Managing mortgagee-in-possession sales across email, spreadsheets, and disconnected vendors makes every step slower to execute and harder to defend — while regulators expect a complete, auditable record of every decision.
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Slow MIP turnaround
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SLA breaches
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Manual vendor chasing
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Audit gaps
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The OnDeed Solution:
Every MIP, every vendor, and every compliance obligation — managed end-to-end on one governed platform, from possession to sale.
OnDeed Manages Your Risk
OnDeed gives lenders complete oversight of every MIP file, every vendor, and every compliance obligation, all while reducing headcount.
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Customisable Delegations
Complete control over every step in every process, whether run by internal staff or third-party vendors — with a live dashboard monitoring performance against SLAs and KPIs.
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Interactions & Processes
Eliminates duplication and promotes operational efficiency with reduced FTE requirements, managing every stakeholder workflow from one dashboard.
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Governance & Compliance
Built around the standards that govern MIP operations, including ASIC RG271 and APRA prudential requirements — with a complete Internal Dispute Resolution process and every action dated and auditable.
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Up to 90% Workload Reduction
Smart automation handles repetitive tasks so your people focus on decisions, not administration.
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Live KPI & SLA Reporting
Real-time performance dashboards with customisable visibility for every stakeholder across the entire portfolio.
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Three-Screen Simplicity
Dashboard, Details, and Reports. Your entire operation on three intuitive screens.
How It Works
Exposure evaluation, legal enforcement, and realisation of property sale work together to reduce hold time — and with it, hold costs. The OnDeed system is geared to reduce exposure for all stakeholders, giving lenders the information required to make an informed decision at every step.
Phase 1 — Exposure Evaluation
1
AI Valuation
Fast, low-cost AI valuations establish initial exposure across a single property, an entire loanbook, or a postcode risk profile.
2
Scheduled AVM & Property Trends
Where the AI valuation sits within an acceptable range, the lender chooses how frequently the Automated Valuation Model (AVM) is conducted. Recurring AVMs deliver trend analysis.
3
Desktop or Curbside Escalation
A property that fails the AI valuation metrics progresses to a desktop valuation or curbside appraisal for a closer read.
4
Outcome Determines Path
A successful desktop or curbside valuation reverts the property to AVM monitoring. A failure progresses the file to legal enforcement.
5
Live Dashboard
Valuations, exposure movement, AVM schedules, and escalations are tracked live on the dashboard, with a complete history against each property.
Phase 2 — Legal Enforcement
1
Default Notices Issued
OnDeed is built for a lawyer to manage the full realisation-of-assets process, beginning with the issue of default notices.
2
Commence Proceedings
Claims are prepared, filed, and tracked against the property file with every date and document retained.
3
Default Judgement
Judgements are progressed and recorded inside the platform, keeping lender, lawyer, and counterparties on the same record.
4
Warrant of Possession
Possession is obtained and the file moves through to realisation without a break in the evidence trail.
5
Lender Visibility & Cost Reduction
Running enforcement on OnDeed gives the lender visibility of every stage for the first time, with legal costs expected to reduce by in excess of 50%.
6
Live Dashboard
Notices, claims, judgements, writs, and legal costs are tracked live on the dashboard, with a complete history against each matter.
Phase 3 — Realisation of Property Sale
1
Indicative Value
Initial appraisals are conducted using desktop research or roadside inspection to give the lender a quick indication of the property’s value.
2
Mercantile Agent Appointed
Agents take possession of the home by eviction, surrender, or abandonment.
3
Abandoned Goods & Meth Handled
Abandoned goods, content valuation, and Meth contamination are dealt with appropriately, with all legal notices issued to the borrowers.
4
Property & Contents Valuation
Accredited valuers conduct an accurate valuation of the property as-is and as-if-complete value.
5
Mortgage Insurer Notified
OnDeed compiles the list of recommended works. Where applicable, the lender’s mortgage insurer is consulted to finalise the scope of work.
6
Marketing & Property Sale
OnDeed engages and manages all trades to completion, always securing multiple quotes per trade, then takes the property to market via Auction or Private Treaty with weekly progress.
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Live Dashboard
Appraisals, agent appointments, valuations, works, campaign progress, offers, and settlement are all tracked live on the dashboard, with a complete history against each property.
The Ecosystem
Every party in the process operates directly inside OnDeed — connected, tracked, and accountable.
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Every stakeholder on one platform
All tasks, all data, and the complete evidence trail in a single operational environment. No handover gaps, no information silos, no emails disappearing into inboxes.
2
Tasks automated and delegated with precision
Routine tasks run automatically. Human-required work appears in the right person’s queue at the right time — guided by built-in policies and procedures from day one.
3
Reporting that answers before you ask
A single source of truth for real-time KPI, SLA, and cost reporting across every asset and portfolio, with customisable visibility for each stakeholder. Export or share board-ready reports without manual collation.
4
Five-minute onboarding for every new party
New stakeholders join in minutes — no training manuals, no IT projects. The platform guides every action, so expertise follows the workflow automatically.
Results That Speak
“
OnDeed took a process that relied on dozens of emails, phone calls, spreadsheets and manual follow-ups and turned it into one clear, trackable workflow. We now know exactly where every matter sits, what needs to happen next and who is responsible. The difference in speed, visibility and control is night and day.
MT
Matthew Harrington
Territory Private
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OnDeed gives us visibility across the entire process from start to finish. We can see where every matter is up to, what has been completed, what is outstanding and the history behind every decision. For an environment where transparency and accountability are critical, that level of oversight is extremely valuable.
JS
John
SA Government
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What impressed us most about OnDeed is that it didn’t just digitise our existing process — it fundamentally improved the way the process works. Tasks are clearer, information is easier to find, accountability is built in and management has visibility across everything in real time. It’s set the standard for how we run our enforcement matters.
GS
Gavin Stuart
Bartier Perry
70%+
Workload reduction reported by clients
5min
Average time to onboard a new stakeholder onto the platform
100%
Customisable visibility across all assets and portfolios, end-to-end
Trust & Security
Built from the ground up for the most regulated industries in the world — where governance isn’t optional and every decision must be defensible.
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Penetration-Tested Security
Enterprise-grade cybersecurity with regular penetration testing to meet the highest institutional and government standards. All data is hosted and protected within Australia.
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Full Evidence Trail
Every task, decision, and document is logged and auditable — providing a complete compliance record at all times, for every party.
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Internal Dispute Resolution
Built-in dispute resolution capability ensures regulatory compliance is maintained end-to-end, not retrofitted as an afterthought.
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Granular Delegation Controls
Set different access levels and spending delegations for each client or stakeholder — all managed and auditable from one platform.
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System Integration
Connects seamlessly to your existing infrastructure via secure API integration — protecting current technology investments while unlocking the full value of the OnDeed workflow.
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Built for Scale
From a handful of users to thousands of stakeholders, hundreds of thousands of tasks, and millions of files — OnDeed performs at scale without compromising speed, accuracy, or governance.
Get Started
Our team will walk you through a real, working demonstration of the platform end to end — maintenance, compliance, legal, and sales workflows — tailored to your lending portfolio.