Welcome, Nigel
Your track: Fast-Track
You bring industry and MAS experience. Focus is on MortgageMe-specific workflow, our lenders/refix, our templates, our Trail conventions, and our compliance nuances — so you can move quickly to live work.
How this tool works: Tick tasks as you complete them. Add weekly ticks (W1–W6) and comments so Jas can see where you’re flying and where you need more support. Everything saves to your browser automatically. Open this same link each day to continue.
Privacy 101 & RealMe
Required external module
Privacy Commissioner NZ – eLearning login
Module: Privacy 101 – Introduction to the Privacy Act 2020.
RealMe is personal: RealMe is your own government login. Do not store RealMe credentials in Bitwarden. We only record evidence of module completion, not the login itself.
Create or use your own RealMe login to access the Privacy Commissioner eLearning site.
Must
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Complete Privacy 101 module and save a screenshot of the completion certificate into your onboarding folder.
Must
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Read MortgageMe Privacy Policy (current version) and discuss IPP3 & IPP3A with Jas: direct vs indirect collection, notification duty, third-party providers, client rights.
Must
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Fast-track: Compare MortgageMe’s Privacy Policy against your previous employer’s approach — flag any nuances or process differences with Debbie and Jas.
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Discuss privacy breach escalation: who to notify, what to capture, why speed matters, and where to log it.
Must
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Mortgage Workflow – Step-by-Step Guide (Source of Truth)
Primary induction source
Mortgage Workflow Checklist – HTML version
This is your daily reference throughout induction. Open it on a second screen while you work.
Your starting walk-through
Scan Stages 1–5 to identify MortgageMe-specific differences from your previous workflow (Trail templates, fact-find process, Marloo recording disclosures, handover via Applications inbox).
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Jump into Stages 6–10A with Debbie. Focus on our Trail conventions, our templates, our funding table, our bank-specific activities.
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Core MAS stages
Stage 6 – Document Assessment: completeness, labelling, consistency, requested documents, client interview & diary note review.
Must
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Stage 7 & 7A – Introduction, Next Steps, Summary & Activities: intro email, additional documents, fee disclosure prompt for second-tier lender, support tag, client journey activity, Outlook client folder, MAS workflow spreadsheet.
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Stage 8 & 8A – Application submitted to lenders: funding table, calculators, attachments, bank-specific activity, case IDs, email filing.
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Stage 9 – Bank & Client interaction: follow-ups, document requests, notes, activity ownership, communications discipline.
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Stage 10A / 10B / 10C – Conditional Approval & Critical Live S&P: urgency, finance date, settlement date, conditions, escalation triggers.
Must
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Stage 14, 18/19, 20 & Loan Settled: ULOO, loan structure, ROA, post-structure and post-settlement tasks.
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Trail Document Assessments – Ready Gate
Ready to pick up live applications once your target number of completed Trail document assessments is met and Jas signs off.
Fast-track target — 5 completed Trail document assessments, then Jas signs off.
Fast-track target — 5 completed Trail document assessments, then Jas signs off.
Our Lenders & Refix
Workflow diagram from Edwina to be attached — see the Workflow Diagram section. For the deep refix process see the Refix Playbook section below.
Review “Our Lenders” list — distinguish main banks vs non-bank / second-tier lenders, and identify when an extra fee disclosure prompt is required.
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Lender contact details + bank-specific calculator / forms process.
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Refix orientation: servicing playbook, Refix resources, refix terminology, how refix differs from new lending applications.
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Fast-track: Map MortgageMe lender scenarios against your prior experience — KO, high LVR, boarder/rental income, self-employed, personal/business/agri exceptions. Flag any unfamiliar process steps with Debbie.
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180-day preapproval extension process — and when to loop back to workflow Stages 6–8.
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Refix Playbook (Source of Truth for Refix)
MortgageMe Mortgage Servicing Playbook v1.0
Open the Refix Playbook on SharePoint
The source of truth for all things refix. Covers the full Trail Mortgage Servicing pipeline (Stages 1–11), email templates, bank-specific nuances, commission claims and onboarding checklists. Read this alongside the Mortgage Workflow HTML.
Open the Refix Playbook in SharePoint and bookmark it for daily reference.
Must
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Read the Welcome, Why Mortgage Servicing Matters, and How We Keep Clients on Track sections.
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Understand the Mortgage Servicing Dashboard — log into Trail under the Re Fix profile, not your personal Trail login.
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Walk through the 11 servicing pipeline stages in Trail: New FRR → 1st FRR Sent → Quickform Completed → Follow Up → With Adviser → Deliberating → Waiting on OCR → Client Instruction Received → Bank Instructed → FRR Confirmed/Disclosure Sent/Deal Won → Commission Hunting.
Must
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Learn the activity formula FRR (Today’s Date) – Today’s Action, F/U Action — and the rule that follow-up after the 1st FRR Email is 10 business days.
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Outlook filing convention while opportunity is open: REFIX CLIENTS → Adviser Name → Client Name, deleted once the servicing journey is won in Trail.
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Bank-specific contacts and nuances (Appendix B): ANZ, Westpac, ASB, BNZ, Kiwibank, Co-operative Bank, SBS.
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Commission rules per bank: ANZ $200, ASB $150, SBS $150, Co-Op $150, Kiwibank 0.15% trail, BNZ 0.15% trail, Westpac no refix commission. Update commission disclosure email accordingly.
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Fast-track: Compare MortgageMe’s refix pipeline to your previous employer’s process. Flag any process or template differences with Debbie and Jas.
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Policies & Templates – Know the Location
Important: Master documents live in SharedDrive → COMPLIANCE → Mortgage. You should know where they live, but you’ll work from the current versions held in Trail (our CRM). Do not edit the master copies.
| Document | Master location | Where you’ll actually use it |
|---|---|---|
| Privacy Policy | SharedDrive → COMPLIANCE → Mortgage | Trail |
| Authority & Declaration – Mortgage | SharedDrive → COMPLIANCE → Mortgage | Trail |
| Nature & Scope of Advice – Mortgage | SharedDrive → COMPLIANCE → Mortgage | Trail |
| Record of Advice – Mortgage | SharedDrive → COMPLIANCE → Mortgage | Trail |
| MAS Position Description | SharedDrive → COMPLIANCE → Mortgage (or HR folder) | Reference only |
Locate the SharedDrive → COMPLIANCE → Mortgage folder and confirm with Edwina what lives where.
Must
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Confirm understanding: master documents are not edited — we use the Trail-held current versions only.
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Bitwarden & Work Apps
Security rule: No passwords in Word, Excel, Teams, or email. All work-app logins are captured in Bitwarden by Edwina (owner of shared logins). RealMe is excluded — it is a personal login and stays with you.
| System / Tool | Bitwarden status | Date confirmed |
|---|---|---|
| Microsoft 365 (Outlook, Teams, SharePoint, OneDrive, Word, Excel, all apps) | ||
| Computer login | ||
| Trail CRM | ||
| Adobe Pro |
Bitwarden account set up and tested — open at least one captured work-app login from the vault.
Must
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Payroll App – Thankyou Payroll Employee App
Setup guide
Thankyou Payroll – Employee App Setup Guide
MortgageMe uses Thankyou Payroll. The Employee App lets you see your payslips, leave balances (annual, alt, sick), payroll giving, and your employee profile from your phone. Set it up in your first week.
Prerequisite: Edwina must have entered your work email into the Thankyou Payroll system. Once your first payslip has been emailed to you, you’re ready to set up the app.
Step-by-step setup
- On your phone, open the App Store (iPhone) or Google Play Store (Android).
- Search for “Thankyou Payroll Employee App” and install it.
- Open the app and enter your work email (the address your payslip is sent to) and your IRD number with no spaces or dashes (e.g.,
12-334-4677→123344677). - Check your email for a temporary 4-digit PIN from Thankyou Payroll, then enter it in the app.
- Set your own PIN — easy for you to remember, hard for others to guess.
- You’re done — from now on, just enter your PIN to open the app.
Tip: The app is about 100 MB — download on wi-fi if you can. If you forget your PIN, tap “Forgot My PIN” on the login screen. If you ever have a second employer who also uses Thankyou Payroll, tap the more (···) button bottom-right and select “Switch Employer”.
Setup tracking
App installed on personal phone.
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Temporary PIN received via email and personal PIN set.
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First payslip viewed in the app.
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Leave balances (annual, alt, sick) located in the app.
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Terminology & Definitions
Use the MortgageMe Mortgage Glossary as your single source of truth for all acronyms, terms and definitions. It’s searchable, filterable, and printable as a cheat sheet.
MortgageMe Mortgage Glossary
39 terms across 5 categories · live search · printable cheat sheet
📖 Open the MortgageMe Mortgage GlossaryBookmark the Mortgage Glossary and use it daily as you learn new terms.
Must
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Print the Cheat Sheet view of the glossary and keep it on your desk for week 1.
Step
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Add your own terms
Weekly Check-ins with Jas
| Week | Date | Topics covered | Confidence (1-5) | Comments | Jas sign-off |
|---|
Workflow Diagram
To be attached: Edwina Debbie attach the workflow diagram here. This block Debbie be replaced with the embedded image or PDF once available.
[ Workflow diagram placeholder ]
Replace this block with an <img> or embedded PDF/Loop link once the diagram is shared.
Replace this block with an <img> or embedded PDF/Loop link once the diagram is shared.