For mortgage brokers: how can you add asset finance through a specialist panel partner?

Last updated 6 November 2026 · Reviewed by 360 Asset Finance Compliance

Why do many mortgage brokers refer asset finance rather than write it?

Many mortgage clients also need a car, a ute or business equipment. Writing consumer car and personal loans yourself means compliance obligations, including responsible lending and the best interests duty where it applies, and a lot of paperwork for each deal. For a broker whose focus is home and commercial lending, the reward often isn't worth the time.

There's also the policy work. Writing asset finance well means knowing each asset finance lender's policy on top of your home and commercial lenders, which isn't realistic for most mortgage brokers. We know the policies of our specialist panel across Australia and New Zealand, so you don't have to. We're a broker and don't lend our own money.

How do I refer a client, step by step?

1. Set up a referral agreement. You, or your licensee, sign a referral agreement with us. No accreditation is needed, and you stay with your aggregator.
2. Introduce the client. Tell us what the client needs, such as the asset and the timing, with the client's consent.
3. We take it from there. We contact the client, compare options from our panel, and prepare the application and documents.
4. We manage the deal to settlement. The client deals with us, and the lender assesses the application against its criteria.
5. The referrer is rewarded. We share the origination fee with whoever referred the deal, you or your licensee, as long as that party has a referral agreement with us.

Referral fees and commissions are disclosed to the customer as required.

Not sure a deal fits? Before you refer, you can talk a scenario through with a BDM or our credit team, so you know early whether it's worth referring.

Refer it or do it yourself?

What are the pros and cons of referring asset finance?

Possible advantages

• You can offer clients asset finance without doing the application work yourself.
• You don't need accreditation, a second lender panel or a change of aggregator.
• You or your licensee share the origination fee under a referral agreement.

Possible drawbacks

• The client deals with us for the asset finance, so you don't run that part of the relationship.
• You hand over the application, the lender choice and the timing.
• A referral agreement has to be in place first, and the lender still decides whether to approve the finance.

What are the ways to work with 360 Asset Finance?

• Refer under a referral agreement: you or your licensee sign a referral agreement with us. There's no accreditation and no change of aggregator; we do the work and share the origination fee.
• Join the 360 team: see our roles in asset finance with the 360 group. Careers.

Separately, brokers can accredit with 360 MMS for residential and commercial lending. 360 MMS is a mortgage manager, and that accreditation is for home and commercial loans only; it doesn't cover asset finance.

What asset finance can I refer?

Cars, utes and vans; trucks, trailers and heavy vehicles; yellow goods and earthmoving; plant and equipment; medical equipment, IT hardware, marine and aviation; car, caravan, boat and motorbike personal loans; and unsecured business loans. Structures include chattel mortgage, finance lease, operating lease or rental, novated lease and commercial hire purchase. All finance is subject to the lender's assessment.

What should I tell my client?

Let your client know you're introducing them to 360 Asset Finance, that we'll contact them and arrange the finance, and that the lender decides whether to approve it. Your client deals with us from there. Referral fees and commissions are disclosed to the customer as required.

How can 360 Asset Finance help?

We're a specialist asset finance broker working with a panel of lenders. For your clients, we can:

• talk a scenario through with you, through a BDM or our credit team, before you refer;
• contact your client, with their consent, and compare options across our panel;
• prepare the application and documents, and handle the compliance obligations for the application we arrange;
• work with the lender and keep your client updated through to settlement;
• share the origination fee with you or your licensee, whichever has the referral agreement with us;
• talk to you about joining the 360 team if you'd rather work in asset finance yourself.

FAQs

Sources and further reading:ASIC: Check if you need a credit licence · ASIC: Responsible lending · ASIC: Credit general conduct obligations

General information only. It doesn't take into account your objectives, financial situation or needs, and it isn't credit, tax or legal advice. Finance is provided by the lender you choose and is subject to its lending criteria; fees and charges apply. 360 Asset Finance is a trading name of Kuone Consulting Pty Ltd (ABN 75 647 329 002), Australian Credit Licence 566705.