Loan Settled
We manage the bank assessment, valuation, and legal settlement. You receive live milestone notifications.
4. Commission Paid
20% to 30% of total upfront commission is disbursed to your bank account with a clear RCTI tax invoice.
Frequently Asked Questions
Who can become an Owly referral partner?
Licensed real estate agents, buyer's agents, registered tax accountants, bookkeepers, financial planners, conveyancers, property managers, and property developers across Australia are eligible to join.
How and when is referral commission paid?
Referral commissions are calculated on the gross upfront and ongoing trail commission paid by the lender. Upon loan settlement and lender remittance, partner shares (20% to 30%) are disbursed monthly with a transparent tax invoice/remittance statement.
Is referring clients legally compliant under Australian credit laws?
Yes. Under the National Consumer Credit Protection Act (NCCP) Regulation 25, professional introducers may refer clients to licensed credit representatives provided standard disclosure requirements are satisfied (which Owly manages seamlessly).
Is there any minimum referral volume or subscription fee?
No. Joining the Owly Referral Partnership Program is completely free. There are no monthly subscriptions, minimum quotas, or lock-in contracts.
How do I submit referrals and monitor progress?
Once registered, you gain access to your self-service Partner Portal. You can submit client referrals in 60 seconds and track stage updates live from initial contact to settlement.
Join Our Growing Partner Network Today
Fill out the form to become an accredited referral partner or submit your first client referral directly. Our partnership team will contact you within 2 business hours.