Mortgage Online Advice Tool (MOAT)

Mortgage Offline Advice Process

• Offline tool is a straightforward process where you can do two things:

  • Upload New - Upload the documents saved from your local drive

  • Link Document - You can link documents uploaded already in the 'Documents' tab

• Advice Stages: 

  • • Enquiry - Date that Enquiry from the Client is received

    • Needs Analysis - Date that the Fact Find or Statement of Position was completed with the client.

    • Application Submitted - Date that the Loan Application was submitted to the Lender

    • Loan Offer - 

    • Mortgage Settled - Date that the Mortgage is settled / the loan is drawndown

• Advice Documents: 

  • • PIA & Declaration - Personal Information Authority & Declaration Form

    • Scope of Service - Scope of Service Document

    • Client SOP / CNA - Client Statement of Position or Client Needs Analysis

    • Bank Submission - Loan Application submitted to the Lender

    • Letter of Offer - Letter of Offer from the Lender

    • Signed Loan Structure - Signed Loan Structure Document that was submitted to the Lender

    • Settlement Statement - Confirmation from the Lender that the Settlement was successful.

• End Process Questions:

  • Incomplete

    • Why was the advice process stopped? 

    • Details

    • Have all the required documents been completed and uploaded?

      • If no, add details

    • Contact in the future for another review?

      • If yes, confirm the date

      • If no, why?

  • Complete

    • Was the full advice process completed?

      • If no, add details

    • There are Advice documents missing. Please upload missing documents or provide details as to why

      • Details

    • Any other details to note?

Mortgage Refix Advice Process

• Advice Stages: 

  • • Refix Requested  - Date that the Client requests a Refix and/or agrees to get rates

    • Pricing Requested - Date that the rates are requested from the Lender

    • Refix Complete - Date that the Lender confirms the changes and/or Refix has been processed

• Advice Documents: 

  • • Client Authority -  Personal Information Authority & Declaration Form

    • Signed Loan Maintenance - Signed Loan Maintenance Document that was submitted to the Lender

• End Process Questions:

  • Incomplete

    • Why was the advice process stopped? 

    • Details

    • Contact in the future for another review?

      • If yes, confirm the date

      • If no, why?

  • Complete

    • Was the full advice process completed?

      • If no, add details

    • There are Advice documents missing. Please upload missing documents or provide details as to why

      • Details

    • Any other details to note?

Introduction & Disclosure

**Note: 

• The Introduction can be changed or personalised on a per business basis

• The Disclosure can be changed or personalised on a per user basis

• The Email Client pop up under Disclosure can be changed or personalised on a per user basis

Scope of Service