Origination & servicing · Australian residential
Ubiquity One runs your whole book — first enquiry to final discharge — in one system, with every decision along the way on the record. Built for Australian residential lenders, and open to the mortgage managers and brokers who originate alongside them.
This loan returns — in interest on $750,000.00 advanced. Interest stops outweighing principal in —.
Your borrower will ask what an extra $500 a month does to that. Your funder will want the book modelled. Your hardship team will need it recalculated while the customer is still on the phone. Every one of those answers comes from the loan itself, not from a spreadsheet somebody maintains on the side.
The spine
Most lenders stitch origination to servicing across three vendors and a shared inbox. Every handover is where a file goes quiet. Ubiquity One is one system across the whole sequence, so a loan never leaves it.
Capture an enquiry and match it to anyone you already know.
Intake with co-borrowers, security, and purpose.
Collect and review. Minimums gate what follows.
Serviceability, NSR and DTI from what the borrower gave you.
Delegated authority, conditions, override with reason.
Offer pack generated, including the schedule above.
Orchestrated to the settlement date and disbursement.
Balances, repayment schedule, transactions.
Statements, payouts, variations, rate reviews.
Delinquency tracking and collections activity.
Applications, arrangements, statutory notices.
Payout, release, and the file closed properly.
Who sits in it
A residential book rarely has one party in it. Ubiquity One gives each of them a view of the same loan, sized to what they are actually entitled to see — and keeps that boundary itself, rather than trusting everyone to respect it.
Owns the book
Your credit policy, your limits, your funders. Originate directly, underwrite against your own rules, service every loan through to discharge, and see the entire portfolio in one place — including the loans a manager or a broker brought you.
One place to answer a funder, an auditor, or a borrower.
Manages the book
Run your own book, or manage one on a lender's behalf. Your products, your brand, your servicing team — while the lender sees precisely what the arrangement entitles them to and nothing beyond it.
Brings the loan
Submit to the lenders you are accredited with and follow every application through to settlement without chasing anyone by email. Your deals are yours. Nobody else's are visible to you.
Foundations
Lending platforms tend to fail in the same three places, and each one costs something you cannot buy back — a client's trust, a regulator's patience, or a number nobody can explain. We settled all three before writing a single screen.
Every lender, manager and broker on the platform sees their own loans, their own borrowers, their own documents. Nobody else's — not by policy or good intentions, but because the platform will not hand them over, however it is asked.
The handful of places an administrator can look across clients are written down, reviewed, and tested. Everything else is treated as a breach until proven otherwise.
Every assessment, approval, override, decline and variation is recorded as it happens — who decided, when, and on what information they had at the time. A complaint at AFCA or a review by ASIC becomes a search rather than a reconstruction.
Nothing can be edited or quietly removed afterwards. Not by your staff, and not by us.
Balances, repayments, payout quotes and statements match to the cent — from the offer a borrower signs to the discharge that closes the file thirty years later. No small drift compounding quietly in the background.
A payout figure you can send to a borrower without checking it by hand first.
Local by construction
Imported platforms model an American loan and leave the local reality to configuration. Ubiquity One models what actually governs an Australian residential mortgage.
Responsible lending, disclosure, and the purpose declaration as written.
Customer due diligence follows the person, not the application.
Consent and credit-reporting records held against the borrower.
Reporting structures anticipated from the start, not bolted on.
Settlement built around the way a PEXA workspace actually works.
Reference-rate and rate-review handling for variable books.
Insurance and loan-to-value carried on the security, first class.
Arrangements and statutory notices as part of the lifecycle.
Next step
Not a slide deck. A working walkthrough on your own scenario — intake, underwrite, approve, offer, settle, service, discharge — in about forty minutes.