Should You Go Commission-Only? A Self-Assessment Guide

Apr 25

Choosing to work in a commission-only role is a bold move—but it’s not for everyone. It requires the right mindset, the right environment, and a clear understanding of how the rewards align with your personality and goals.

At Commission Careers, we work with Mortgage Lab and Maurice Trapp Group to help people succeed in commission-only roles as mortgage and insurance advisers. If you're considering this path, this guide will help you assess your fit—honestly and clearly.

✅ Self-Assessment: Is Commission-Only Right for You?

Ask yourself the following questions. Count how many times you answer “Yes.”

1. Are you self-motivated, even when no one is watching?

2. Do you prefer flexible hours over fixed routines?

3. Can you handle uncertainty in exchange for long-term rewards?

4. Are you comfortable with sales, relationship-building, or networking?

5. Do you see earning potential as more important than job security?

6. Are you willing to go through a slower ramp-up period to build your income?

7. Do you enjoy setting your own goals and working toward them independently?

8. Would you rather own your income potential than have it capped by a salary?

Your Score:

7–8 Yes: You’re highly suited to a commission-only role.
4–6 Yes: You have potential, but may need support during the transition.
0–3 Yes: Consider a hybrid model or gain more experience first.

⚖️ Pros and Cons of Commission-Only Roles

Let’s break down the real advantages and challenges of this path.

✅ Pros

Unlimited earning potential: Your income reflects your effort and strategy.
Flexibility: Set your own hours, work around family or lifestyle.
Ownership: Build a client base that becomes a long-term asset.
Growth mindset: Constant learning and personal development.

❌ Cons

No guaranteed income: Especially in the early months.
You’re your own motivator: No one’s chasing you to hit targets.
Initial ramp-up can be tough: It takes time to build momentum.
Inconsistent income flow: Some months may be better than others.

🧭 Who Thrives in Commission-Only Roles?

Entrepreneurs in disguise: You love building something from scratch.
People seeking lifestyle freedom: You want to work when, where, and how you like.
Career changers with hustle: You’re ready for a challenge and a fresh start.
Experienced professionals: You’ve already built a network and trust your ability to deliver results.

💼 Take the Next Step with Confidence

If this guide sparked a “yes, this could be me” feeling, you’re in the right place. At Commission Careers, we help people like you find commission-only opportunities with the training, support, and structure needed to succeed.

Rupert Gough