Predictable Pricing for Australian Mortgage Brokerages.

A full-time, 100% dedicated loan processor providing 160 productive hours per month (40 hours/week) aligned to Australian business hours. Your dedicated processor works directly inside your aggregator CRM (Mercury, MyCRM, Flex, Salestrekker) and NextGen ApplyOnline, handling client onboarding, document chasing, living expense extraction, serviceability scenarios, packaging, and pipeline tracking through to settlement.

• ✓ 160 productive hours per month working exclusively for your brokerage.
• ✓ Direct daily integration via Slack, Microsoft Teams, or practice email.
• ✓ Independent Two-Tier QA verification by a Senior Loan Lead on every packaged file.
• ✓ 50% monthly hours rollover policy and flexible month-to-month terms.

Shared support provides 40 productive hours per month (equivalent to ~10 hours/week at ~A$11.25/hr effective rate). It is designed for solo brokers or boutique practices needing flexible back-office capacity for file packaging overflow, living expense checks, and trail commission reconciliations without hiring a full-time employee.

• ✓ 40 hours/month capacity with priority turnaround during peak lodgment periods.
• ✓ 50% rollover: Up to 20 unused hours automatically carry forward into the following month.
• ✓ Standard 24-hour SLA on loan packaging and 2–4 hour SLA on urgent assessor condition requests.

The 10-day paid pilot is a fixed-fee trial (A$125.00 flat) allowing your brokerage to evaluate our turnaround speed, file accuracy, and software integration on 1 live residential loan application. We extract living expenses, run serviceability in Quickli, complete data entry in ApplyOnline, and assemble the compliance dossier ready for broker sign-off.

• ✓ 100% live trial on a real client file inside your own software.
• ✓ Includes complete Two-Tier QA audit by our Senior Loan Lead.
• ✓ Zero obligation: Test our capability with no lock-in contract or commitment to proceed.

All recurring monthly retainer plans (Shared and Dedicated) include our 50% hours rollover protection. Up to 50% of your unused monthly hours automatically roll over into the immediately following calendar month.

• ✓ Automatic rollover: Up to 50% of unused hours carry over into the next month.
• ✓ Protects against monthly lodgment seasonality and quiet settlement periods.
• ✓ Detailed, transparent time tracking logs provided with every monthly statement.

None. All pricing is 100% transparent and all-inclusive. There are zero onboarding fees, zero recruitment placement fees, and zero remote connectivity surcharges. Your firm only pays the published monthly retainer rate.

• ✓ No recruitment fees or placement commissions.
• ✓ No hardware or IT setup charges.
• ✓ Flexible month-to-month agreements with 14 days' notice.

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.

Yes. A defined pilot or tightly scoped initial workflow can be used to evaluate operational fit, communication, quality review and turnaround before a broader capacity arrangement is considered.

• ✓ The initial scope should identify the work type, required access and completion criteria.
• ✓ The appropriate service desk and commercial model are selected according to the work required.
• ✓ A successful pilot can be expanded only when the client is comfortable doing so.