Residential mortgage trail book, home based
Photos: Gold Coast Business Brokers
About the business
This mortgage and finance business in Gold Coast, Queensland, is an established residential trail book that generates monthly trail income. The book was established in 2019, and about 99% of its borrowers work in the nursing profession. Clients are predominantly healthcare workers located throughout the Gold Coast and Northern NSW, with borrowers Australia-wide. The portfolio has a database of approximately 400 active contacts. The business is home based, has traded through Covid and has a CRM system in place. The sale includes the complete client database, business name, website, domains and email address, and a warm handover from the vendor is offered. The vendor is leaving mortgage broking to follow a different career path. The broker reports below-average clawback rates, no compliance issues, a multicultural client base, and opportunities for refinancing, repeat lending and further growth. The broker reports an established brand, flexible hours, a future pipeline of work and a high percentage of organically driven sales.
Financing calculator
An estimate, not a loan offer. Change the numbers to see what buying this business would take in cash and what the repayments would be each month.
Asking price$380,000
Paid by
Your cash$114,000
Secured loan, 7 years at 6.98%$266,000
Each month
Loan repayment$4,010
Repayments each month
$4,010
Over 7 years you repay $337,012, of which $71,012 is interest.
Secured on property: the RBA's average for small business new loans secured on residential property, August 2026. Lenders set their own rates and terms, and this leaves out stamp duty and fees. Source: Reserve Bank of Australia 2026.
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