Residential & Commercial  Program

Eden Mentoring Residential & Commercial course is crafted for skill development, aiming to elevate your confidence and enhance your performance in the industry.

The Compliance Journey

The MMA Mentor Programme has been designed around latest industry best practice.

The Programme comprises eight (8) easy to follow Modules of structured and integrated learning with practical, clearly defined and measurable outcomes across the following Key Performance areas:

Industry compliance

Loan products, policies and structures

The MMA Mentoring Certified Mentors that run the Programme possess a great depth of industry experience. They are professionally recognised Mentors who have been specially selected and trained by MMA which in turn is professionally recognised and Endorsed by the Mortgage and Finance Association of Australia (MFAA) as well as the Finance Brokers Association of Australia (FBAA).

An overview of the Programme is detailed on the ensuing pages.


Benefits Of Our Seasoned Instructors

Successful Careers

Boast successful careers as mortgage brokers

Commercial Banking

Grasp the intricacies of commercial broking


Demonstrate professionalism and enthusiasm to assist brokers in diversifying

Diverse Portfolios

Possess diverse commercial loan portfolios

Mentoring Commercial Brokers

Excel in mentoring aspiring commercial brokers


Excel in communication with all stakeholders

Residential Broker Program (8 Modules)

Provides scenario support during fortnightly CPD calls

Utilizes electronic delivery with interactive elements

Is meticulously designed to yield practical and measurable outcomes

Grants access to an extensive library of up-to-date tools, templates, and documents

Assists with scenarios, submissions, product selection, policy, and calculations

Offers access to fortnightly CPD sessions, recognized by MFAA and FBAA

Course Overview

Module 1

  • The Foundation Module

    This covers the new Brokers first 3 months in the industry and builds on the skills and qualifications gained from their Certificate IV/Diploma Studies.

  • Initially they will obtain their industry and lender accreditations.

  • NCCP and other legislative acts/codes are studied, interpreted and discussed to ensure proper understanding. How to comply with the legislation when dealing with client referrers, lenders and other parties is practised. Actual scenarios generated by the Mentee are the key learning tool.

    Broker Software practice commences as they work through 2 simple Scenarios.
    Actual Loan scenarios and Loan Packaging are “workshopped".

Module 2

  • Starting to Build a Viable Business

    With the majority of accreditations secured, a documented Business Plan, clearly articulated goals and all their business tools in place, this where the new Broker really starts their business building phase.

  • The Loan Compliance Map is re-enforced through practice at completing theoretical NCCP and Loan Disclosure documents.

  • Actual Loan scenarios and Loan Packaging continue to be "workshopped".

Module 3

  • The beginnings of a Loan Book

    By this stage, the new Broker will likely have lodged (if not settled) their first loan.

  • The Loan Compliance Map is re-visited and dissected against ACTUAL loan scenarios.

  • Loan scenarios and Loan Packaging continue to be "workshopped".

Module 4

  • The Loan Book starts to take shape

    Most new Brokers should have lodged or settled at least 6 loans by this stage, so their Loan Book should be starting to take shape.

  • The Loan Compliance Map is re-visited and dissected against ACTUAL loan scenarios.

  • Loan scenarios and Loan Packaging examples continue to be "workshopped".

Module 5

  • The Second Year begins

    In this Module we introduce the different Business and Trust Structures they will likely encounter as their business matures.

  • Lender documentation requirements for each of the different structures are explained and mapped out.

  • Mentees learn how to read financial statements and how to construct residential serviceability calculations from those statements, including acceptable "add backs".

  • Loan scenarios and Loan Packaging focus on lending to self employed borrowers.

Module 6

  • Introducing Commercial Lending

    Commercial and Asset Lending Products are introduced in Module 6.

  • Building on the previous module's learning, over this next 3 months, the new Broker learns how to analyse and interpret financial statements.

  • They learn about Ratio Analysis. What it means, what it can reveal about a business, and how key performance measures are calculated..

    Loan scenarios and Loan Packaging examples during this Module focus on financial analysis, commercial lending and the various asset finance products.

Module 7

  • Consolidation and Growth

    In this Module we look at Bridging Loans, Buying off the Plan, Deposit Bonds and Bank Guarantees - what they are, how they work and when they might be an appropriate client solution.

  • We also introduce lending to SMSFs and explain the Custodial nature of the transaction and key sections of the SIS Act that apply.

  • Research Projects Loan scenarios and Loan Packaging focus on these specialised loan products. These continue to be "workshopped" and specialist providers brought in where required.

Module 8

  • The Final Module

    HOW TO apply for your Australian Credit License (ACL) forms the crux of this Final Module.

  • They learn about the Risk Management process in its broadest sense (based on Australian Standards) and then how to Identify, Analyse, Evaluate and Treat Risks in their own mortgage broking business.

  • They are required to write up a Risk register and Risk Treatment Plan.

  • ASIC's Annual Compliance Report is also explored in detail. Specifically, how it is compiled, when it is compiled and what needs to be covered in the Report.


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