Offshore Mortgage Broking Support: Scale Loans, Not Costs

What a Mortgage Broking Hire Can Do For Your Business

A Philippines-based mortgage broking hire found through Tarino can take on the tasks below. Use this as a guide when scoping the role before your call. Our offshore loan processor role page covers the role, software and screening in more detail.

Task	What this looks like in practice
Email & inbox management	Organising, responding to and actioning client and lender emails. Filing to CRM folders for compliance tracking.
Calendar & appointment setting	Managing the broker’s calendar. Booking client consultations, scheduling lender meetings, sending reminders.
CRM management	Maintaining accurate client records in platforms like MyCRM, Salesforce or HubSpot. Logging all interactions and follow-up tasks.
File & document management	Organising electronic files across Google Drive, OneDrive or SharePoint using consistent naming and folder structure.
Data entry	Entering client and loan data accurately across systems. Meeting turnaround expectations.
Meeting minutes	Recording and distributing clear meeting notes with action items after client or internal meetings.
Process documentation	Writing and maintaining SOPs, process guides and training materials as workflows change.

Task	What this looks like in practice
Client fact-find & information gathering	Identifying the information needed for the loan application. Following up with clients to close gaps in residential history, income and ID.
Document collection & verification	Identifying the supporting documents needed for the client’s circumstances (PAYG or self-hired, purchase or refinance). Checking validity and currency.
Serviceability calculations	Running generic and lender-specific serviceability calculators. Calculating PAYG, overtime, bonus and self-hired income accurately under each lender’s policy.
Product research & comparison reports	Generating product comparison reports based on client preferences. Lodging pricing and cashback requests with lenders.
Policy research & credit scenarios	Researching lender credit policy via policy documents, the aggregator CRM and tools like Brokerpedia. Running scenarios with BDMs and credit hotlines.
Application packaging & pre-fill	Pre-filling AOL and lender application forms. Ordering upfront valuations. Confirming all documents are present before the broker submits.
Compliance & NCCP documents	Generating the Credit Proposal Disclosure, Needs Analysis and Preliminary Assessment documents. Updating them to reflect the broker’s instructions.
Submission notes	Drafting clear submission notes covering product suitability, best interests duty considerations, income calculations and living expense commentary, for the broker to review.
Loan lodgement	Submitting applications via ApplyOnline once the broker approves. Uploading supporting documents and broker notes to both the CRM and AOL.
Valuation orders	Requesting and monitoring property valuations. Responding promptly to lender follow-up requests.
Loan tracking through to settlement	Monitoring application progress at each stage. Handling routine requests and escalating complex issues to the broker.
Post-settlement follow-up	Managing post-settlement client onboarding, banking product setup, fixed rate and interest-only expiry follow-ups, and loan review communications.

Task	What this looks like in practice
Credit report retrieval & review	Obtaining credit reports from the relevant bureaus. Reviewing them for discrepancies and preparing summaries for broker review.
Financial statement analysis	Reviewing client income, assets and liabilities. Comparing them against lender benchmarks.
Borrower credit assessment	Checking the borrower’s position against lender criteria. Identifying potential issues or red flags for the broker before submission.
Risk analysis documentation	Preparing credit analysis summaries and risk notes to support the broker’s decisions and lender submissions.
Compliance file preparation	Compiling credit files for compliance audits. Checking documentation against regulatory and lender requirements before the broker signs off.
Lender communication	Coordinating with lenders for additional information or clarification. Following up on outstanding queries.
Market research	Researching lending trends, interest rates and lender product changes to keep the broker informed.

Loan processing is one of the most valuable offshore roles in Australian financial services. The work is structured, sequenced and software-driven, and the Philippines has many professionals with real experience in Australian mortgage workflows, aggregator platforms and lender requirements. For broking businesses where the broker still touches every application, an offshore loan processor is often the single hire that does the most for growth. It’s not about cutting costs. It’s about letting your broker do what only a broker can do.

What stays with the broker

Credit assistance is a licensed activity. Your hire prepares, packages and chases; the broker meets the client, decides what to recommend, meets the best interests duty and signs off before anything is lodged. Your credit licensee’s or aggregator’s rules on supervision, file review and data access still apply, so check them before you set up system access. Tarino shares general guidance only and doesn’t give legal or compliance advice.

How we screen for broking roles

We typically start with 1,000+ candidates per role and screen them in stages: CV and quality screening (40% remain), video screening (20%), a practical assessment (10%), a structured interview (5%) and finalist review (2%). For broking roles we look for aggregator platform experience, such as MyCRM and ApplyOnline, and a track record in Australian loan processing. You get a shortlist of 3–4 finalists in about 2 weeks.

What it costs

You hire and pay them directly, so there’s no monthly agency margin. Compare a local processor, an agency and a direct offshore hire in the offshore hiring cost calculator, and read how other broking businesses build their teams on our mortgage brokers industry page.

Tarino’s fee is one-time: $250 upfront to start the search plus $4,750 when you hire, $5,000 excl. GST in total, with the $250 credited back when you hire. There are no ongoing markups. More than 95% of our placements are still in the role at 6 months, and 6-month replacement cover applies for the same role, on the conditions in the Scope of Work and terms.

If your broker is still packaging loans, chasing documents or managing lender follow-up, it’s worth a conversation. Book a 30-minute call and we’ll help you scope the role and find the right person.