Back to Articles
Career Change•5 min read•April 25

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

Choosing to work in a commission-only role is a bold move—but it's not for everyone. Take our self-assessment to find out if it's right for you.

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?

Answer the following questions honestly to discover your fit for commission-based work.

0 of 8 answered0 Yes responses
Question 1

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

Question 2

Do you prefer flexible hours over fixed routines?

Question 3

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

Question 4

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

Question 5

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

Question 6

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

Question 7

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

Question 8

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

⚖️ 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.

    • For a deeper look at the specific traits that predict success, read our guide on Top Traits of Successful Commission-Only Advisers. If you're currently in a salaried role and considering the switch, our 12-Month Transition Blueprint provides a practical roadmap.

    💼 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.

    Get in touch with us to explore your options.

    Ready to Take the Next Step?

    Connect with us to explore commission-based career opportunities with leading organizations in New Zealand.

    Get in Touch

    More Articles

    Mortgage•6 min read

    From Newbie to Top Earner: Mortgage Adviser Career Pathways

    Starting as a mortgage adviser might seem daunting, but the career path can lead to financial independence and flexibility. Here's your roadmap.

    Insurance•7 min read

    How Insurance Advisers Build Passive Income

    One of the most underappreciated sources of recurring income is working as an insurance adviser. Learn how renewals create long-term wealth.