When a client chooses you as their mortgage broker, they are extending a significant level of trust. You navigated them through a complex, often stressful, process and delivered an outcome. That relationship — grounded in expertise, communication, and results — is one of the most valuable assets in your business.
But here is the question most brokers do not ask: what happens the moment the home loan settles?
For the majority of broker businesses in Australia, the honest answer is: not much. The client receives their settlement confirmation, files the paperwork, and the engagement effectively ends. The broker moves on to the next deal. The client moves on with their life.
This represents an enormous missed opportunity — because your clients do not stop having financial needs once they own a home. They need personal loans. For renovations. For a new car. For a family holiday. For consolidating other debts. And when those needs arise, most of them simply walk into a bank — because no one told them there was a better option available through a broker they already trust.
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$9.4 billion in fixed-term personal loans in a single quarter (dec 25) |
$36B+ personal loans issued in Australia annually |
0 additional clients needed — your existing base is the opportunity |
Source: abs.gov.au
Personal loans occupy a unique space in the consumer lending market. They are high in demand, relatively straightforward to process, and — crucially — they are a product that most clients actively seek without any broker involvement. That means brokers who do offer personal loan services are not competing against other brokers; they are competing against direct-to-bank inertia.
The client who calls their bank for a personal loan does so not because the bank offers the best rate — but because they do not know another way. That is a gap CIMET's CaaS model closes for your business.
Through CIMET's Comparison as a Service platform, mortgage brokers can extend their offering to include personal loan referrals — giving clients access to a panel of competitive lenders, and giving brokers a clean, compliant revenue stream that requires no additional licensing, no complex advice obligations, and no additional staff.
CIMET's CaaS model embeds enterprise-grade comparison technology directly into your client journey — so your business can offer market-wide comparisons across utilities, financial products, and telecommunications without building, maintaining, or managing the infrastructure yourself. You focus on your clients. CIMET handles the comparison engine, provider relationships, and fulfilment. That is Comparison as a Service.
"Every client who settles a mortgage through you has already pre-qualified their trust. Personal loans are simply the next chapter of a relationship you have already built."
CIMET's broker partner platform is designed with one goal in mind: making it easy to offer more value to clients without adding complexity to your business. Built on the CaaS model, it gives you access to a live comparison engine spanning multiple personal loan lenders — without you needing to manage a single provider relationship. The personal loan referral journey is entirely digital and requires minimal time investment from your team.
Here is how it works in practice:
The experience is designed to be lightweight for you and genuinely useful for your clients. There is no compliance burden, no additional PI insurance requirement, and no need to retrain your team. CIMET handles the lending relationships, the comparison engine, and the fulfilment.
One of the most common objections brokers raise when considering personal loan referrals is: will my clients find it pushy? The answer, consistently, is no — provided the referral is positioned correctly.
Clients who have had a positive home loan experience with a broker are receptive to hearing about other financial products from that broker — particularly when those products are positioned as a service rather than a sales pitch. A simple post-settlement email that reads: "Did you know you can compare personal loan rates through my partner platform? It takes few minutes and could save you significantly compared to going directly to a bank" is not intrusive. It is genuinely helpful.
The clients who respond to that message were going to take out a personal loan anyway. You have simply ensured they did it smartly and with your support.
The most resilient broker businesses in Australia are not purely transactional. They build client relationships that generate value across multiple life events — not just at the point of home purchase. Personal loans are one of the most accessible entry points into this kind of diversified, client-centric model.
With CIMET's platform, the infrastructure is already built. The lender relationships are in place. The comparison technology is ready. All that is needed is your willingness to extend the conversation beyond the home loan and a client base that already trusts you to do so.
The best referral you will ever receive is from a client who believes you are always working to find them a better deal — not just at settlement, but for life
CIMET's partner onboarding process is fast, straightforward, and completely free to join. There are no ongoing fees, no minimum referral volumes, and no lock-in contracts. You earn when your clients benefit — a model built entirely on aligned incentives.
Partner with CIMET and let your existing client base become your most valuable growth asset.
Visit cimet.com.au to become a partner today.