Mortgage agent commission splits: the more you produce, the more you keep.
Transparent published splits. Up to 100% available. Volume Bonus locks your tier in for the year. Monthly fee disappears at Legend tier. Two profit-sharing plans that pay you beyond your own deals.
Do mortgage agents get a salary?
No. Mortgage agents are paid by commission only, with no base salary. You get paid when a mortgage you arranged funds.
What commission split does Mortgage Squad pay?
60% to 100%, based on how much you fund in a year. New agents start at 60% on the training tier. Experienced agents start at 80%. Agents who fund $50M+ keep 100%.
Published. Transparent. Nothing buried.
Read it before you talk to us. The split listed here is the split in the contract.
One flat fee. $150/month.
Includes platform access, AI tools, training, and compliance support.
No desk fees. No tech add-ons. No hidden charges.
During your training tier: fee waived entirely.
What else do I get besides my split?
Volume Bonus · tier locks in
Fund $10M in a calendar year and your split tier locks in for the next full year. Maintain $2.5M per quarter to keep it (otherwise the split may be adjusted down with written notice). Tier upgrades are assessed on the same annual cycle.
Course paid back · 12 mo + $10M
Your licensing course is paid back once you've been a licensed Mortgage Squad Advisors agent for 12 months and funded $10 million in that time. Course fees are set by the FSRA-approved provider you choose.
Platform included on every tier
Mortgage360, Maya, Harvey, subdomain, Mortgage Squad Advisors Academy — all included on every split. The platform isn’t a paid add-on; it’s how we run the brokerage.
Prior production counts
Experienced agents start at 80% from day one, and prior production counts toward your starting tier when you bring evidence of it. You don’t restart at the bottom for having moved.
Build a team. Share the upside.
Most brokerages keep 100% of the upside when you help them grow. We don’t — we run two profit-sharing plans so you can earn well beyond your own commissions.
The Growth Plan rewards you for building a team — bring experienced agents to Mortgage Squad and share in the brokerage’s success as they produce, at no cost to them. The Performance Plan (our Net Profit Participation Plan) lets you share in the brokerage’s profit as your own production grows. This is exactly the kind of upside most brokerages keep for themselves — and we share it.
Commission questions, plain answers.
Splits, tiers, fees, bonuses and pay days.
Are these splits real or marketing?+
Real. Published. We've never asked a candidate to sign an NDA to see our commission table. The splits on this page are the splits in the contract. The Volume Bonus (fund $10M in a calendar year and your split tier locks in for the next full year) and profit-sharing (two plans — the Growth Plan for building a team and the Performance Plan tied to your production) are layered on top of the base split.
How fast can I move up tiers?+
Your split is set by your annual funded volume against the published thresholds, and once you reach a tier it locks in for the year. Experienced agents start at 80% from day one, and prior production counts toward your starting tier when you bring evidence of it.
What is the monthly fee?+
$150 per month, which covers your platform access, AI tools (Maya, Harvey, RatePulse), compliance support, and participation in all training sessions. During your training tier, this fee is waived entirely.
Is there a contract or term commitment?+
No. There is no term agreement. You can leave at any time with 2 months’ written notice. There is no financial penalty, clawback, or exit fee.
How does the Volume Bonus work?+
Fund $10M in a calendar year and your split tier locks in for the next full year. Maintain $2.5M per quarter to keep it (otherwise the split may be adjusted down with written notice). Tier upgrades are assessed on the same annual cycle.
How is commission accounting handled?+
Every funded deal flows into your commission ledger in real time. QuickBooks-synced for tax. Direct deposit twice monthly (15th + last day). T4A issued in January with year-end summary. You see your accruing balance, paid total, and pending in the agent portal at all times.
What about profit-sharing?+
We run two profit-sharing plans — and unlike most brokerages, we actually share the upside. The Growth Plan rewards you for building a team: bring experienced agents to Mortgage Squad and share in the brokerage’s success as they produce, at no cost to them. The Performance Plan (our Net Profit Participation Plan) lets you share in the brokerage’s profit as your own production grows. Together they let you earn well beyond your own deals. Ask the office for full details — we’re happy to walk through both before you join.
Course reimbursement — what does that actually cover?+
Your licensing course is paid back once you've been a licensed Mortgage Squad Advisors agent for 12 months and funded $10 million in that time. Course fees are set by the FSRA-approved provider you choose, not by us. Ask the office about any other course before you enrol.
Can I see the full contract before signing?+
Yes — sent on application, reviewed before signing. Standard MBLAA-compliant agent agreement. We’re happy to walk through any clause. Nothing is buried.
Want to see your projected take-home?
Apply confidentially. We'll model your prior 12 months at Mortgage Squad Advisors tiers + volume bonuses so you can compare apples-to-apples.