Mortgage Re-finance Insights suite.
Our Mortgage Re-Finance Decisioning Insights Suite includes our full income module covering multiple credit sources and employment types, all of which can be configured to the specific needs of each lender we work with. Frequency and reliability insights of main and secondary income streams are also utilised to interrogate credit stability and regularity.
A range of pre-built conditional expense insights are also included covering behavioural based indicators across fixed and variable debit groups and key responsible lending areas.
Our Re-Finance configuration enables any combination of data sets from multiple applicants, multiple institutions and multiple accounts to be combined seamlessly into a single set of decisioning insights for quicker and more efficient processing outcomes. This includes joint accounts and related transfer activities.
A sample of some of the pre built, out of the box Insights in our Mortgage Re-finance Analytics Suite are outlined below
Sample Income Insights
Multiple verified income sources with full trend and pattern analysis
Dynamic Credits – Frequencies and Ratios.
Single consolidated view of multiple applicants, banks, accounts and product data sets
Non regular income analysis
Fully configurable conditional mapping of all income streams
Joint Account income identification and verification
Stability, frequency and reliability of all credit sources
Sample Expense Insights
Full expense analysis including related transfers and de-duplication
Undisclosed liabilities and other accounts
Responsible lending red flags with conditional filters
Time based Net Monthly Position / serviceability and affordability