Keep the Application Matching the Register
Commercial and business lending files depend on the borrower and guarantor entities staying as you described them to the lender. Between application and settlement, and across the life of the relationship, company details can change. MonitorHQ monitors those entities and alerts you quickly, so you can address it with the client or lender before it becomes a problem.
What Goes Unnoticed
The changes nobody tells you about
Borrower details change before approval
Directors or the registered address of a borrower company change after you submit. The application no longer matches the register.
Guarantor company status shifts
A guarantor company changes officeholders or status between application and settlement, and the lender notices before you do.
New security interests appear
A PPSR registration is lodged against an ACN-registered borrower after your initial search, which can affect what the lender will accept.
Client ABN or name lapses
A client's ABN is cancelled or their business name lapses while a facility is in progress. Lenders ask why.
How It Fits Your Work
One profile per entity, watched continuously
ABN, ACN and business name monitoring in one place, plus PPSR for ACN, ARBN and ARSN-registered entities
Add entities at file opening
Create a profile for the borrower and each guarantor when you start the file, or bulk import your active pipeline.
Keep monitoring after settlement
Leave your settled clients on monitoring to support ongoing broker due diligence and spot refinance or renewal conversations early.
A dated record of changes
Each change is logged with old and new values, so you can show a lender what changed and when you acted.
Guides
Worth reading for mortgage brokers
PPSR security interests: what they are and why monitoring them matters
What the PPSR is, how security interests work, and why a new registration against a counterparty is an early risk signal for lenders and landlords.
CompanyHow to monitor an Australian company for changes
What changes on an Australian company record, what each change can signal, and how to build a simple review routine or automate the monitoring.
ABNHow to check if an ABN is active (and what the statuses mean)
Learn how to check whether an ABN is active, what ABN Lookup shows, what a cancelled ABN means for invoicing and GST, and how to check many entities.
Questions Mortgage Brokers Ask
Straight answers
Does this replace the lender's own checks?
No. Lenders run their own checks and set their own requirements. MonitorHQ helps you hear about register changes early so your file stays accurate.
Does it work for sole trader and trust borrowers?
ABN and business-name monitoring apply. PPSR security-interest monitoring only applies to ACN, ARBN and ARSN-registered entities.
Can I monitor my whole book?
Yes. Bulk import loads a book of entities at once, and cost scales with the number you monitor, so you can start with larger or riskier files.
Will it tell me whether a borrower can repay?
No. It reports public register changes, such as status, officeholders, addresses, names and, where they apply, security interests and insolvency notices.
Pricing
Plans for every need
From sole practitioners to enterprise portfolios
Start with a 15-day free trial - up to 10 entities, no charge unless you confirm.
Starter
Sole practitioners & small accounting/conveyancing/real estate offices.
billed annually ($1,068/yr) · $129/mo month-to-month · save 31%
- 30 entities included, then $2.50/entity/mo
- Standard 24h checks, 5 slots for 4-hourly priority monitoring
- Email alerts
- ABN, ACN & business-name change alerts
Practice
Mid-size accounting, law, brokerage & agency firms - the AML/CTF Tranche 2 core.
billed annually ($2,748/yr) · $299/mo month-to-month · save 23%
- 150 entities included, then $1.20/entity/mo
- Real-time email alerts
- 25 slots for 4-hourly priority monitoring
- Ongoing-CDD trigger export, 3 seats
- Bulk import (UI & API)
Portfolio
Larger firms, lenders, corporate services providers.
billed annually ($6,588/yr) · $649/mo month-to-month · save 15%
- 500 entities included, then $0.60/entity/mo
- Webhook + API access
- 100 slots for 4-hourly priority monitoring
- Unlimited seats, priority support
- Bulk import (UI & API)
Enterprise
Integrators, large lenders & white-label partners
from ~$15,000/yr · 24-month term for best rate
- Custom entity volume & SLA
- SSO, dedicated infra, white-label
- Named account manager
- SLA guarantee
Also built for
Add Your First Entity
See what has already changed on an entity before you pay for anything - no charge unless you confirm during the 15-day trial.