Your files, prepared and ready to lodge.
We are the back office for Australian mortgage brokers. Send us the fact find and the supporting documents, and we prepare the application in your own CRM, so the file is sitting ready for you to check and submit.
The part of the file that takes the hour.
Everything between the client handing over their fact find and the application being ready for your review. The judgement stays with you.
Applicants and address history
Names, dates of birth, identification, marital status, dependants, and the full residential history with dates and living arrangements.
Employment and income
Current and previous employers, dates, base and variable income, and the supporting payslips and group certificates matched to each entry.
Assets and liabilities
Property, vehicles, savings, superannuation, cards, loans and leases, with balances, limits and repayments keyed against the statements.
Living expenses
The full expense grid completed against declared figures, with the categories your lender's servicing calculator expects.
Loan structure and security
Splits, terms, repayment type, offset and security details entered to your instructions, with the funding position reconciled.
Document collation
Supporting documents renamed, sorted and attached in the order your lender wants them, with the gaps listed so you know what to chase.
Compliance notes
Objectives, requirements, foreseeable changes and the rationale drafted from your file notes, ready for you to review and adopt as your own.
Lender packaging
The file assembled the way your chosen lender wants it, so it goes in clean the first time rather than coming back for more information.
Three steps, and two of them are ours.
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STEP 1
You send the file
The fact find and whatever supporting documents you have, however you already collect them. A short note on the structure you have in mind is enough.
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STEP 2
We prepare it
We work in your CRM under your access, enter the application, attach the documents and list anything missing.
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STEP 3
You review and lodge
You get the file back ready to check. You make the call on the lender, the structure and the advice, and you submit it.
What we do not do.
This matters more than the list above, so it is worth being plain about it.
We prepare, you advise. The recommendation, the preliminary assessment and the responsible lending obligations remain yours under your credit licence or authorisation. Nothing we produce is advice to your client.
No calls, no emails, no introductions. If a document is missing we tell you, and you decide how to chase it. Your client relationship stays entirely yours.
We hand the file back ready. You check it and you press submit, because you are the one certifying it.
The application lives in your CRM. We work in it, we do not copy it out, and we hold nothing after the file is handed back.
Where your clients' information goes.
Your compliance team will ask this before they ask anything else, so here it is up front.
Processing location and Australian Privacy Principle 8
Our processing team works from Serbia. That is outside Australia, so engaging us means you are disclosing your clients' personal information overseas, and APP 8 applies to you as the discloser. We would rather you heard that from us than found it out later.
What we put in writing before you send us a single file: the countries the work is performed in, the contractual terms we are bound by, what we may and may not access, how long anything is retained, and the consent wording you can put in your own privacy collection notice so your clients are told properly.
Every person on the file is under a signed confidentiality agreement, works under your CRM access rather than holding their own copy of the data, and is covered by our professional indemnity cover.
Per file, or per month.
No lock-in on either. Pick whichever suits your volume and change it whenever you want.
- Everything in the scope above
- Standard turnaround
- Pay only for the files you send
- Good for testing us on one deal
- 40 files included each month, about $112 each
- Priority turnaround
- A named processor who learns your preferences
- Suits steady volume
Send us one file and see.
The honest way to judge this is to give us a real deal and look at what comes back. Tell us roughly what you lodge in a month and we will tell you what it would cost.
30 N Gould St Ste R
Sheridan WY 82801
United States