National Brokers Group

What National Brokers Group does

National Brokers Group operates as a wholesale mortgage and finance aggregator in Australia, trading under the Vow Financial brand and now rebranded to YBR Aggregation. Founded in 2010 through the consolidation of National Brokers Group, The Mortgage Professionals, and The Brokerage — and merged with the Yellow Brick Road Group in 2014 — the company aggregates 1,250+ mortgage and finance brokers nationally and supports a loan book of more than A$45 billion. National Brokers Group does not lend directly to borrowers; it provides brokers with lender network access, compliance support, training, marketing, and back-office infrastructure.

The company's core technology is VOWNET, an industry-leading CRM platform developed to manage broker client relationships, track loan applications, and streamline brokerage operations. The product surface is built on a platform-plus-modules architecture: VOWNET underpins the core aggregation offering, and a diversified add-on product array — including equipment and asset finance, risk insurance, online conveyancing, wills and estates, SMSF services, and wealth creation/retirement planning — extends broker revenue streams via referral partnerships. Two broker pricing models are offered: a Competitive Percentage Model with tiered commission rates scaled to settlement volume, and a Transaction Model charging A$195 (+ GST) per settled loan and A$5.50 (+ GST) per trail transaction.

The business generates revenue primarily through upfront commissions on settled loans and trail commissions on ongoing loan performance, supplemented by per-settlement transaction fees and diversification income from cross-sell products. Distribution is executed via a national network of State Managers and Business Development Managers covering NSW, QLD, WA, VIC/TAS, and SA, supported by content marketing (Vow Broker Podcast, broker blog, information sessions) and broker testimonials. The customer base is entirely SMB-segment mortgage and finance brokers; the company holds Australian Credit Licence 390261, with brokers able to operate as Australian Credit Representatives under that licence.

Name

National Brokers Group

Legal name

Vow Financial Pty Ltd

Website

https://nationalbrokersgroup.com.au

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

National Brokers Group is an Australian wholesale mortgage aggregator, operating as Vow Financial (rebranded to YBR Aggregation), serving 1,250+ brokers managing over A$45bn in loans via the VOWNET CRM, lender network access, and a diversified cross-sell product array.

Ownership category

akta.pro rank

Product category

Mortgage Aggregation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Wholesale Mortgage Broker Networks / Master Brokers (FSALABAC)

akta.pro secondary industries

Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

Keywords

• Mortgage aggregation
• Wholesale broker services
• Commission management
• Broker CRM platform
• Lender network access

Headquarters

HQ city

Not specified

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Broker Subscription and Commission Fees: Vow Financial generates revenue through commission fees from brokers, including upfront commissions on settled loans and trail commissions on ongoing loan performance. The aggregator also offers a Transaction Model with per-settlement fees and a Competitive Percentage Model with tiered commission rates based on volume.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

National Brokers Group operates a wholesale mortgage aggregation service in Australia, connecting 1,250+ affiliated brokers to a network of lenders and specialist lenders. Brokers are supported with the proprietary VOWNET CRM, a dedicated compliance team, training, marketing assistance, and either a Competitive Percentage commission model or a Transaction Model (per-settlement fee of $195 + GST per loan, $5.50 + GST per trail transaction).

Product overview

National Brokers Group operates as a mortgage and finance aggregator under the Vow Financial / YBR Aggregation brand, offering a unified platform connecting over 1,250 brokers with a network of lenders. The core platform is complemented by the VOWNET CRM system for client and business management. The company offers two distinct commission models: the Competitive Percentage Model with tiered rates based on settlement volumes, and the Transaction Model with fixed fees per settlement. Additionally, the aggregator provides multiple add-on financial products and services through referral networks, including equipment and asset finance, risk insurance, online conveyancing, wills and estates, SMSF services, and wealth creation/retirement planning. This platform-plus-modules architecture enables brokers to access comprehensive financial services while maintaining multiple income streams.

Differentiator

Problem solved

Functional benefit

Brands

• VOWNET: Industry-leading CRM platform for brokers

Products and services

• Vow Financial / YBR Aggregation Brokerage Services Wholesale mortgage and finance aggregation platform serving Australian mortgage brokers, providing access to a network of lenders and specialist lenders, commission structures, compliance support, training, marketing assistance and cross-referral income opportunities across home loans, asset finance, commercial and personal loans.
• VOWNET CRM Platform Industry-leading customer relationship management platform built for the broker network to manage client relationships, track loan applications and streamline brokerage operations.

Quantifiable outcome

• Over $45 billion in loans managed by affiliated brokers

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core.

• Yellow Brick Road GroupcoreStrategic or Co-development PartnerMerged with Yellow Brick Road Group in 2014 to form Vow Financial. The combined entity operates under the Vow Financial brand while maintaining the Yellow Brick Road franchise network.
• Network of Lenders and Specialist LenderscoreChannel Partner/ Reseller/ DistributorAccess to a strong network of lenders and specialist lenders enabling brokers to provide diverse loan products including home loans, asset finance, commercial loans, and personal loans.
• State Manager NetworkcoreChannel Partner/ Reseller/ DistributorNational network of State Managers providing local support and guidance to brokers across Australian states including NSW, QLD, WA, VIC/TAS, SA, and other regions.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat6 records

Key risks1 record

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/national-brokers-group

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Brokers Group