On Monday, ANZ told brokers and aggregation groups that from February 1, 2011, the total commission they can earn in the first year, including bonus payments, has been reduced from 0.7 per cent to 0.675 per cent.There are other tweaks to broker remuneration, including a volume incentive of 0.075 per cent, which, ANZ says, will deliver incentives to high-achieving brokers who deliver high value and low loan-to-valuation ratio loans to ANZ.The changes follow Westpac's changes to its broker remuneration model, which are also designed to encourage quality.From November 1, there has been a 100 per cent claw-back on exits from Westpac/St George loans before 12 months. There is a 50 per cent claw-back on up-front commission payments for exit before 24 months and bonus commissions paid for loans that last more than four and five years.Phil Naylor, chief executive of the Mortgage and Finance Association of Australia, said brokers fear what may come in the future as lenders deal with the exit fee ban"If a feeling develops in the market that you can switch willy-nilly then lenders are going to try and slow that switching down, and they use claw-backs as part of their efforts to do that."We are opposed to the ban on exit fees because it provides for points of difference in the market. Non-bank lenders are charging about 80 basis points less than the major banks, and deferred establishment fees are used to ensure that the borrower stays with them," said Naylor.Naylor said brokers needed competition and lots of lenders in the market."The growth in claw-backs has occurred as a result of a lack of competition in the last few years."Dean Rushton, chief executive of Loan Market, said many lenders are already changing their up-front commission structures."A number of lenders have already increased trails stepping up from year three," said Rushton."Claw-backs are out to two years and beyond, and the percentages are changing - most are stepping down in the last few months of the early period. "My view about the ANZ changes is that they are going for a distinct target segment of customers going forward."There are no changes to the ongoing trail and the claw-back provisions but they are changing the up-fronts to encourage high value loans and customers."