Loan Reviews, Repricing & Client Retention.

We audit your CRM loan book to track clients approaching their fixed-rate expiry dates (90, 60, and 30 days in advance) or interest-only rollover dates. We draft client check-in emails, submit pricing concession requests directly through lender broker portals, and prepare refinance comparison summaries when the current lender refuses to reprice.

• ✓ Automated tracking of upcoming fixed-rate and interest-only cliff dates.
• ✓ Direct submission of bank repricing requests across major and non-bank lenders.
• ✓ Preparing discharge authority paperwork and refinance eligibility pre-checks.

Our team regularly submits pricing requests across CommBroker Pricing, NAB Pricing Request System, Westpac Broker Pricing, ANZ Transact/Pricing, and Macquarie pricing desks.

• ✓ Entering current loan balance, LVR, and competitor interest rate benchmarks.
• ✓ Tracking pricing concession outcomes and updating CRM interest rate fields.
• ✓ Drafting client confirmation emails with updated repayment figures.

When an outgoing discharge notice is received, our team alerts the broker immediately, checks for clawback vulnerability based on the original settlement date, attempts a rapid emergency pricing retention request with the lender, and prepares the discharge paperwork if the client insists on refinancing.

• ✓ Clawback period audit (identifying files settled within 12–24 months).
• ✓ Immediate rate escalation to bank retention desks to preserve the loan.
• ✓ Accurate discharge authority compilation avoiding lender settlement delays.

No. MCR Associates compiles rate comparisons, checks current loan balances, and prepares review spreadsheets. All credit recommendations, rate advice, and product suitability decisions remain 100% with the licensed Australian mortgage broker.

• ✓ Strict compliance with NCCP Act non-advisory boundaries.
• ✓ Clerical collation of lender rate cards and market discount benchmarks.
• ✓ Review packs delivered directly to the broker for client consultation.

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.

MCR Associates operates as a B2B back-office support partner. Client-facing communication, regulated advice, decisions and relationship ownership remain with the client business unless a separate, approved scope explicitly provides otherwise.

• ✓ Work is performed according to the client’s operational boundaries and approved procedures.
• ✓ The client nominates the appropriate supervisor or escalation contact.
• ✓ Confidentiality and non-solicitation commitments can be addressed within engagement terms.