Loan processing, compliance file preparation, client onboarding and paraplanning support, handled by a dedicated team member in the Philippines who works only for your practice, in your systems and your hours.
Offshored provides dedicated offshore loan processors, client onboarding staff, compliance file preparers and paraplanning support to Australian mortgage brokers and financial advisers from A$1,900 to A$3,400 a month, all inclusive. Each team member works full time for one practice only, inside that practice’s own systems, and is employed in the Philippines by Australian Pathways OPC.
Brokers and advisers lose their best hours to work that never touches a client: chasing payslips, keying applications, assembling compliance files, drafting advice documents. This page sets out the roles that work offshore, what stays with your licensed people, how client data is handled under the Privacy Act, what it costs, and a scenario for a typical firm. Prices are Offshored’s published 2026 bands; the cost guide shows what sits behind them.
These are the four roles Australian broking and advice practices fill offshore most often. Each is a full-time, dedicated person, not a shared pool, and each works to your checklists in your software.
Need diary, inbox and pipeline support as well? An executive assistant at A$2,100 to A$2,800 a month often sits alongside the loan processor in a growing brokerage.
Your offshore team member does not give credit assistance or personal financial advice, does not sign compliance documents and does not hold an authorisation under your Australian credit licence or AFS licence. They prepare, you decide. ASIC expects a licensee that outsources a function to keep responsibility for it and to supervise it (Regulatory Guide 205 for credit licensees, Regulatory Guide 104 for AFS licensees), which is exactly how a dedicated offshore role is set up: your procedures, your review, your sign-off.
Broking practices give their processor a login under the broker’s profile in the aggregator platform and lender portals, plus the tools around them: bank statement retrieval, electronic ID verification, servicing calculators, e-signature and the pricing request tools. Advice practices set their paraplanner up in Xplan, Midwinter or AdviserLogic with platform access to the wraps and investment platforms they use. Specialist software licences stay with your practice, so an extra seat for your team member is usually the only added cost. We document the handover in a shared procedure, and your account manager checks in through the first weeks.
Client files in broking and advice hold identity documents, income, liabilities, tax file numbers and sometimes health information, so the privacy questions come first on every call. Here is how the arrangement is structured.
The data security answer on our FAQ and our Terms of Service set out the same commitments in full.
| Role | Monthly fee, all inclusive |
|---|---|
| Offshore loan processor or client onboarding coordinator | A$1,900 to A$2,800 |
| Compliance file preparer | A$2,100 to A$2,800 |
| Paraplanning support | A$2,400 to A$3,400 |
One monthly fee covers recruitment, salary, 13th month pay, SSS, PhilHealth and Pag-IBIG contributions, HMO health cover, payroll, tax withholding and day to day HR, plus office space and equipment for office based staff. There are no placement, setup or exit fees, no lock-in contract, and you pay month to month with 30 days’ notice. The pricing page has every band; the 2026 cost guide compares an offshore hire with a Sydney salary once superannuation, payroll tax, leave and recruitment are counted.
Say a firm with three brokers settles around 25 loans a month. Each broker spends close to a day a week chasing documents, keying applications and answering “where is my loan up to?” calls, and the firm’s one onshore administrator is at capacity.
The firm hires one offshore loan processor through Offshored at about A$2,400 a month. Recruitment takes two weeks: a scoping call, a shortlist of screened candidates with broking or lending experience, two interviews, a Memorandum of Understanding. The processor works 8:00am to 4:30pm Sydney time, logs in to the aggregator CRM and ApplyOnline under the principal’s profile, and takes over document collection, application packaging and settlement tracking for all three brokers.
Within a month the brokers have their day a week back for client and referrer meetings, clients hear from the firm at every milestone, and the administrator runs the office again. If the firm grows, a second processor or a client onboarding coordinator is another two-week hire. This is an illustration of a typical setup, not a client case study.
Yes. Aggregator platforms and ApplyOnline provide assistant logins under the broker’s profile, and the processor works with the access you grant. The processor prepares and lodges; the broker remains the credit representative responsible for the credit assistance and signs the compliance documents.
Yes, when it is set up properly. Keep the data inside your own systems with access you control, state in your privacy policy that service staff in the Philippines may access personal information, contract confidentiality (Offshored’s employment contract with Australian Pathways OPC includes it) and add the arrangement to your outsourcing register. Under APP 8 your practice stays accountable, so have your compliance consultant confirm your own policy.
Yes, as a draft under the adviser’s instruction. The paraplanner models the strategy, researches products and writes the SOA or ROA to your templates, and the adviser reviews, amends and signs it. The paraplanner is not a relevant provider and never gives advice to clients.
Offshored’s bands are A$1,900 to A$2,800 a month for loan processors, client onboarding and compliance file preparation, and A$2,400 to A$3,400 a month for paraplanning support, all inclusive, with no placement or setup fees and no lock-in contract.
Your hours. Manila is two hours behind Sydney (three during daylight saving), so a team member starting at 6:00am Manila time covers a full Sydney day, and Perth shares the same time zone. Most broking and advice practices choose 8:00am to 4:30pm or 8:30am to 5:00pm AEST.
Typically one to two weeks from the first call: we scope the role, shortlist screened candidates in three to four days, you interview and choose, and your team member starts once the Memorandum of Understanding is signed.
More questions? The full FAQ covers legality, superannuation, time zones, working hours, qualifications and performance management. Related pages: offshore legal assistants for law firms, the roles we staff and the full industry list.
Pick a time and William Smith, Offshored's co-founder, phones you. We scope the role, give you the monthly cost band and tell you honestly whether offshore staff will work for your business. No lock-in, no obligation.
Book a 20-minute call Call +61 437 228 350Prefer to type? Message us on WhatsApp or send the enquiry form. We reply within one business hour, 8am to 6pm AEST, Monday to Friday.