FAQs

During the onboarding process, under the upload field, there is an option “Will provide later.” You can check this option and proceed without uploading the document. We will contact you if anything needs to be updated.

You can send documents by logging into https://brokers.oxcel.com.au/sign-in. You can also email us at [email protected], but using the portal is preferred.

Yes. Please send all documents in PDF format whenever possible. PDF ensures the content stays clear, consistent, and secure across all devices. If editable files are required, we will request them specifically.

You can refer to this link for the full list of required documents: https://brokers.oxcel.com.au/onboarding-docs 

Typically, onboarding is completed within 2-5 business days, depending on document submission and verification.

Yes. After onboarding, you will receive comprehensive training and resources, including lender meetings, asset and mortgage training, business development training, compliance training, CRM training, and many other resources to support your success.

You can contact our dedicated onboarding officer via email: [email protected]

Yes. Our brokers have the flexibility to write both mortgage and asset finance. You can choose to specialise in one area or offer both, depending on your business needs and client base. We provide the support and tools needed for whichever path you prefer.

Payments to brokers are made according to the terms in the broker agreement, typically via direct deposit, following settlement of client loans.

Yes. Pricing and commission rates may be updated from time to time. Any changes are communicated to brokers in advance.

Yes. You can move from asset finance to mortgage, or offer both, whenever you're ready. Just let us know your preference, and we’ll update your setup accordingly.

No. All fees are disclosed upfront. There are no hidden or undisclosed charges.

For detailed information on commission rates and any associated fees, please visit our Pricing & Commission page here: https://brokers.oxcel.com.au/pricing-commission

Yes. We conduct regular mortgage and finance training programs and provide ongoing mentoring and professional development. These programs are designed to help brokers build their skills, stay compliant, and grow their mortgage broking business.

To join oxcel as an asset finance broker, you complete an application form, meet eligibility and entry criteria, undergo an assessment, then get onboarded under the licence. You will need to supply documentation as per their onboarding requirements, including qualification, compliance/indemnity, and identity documents. Please refer to this link: https://brokers.oxcel.com.au/onboarding-docs 

Yes. We maintain a wide network of lenders, ranging from major banks to niche and alternative lenders, covering a broad set of asset finance, personal, business, and consumer finance products.

Yes. We provide training, professional development, and ongoing mentorship for brokers working in asset finance, including for those new to the sector. 

At oxcel, we work with a wide panel of lenders who each have their own credit assessment criteria. While we provide guidance and support to help brokers submit applications, approval for clients with low or non-traditional credit profiles depends on the individual lender’s requirements. Our team can help identify lenders that may be suitable for these clients and assist in preparing applications to improve their chances of approval.   

You can support clients with a wide variety of asset finance loans. Oxcel’s lender panel includes asset finance, business asset loans, consumer asset finance (e.g. car, boat, truck, caravan, equipment), and other asset‑based lending.

The mentoring program provides guidance, support, and professional development for brokers, helping them improve their skills, grow their business, and navigate the finance and mortgage industry successfully.

All brokers affiliated with oxcel, whether new or experienced, can participate in the mentoring program. It is designed to support brokers at all levels of experience. 

There will be no additional costs for participating in the mentoring program, as it is included as part of the broker support services.

We provide compliance guidance, templates, and support throughout the submission process to ensure all broker applications meet regulatory and lender requirements.

All brokers, mortgage and finance professionals, and credit representatives who provide credit assistance to clients in Australia must comply with the National Consumer Credit Protection (NCCP) regulations.

Key NCCP requirements include acting honestly, ensuring loans are suitable for the client, conducting proper assessments of the client’s financial situation, maintaining proper records, and providing clear disclosure and documentation. 

Non-compliance can result in penalties including fines, legal action, suspension of licensing, and potential reputational damage.

Yes. Oxcel provides administrative, operational, and compliance support to help brokers maintain adherence to NCCP regulations and other industry requirements. 

Brokers should regularly review their compliance procedures, ideally at least annually or whenever regulations change. However, we do offer updates, guidance, and training to help brokers stay informed about ASIC and NCCP changes. 

Yes. To help you get started, we provide a digital business card, a professionally designed physical business card (design only), and an oxcel email (for brokers using the oxcel brand). These essentials ensure you begin with a strong and credible professional presence.

We provide training, ongoing mentorship, compliance guidance, and access to tools that help strengthen and streamline your applications.

Our team aims to respond promptly, and we make every effort to get back to you as quickly as possible.

Yes. We support brokers with lender selection by giving access to a wide panel of lenders and guidance to help you match clients with suitable options.

Yes. We provide guidance and support to help you meet compliance requirements, including file reviews and reminders on key obligations. However, maintaining full compliance ultimately remains the broker’s responsibility. Our role is to assist you in staying aligned with industry standards.

Yes, support is available for both private sales and dealer purchases.

Yes, low-doc options are available for eligible business clients through selected lenders.

Lender meetings are held regularly, and most sessions are available remotely for convenience.

No. We welcome brokers at all experience levels and provide full training, support and tools to help you succeed from day one.

Yes. oxcel offers a full-featured CRM designed to help you efficiently manage leads, clients, and applications. For mortgage brokers, we provide Infynity, and for asset brokers, Horizon 2.0. Additionally, our oxcel Dashboard gives you a clear overview of your deals and other activities, making it easier to track and manage your business.

We don’t provide regular office desks. However, you’ll have access to the boardroom for meetings with your clients or contacts. Office desks operate on a hot desk policy. If you’d like to use a desk, just notify us 24 hours in advance.

Oxcel AI is designed to assist you with home loans, asset finance, business loans, and more. You can ask it about:

• Loan options and eligibility

• Broker support and onboarding

• Compliance or accreditation

• Commissions

• Lenders' BDM contacts

• oxcel team contacts

• General finance FAQs

Oxcel AI is continuously learning and improving, so it gets better every day.