Who We Are
Our Passion
At Vault Mortgage Corporation, we pride ourselves on being trusted mortgage brokers dedicated to helping clients navigate the complex world of home financing. With years of experience in the industry, our professional team works diligently to provide tailored solutions that meet the unique needs of each individual or family. We understand that securing a mortgage is a significant decision, and our commitment to transparency, integrity, and exceptional customer service ensures that you have the support and guidance needed throughout the entire process. Whether you are a first-time buyer, looking to refinance, or seeking investment opportunities, we empower you with the knowledge and resources to make informed choices for your financial future.
Ethical Statement
The MFAA holds in high repute "fostering high ethical standards."
Vault supports this mandate by:
Fostering high ethical standards in the Australian mortgage industry.
Promoting educational standards and professional development in the industry.
Encouraging the availability of quality customer-focused mortgage services to the Australian public.
Schedule a consultation with our financial experts to explore tailored loan solutions. Secure your appointment today to gain valuable insights and make informed decisions.
FAQs
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Vault Mortgage Corporation operates as a sub-aggregator, offering a comprehensive platform for mortgage brokers that enhances their service capabilities while providing access to a diverse range of products. As a sub-aggregator, Vault partners with multiple aggregators and lenders to streamline the mortgage process for brokers, enabling them to offer competitive loan products to their clients.
This structure allows brokers to leverage Vault’s extensive network and resources without compromising their independence. By acting as an intermediary, Vault simplifies access to a variety of lenders, enhancing the brokers' ability to find suitable financing solutions tailored to their clients' needs.
Vault's unique position as a sub-aggregator also includes providing support services, such as training, compliance guidance, and technology solutions. This not only helps brokers stay updated with industry standards but also allows them to focus more on building client relationships and closing deals.
Through its integrated platform, Vault fosters innovation and efficiency
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Yes. Vault does not lend their own money for home or investment loans - they source their funds from elsewhere - and this has significant benefits. Vault does not accept deposits. We are not a bank. Vault arranges home and investment loans using funds from sources such as unit trusts, superannuation funds, securitised funds and even the banking sector itself. Indeed, banks without well-developed and costly branch networks are a common source of the funds used by Mortgage Managers, who then pass on their competitive rates to home buyers.
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The owner of the mortgage is not Vault but the original provider of the funds, who works through a trustee. The trustee's job is to ensure your mortgage is properly and professionally managed on a day-to-day basis by Vault. If Vault ceased trading, the trustee would simply appoint another Mortgage Manager and your mortgage would carry on as before, but 'under new management'. Mortgage Managers have brought strong competition to the home loan market and are subject to competitive pressures, ensuring they offer attractive interest rates and personal service.
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Mortgage Managers receive payments from two main sources - application fees which help offset the cost of establishing your loan, and management fees paid by the providers of the funds for the ongoing management of the loan portfolio on their behalf.
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