The five mortgage moments\n\nMost people need a mortgage broker at one of five life moments. Listen for them.\n\n1. First home — friend talking about saving deposit, FOMO about prices, looking at properties on weekends.\n2. Upsizing — second kid on the way, current place feels small.\n3. Refinance — frustrated with their current bank, rate complaints, mortgage stress conversations.\n4. Investment — talking about super, tax, "should I buy a property?".\n5. Renovation — kitchen, extension, "we keep getting quotes".\n\n## How to make the warm intro\n\nDo not pitch. Do not send a link. Send a short personal intro message to both parties at once: "Sarah is great. She helped me with my refi last year. Sarah, meet Daniel — he and his partner are looking at their first place in Bondi."\n\nThat's it. Sarah takes it from there.\n\n## What pays\n\n- Upfront: 0.30% of loan amount, split 70/30 with your introducer.\n- Trail: 0.15% p.a. of remaining balance, paid annually.\n- Average referral value: $1,400 upfront + $700/year trail (on an $800k loan).\n\n## What you can say (compliantly)\n\n"I get a small referral fee from Sarah if you end up working with her — it doesn't cost you anything. I'm happy to introduce you either way." That's the disclosure. Done.