Remote Mortgage Broking Back-Office & Loan Processing.

MCR Associates provides dedicated remote loan processors and parabrokers operating directly inside your Australian aggregator CRM (Connective Mercury, LMG MyCRM, AFG Flex, Salestrekker) and NextGen ApplyOnline. We manage the administrative workload—from fact find data entry and living expense verification to lender packaging, condition chasing, and settlement tracking—freeing brokers to write more volume.

• ✓ Zero CRM or document migration: Staff log directly into your client-managed Australian software under restricted role permissions.
• ✓ Lender packaging expertise: Thorough living expense analysis (HEM vs. actuals via CashDeck/bank statements) and serviceability calculations.
• ✓ Dedicated or shared capacity: Full-time dedicated loan processors (160h/mo) or flexible shared support (40h/mo) with 50% hours rollover.
• ✓ Two-tier quality assurance: Every file package is verified by a Senior Loan Lead prior to broker final review and lodgment.

No. MCR Associates operates strictly as a remote administrative and operational capacity engine under Australian Privacy Principle 8 (APP 8). We do not hold an Australian Credit Licence (ACL), nor do we act as a Credit Representative (CR). We never provide credit assistance, suggest credit contracts, or interact directly with retail borrowers regarding credit recommendations.

• ✓ Strict negative boundary: MCR does not provide credit assistance under s8 or s115 of the National Consumer Credit Protection Act 2009 (Cth).
• ✓ Statutory sign-off authority: The licensed Australian broker or Credit Representative retains 100% supervisory oversight, client ownership, and sign-off authority.
• ✓ Best Interests Duty (BID) alignment: All workpapers, serviceability notes, and lender product comparisons are structured to support the broker's BID compliance defense.

Our loan processors are experienced in major Australian aggregator platforms including Connective Mercury / Mercury Nexus, LMG MyCRM, AFG Flex / BrokerEngine, Mortgage Choice, Finsure, Salestrekker, and Podium, alongside NextGen ApplyOnline, Loanapp, Quickli, and CashDeck.

• ✓ NextGen ApplyOnline: High-volume application data entry, document indexing, and validation error resolution.
• ✓ Aggregator CRMs: Pipeline stage tracking, client notes, compliance document uploads, and commission reconciliation.
• ✓ Serviceability modeling: Calculating borrowing capacity across Big 4 and specialist non-bank lender calculators.

Standard residential loan file packaging (data entry into ApplyOnline, 90-day bank statement expense extraction, and compliance document indexing) is delivered within 24 business hours. Urgent task requests and post-lodgment assessor query follow-ups operate on a 2–4 hour turnaround SLA.

• ✓ Standard file packaging: 24-hour turnaround SLA from receipt of completed client documentation.
• ✓ Lender query triage: 2–4 hour response time for credit assessor requests (MIRs) and valuation follow-ups.
• ✓ 4.5+ hours live AEST overlap: Real-time coordination and query resolution during Australian business hours.

MCR Associates publishes transparent, unbundled commercial pricing. Shared Broker Support is A$450/month (40 hrs/mo), a Dedicated Full-Time Loan Processor is A$700–A$1,100/month (160 hrs/mo), and a 10-Day Paid Pilot Sprint is A$125.00 for 1 live residential loan file.

• ✓ Shared Support: A$450/mo (40 productive hours, ~A$11.25/hr effective rate, 50% unused hours rollover).
• ✓ Dedicated Processor: A$700–A$1,100/mo (160 productive hours, 40 hrs/wk, dedicated Slack/Teams communication).
• ✓ Zero recruitment overhead: No recruitment fees, no payroll tax, and flexible month-to-month rolling agreements.

All operational work is executed under strict Zero Local Storage protocols and Australian Privacy Principle 8 (APP 8) compliance. Processors work directly within your cloud-hosted CRM, secure document drop portals, or encrypted remote desktop sessions. No borrower bank statements, PAYG slips, or identity documents are ever downloaded to local workstations.

• ✓ Zero Local Storage: Work is executed live within your aggregator CRM or ApplyOnline; local USBs, printing, and downloads are disabled.
• ✓ Multi-Factor Authentication (MFA): Enforced across all endpoint credentials and remote connections.
• ✓ Bilateral NDA protection: Comprehensive non-disclosure, client ownership, and non-solicitation covenants legally protect your brokerage.

An engagement begins by defining the work scope, the client-controlled software environment, access requirements, turnaround expectations and review process. A paid pilot can be used before moving to recurring capacity.

• ✓ The scope is matched to the relevant MCR Associates service desk and its published commercial model.
• ✓ The client provides or approves the operating procedures, templates and escalation path for the work.
• ✓ The client retains control over the pace and scale of the engagement.

No. MCR Associates is designed to work in the client’s existing approved software, cloud environment or virtual desktop workflow. The exact tools supported depend on the service being engaged.

• ✓ The client controls user access, permissions and multi-factor authentication.
• ✓ Work is completed within the client’s approved templates and operating process.
• ✓ The client retains ownership of its software licences, records and administrative settings.

MCR Associates’s operating model is based on client-controlled cloud software or virtual desktop access and a Zero Local Storage policy. Specific access controls are agreed with the client as part of onboarding.

• ✓ The client determines the access level required for the assigned work.
• ✓ MFA, restricted permissions and client-approved environments can be used where available.
• ✓ Confidentiality and data-handling requirements are established before operational work begins.

The client retains responsibility for final review, approvals and any regulated or client-facing decisions. MCR Associates provides operational preparation and support within the agreed scope.

• ✓ The relevant Australian licensed, registered or authorised client representative retains statutory responsibility where applicable.
• ✓ Review checkpoints and escalation paths are agreed for the client’s workflow.
• ✓ MCR Associates does not replace the client’s required principal, practitioner or decision-maker.