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How We Do What We Do

How We Do What We Do.

Securitisation is a well established method of accessing low-cost wholesale funding.

This is done by pooling groups of residential home loans together, and using them as security for investments bonds issued to institutional investors. These are known as Residential Mortgage Backed Securities (RMBS).

This process enables Mortgage Managers, like Mortgage Ezy since 2001 to access lower cost funding lines for residential home loans enabling us to  access funding lines previously only available to Banks and large Corporate firms; however, as a more nimble business with significantly lower costs, this translates directly to lower rates and enhanced solution features for our Clients.

Mortgage Ezy’s funding is powered by wholesale providers such as Credit Suisse, National Australia Bank, Westpac, Adelaide Bank, Resimac, Pepper, La Trobe, Sintex and BC Capital and in 2014, the company created the Mortgage Ezy Program incorporating a hybrid loan in partnership with Origin Mortgage Management Services Ltd to provide secure, low cost, fully featured funding for Housing only distributed through a Select Group of Intermediaries. Origin was previously 100% owned by the ANZ Bank and was purchased in September 2012 from a joint venture arrangement between its Australian Directors and one of Asia’s largest life assurance companies, Malaysian Assurance Alliance (MAAH).This strategic partnership combines over 50 years of experience in Australian financial markets with the global resources of a major financial institution.

Australian securitisation is used as an integral Funding method by Banks and Non Banks alike with issuances increasing from $2 billion p.a  in 1995 to $28 billion p.a  currently.  Securitisation has become a major part of capital markets around the world and Australian securitisation products have a strong reputation and performance in the global space.

Mortgage Ezy has 17 years of vital experience in this space with the on-going accolades to prove it. We have continued to deliver access to highly competitive loan products for our Business Partners since 2001 and are committed to continue to provide fully featured housing loans combined with an individualised service proposition delivered at the lowest cost possible.  Our belief is people want to be treated as individuals not just numbers and we provide real choice for Borrowers to vote with their feet.

Mortgage Manager Awards

Excellence Awards National Finalist

Best Non-Bank Finalist 2019

Mortgage EZY

Australian Mortgage Awards

Finalist 2018

Ranked First 2018

Third Party Lending Report Non-Bank Lenders

Ranked First 2017

Third Party Lending Report Non-Bank Lenders

Best Non-Bank Winner 2017

Australian Lending Awards

Best Non-Bank Winner 2016

Australian Lending Awards

MFAA State Winner 2016

Mortgage & Finnance Excellence Awards

MFAA Finalist 2016

Mortgage & Finnance Excellence Awards

Best Non-Bank Finalist 2015

Australian Lending Awards

The Adviser Finalist 2015

Best Broker Service Non-Bank Lending Awards

The Adviser Finalist 2015

Best SMSF Lender Non-Bank Lending Awards

The Adviser Finalist 2015

Best Turnaround Times Non-Bank Lending Awards

The Adviser Finalist 2015

Most Innovative Products Non-Bank Lending Awards

Excellence Awards 2012

Mortgage & Finnance Finalist

Best Non-Bank Lender

Australian Lending Awards Finalist 2013

AMA Finalist 2011

Australian Mortgage Awards

Top Ten Originator 2011

Excellence Awards 2011

Mortgage & Finnance Finalist

AMA Australian Mortgage Awards

Finalist 2010

Top Ten Originator 2010

AMA Finalist 2009

Australian Mortgage Awards

Top Ten Originator 2019

2011 Excellence Awards

Mortgage & Finnance Finalist

Money Winner 2008

2008 Best Of The Best

Awards Winner

2007 BRW Fast 100

My Business Awards

Finalist

Telstra Bussiness Awards 2007

Hudson Business Awards Finalist

Awards Winner

2006 BRW Fast 100

Telstra Bussiness Awards

Telstra Bussiness Awards

AMA Finalist 06

Australian Mortgage Awards

Winner 2006

Australian Service Excellence Awards

Awards Winner

2005 BRW Fast 100