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Industry leading wholesale mortgage distribution
Your trusted partner in Mortgage Financing
Origin Mortgage Management Services (Origin MMS) has earned a credible reputation in the Australian market as one of the leading non-bank lenders for home loans and its end-to-end mortgage management services. Established in 1988 it is the oldest non-bank in Australia, with a history in delivering innovative home loan products.
As a wholesale distribution channel for Mortgage Managers, Origin MMS provides third-party branded funding and white-label mortgage management support.
We manage and service funds through a series of trusts administered by Perpetual Trustees and Permanent Custodians, and source these funds through various banks and the issuance of Residential Mortgage-Backed Securitisation (RMBS) Programs.
Origin Mortgage Management Services also referred to as Origin MMS is a business division of Columbus Capital Pty Limited
ACN 119 531 252, Australian Financial Services Licence and Australian Credit Licence 337303
Your trusted partner in Mortgage Financing
Origin Mortgage Management Services (Origin MMS) has earned a credible reputation in the Australian market as one of the leading non-bank lenders for home loans and its end-to-end mortgage management services. Established in 1988 it is the oldest non-bank in Australia, with a history in delivering innovative home loan products.
As a wholesale distribution channel for Mortgage Managers, Origin MMS provides third-party branded funding and white-label mortgage management support.
We manage and service funds through a series of trusts administered by Perpetual Trustees and Permanent Custodians, and source these funds through various banks and the issuance of Residential Mortgage-Backed Securitisation (RMBS) Programs.
Origin Mortgage Management Services also referred to as Origin MMS is a business division of Columbus Capital Pty Limited ACN 119 531 252, Australian Financial Services Licence and Australian Credit Licence 337303
What sets us apart
Trusted partner in Mortgage Management
A history dating back to 1988, offers wholesale funding structures, innovative products, and support services for Mortgage Managers.
Tailor-made lending solutions
We customise our lending products to best support Mortgage Managers and their customers’ needs.
Secure and
efficient
Highly specialised team of experts across all markets and convenient online access from anywhere at anytime.
Explore Our Loan and Finance Options
FOR MORTGAGE MANAGERS
Enhance your mortgage management offering through us
Being a wholesale distribution channel means that at Origin MMS we assist Mortgage Managers in arranging funds for loans, as well as provide superior customer service and support for ongoing management through each phase of the loan’s existence – from credit assessment, monitoring of loan repayments, insurance renewals, interest rate adjustments, and loan variations.
White-label mortgage management
Our white-label offering provides a scalable solution for Mortgage Managers to run their business more profitably and efficiently.
- End-to-end integrated mortgage management with enhanced customer engagement through automation, data, and reporting
- Branding integration for visibility, consistency, and a professional look
- Access to up-to-date technology with regular upgrades and leading cyber security practices for peace of mind
Account servicing and back-office support
Origin MMS extends its partnership by helping Mortgage Managers streamline operations and run more efficiently by outsourcing back-office loan processing and underwriting. With our leading technology and systems, we free up resources, allowing managers to focus on sales and further business development ventures.
Mortgage Manager Portal
For ease and convenience, we provide integrated servicing via our Interfi Mortgage Manager Portal. Enjoy the benefits of enhanced flexibility, security, reliability, visibility of information and transactions, and greater cost reductions due to lower overheads.
Over the years, we’ve earned a reputation as the mortgage manager partner of choice due to our tailor-made solutions that are developed “fit-for-purpose” to your business and borrower needs.
FOR BORROWERS
We make managing your money easy
Having an online account means that you are in control. Not only can you view and manage your home loan, money and information online. Extra repayments can be made by increasing either your direct debit repayment or your salary credit amount, via internet or telephone banking.
Check transactions and balances in one spot. Use BPAY for bills and manage your salary credits/debits.
Access these services online
- Obtain account balances
- Download transaction details
- Make inter-account payments
- Find out details of loan payments
- Make additional payments and withdraw funds
- Change password details
About us
ColCap Financial Group (ColCap) is a major Australian non-bank lender established in 2006. It is privately controlled by its Australian founders and headquartered in Sydney. The company operates in the Australia, United Kingdom, Philippines, and Malaysia, providing innovative lending solutions through a financial services brand portfolio that focuses on the community’s needs.
Origin Mortgage Management Services (Origin MMS) is a business division of Columbus Capital Pty Ltd, with ABN 51 119 531 252 and AFSL and ACL: 337303. Columbus Capital holds the Australian Financial Services Licence (AFSL) for Origin Mortgage Management Services. Origin MMS is part of the ColCap Financial Group.
Find out more at
Perpetual Trustees
The relationship between Perpetual Trustees and Origin MMS often involves Perpetual Trustees acting as the trustee or custodian for the mortgage products offered by Origin MMS. In this capacity, Perpetual Trustees holds the legal title to the loan assets on behalf of Origin MMS and its clients. This structure helps protect the interests of the investors or borrowers by ensuring that the loan assets are managed according to the terms and conditions set out in the trust deed or custodial agreement.
Our partnership with Perpetual Trustees allows us to leverage their extensive experience and reputation in trust administration, providing our clients with the confidence that their investments and funds are managed with the highest standards of excellence and integrity.
Our core values
At Origin MMS, we believe in authenticity, transparency, and adaptability. We understand that housing markets and borrowers vary, so we take the time to assess each mortgage manager’s unique needs and requirements.
Being authentic
By being authentic in our approach, we build trust and foster long-lasting partnerships.
Being adaptable
We are adaptable to the ever-changing market, tailoring our lending products and services to meet the specific needs of your business and borrowers
Being transparent
We are transparent in our communication and processes, ensuring that all parties are informed and aligned
Being authentic
By being authentic in our approach, we build trust and foster long-lasting partnerships.
Being transparent
We are transparent in our communication and processes, ensuring that all parties are informed and aligned
Being adaptable
We are adaptable to the ever-changing market, tailoring our lending products and services to meet the specific needs of your business and borrowers
Frequently asked questions
Do you need help understanding financial terms and abbreviations, or do you want to start your home loan journey? We’re here to answer your questions.
What is a Loan to Value Ratio?
The Loan to Value Ratio is a calculation that financial lending institutions use to assess the risk of approving a loan to a borrower. The Loan to Value Ratio is expressed as a percentage of the value of your house. It is calculated by dividing your loan amount/s by the value of the security property/ies. For example, a loan amount of $500,000 against a property worth $700,000 would have an LVR of 71%.
What is Lenders Mortgage Insurance (LMI)?
Lenders Mortgage Insurance (LMI) is insurance that protects the lender in the event the borrower defaults and the security property is sold and the funds from the proceeds of the sale are not enough to discharge on the loan. The LMI then pays the lender the shortfall. The rights to recover the shortfall from all of the parties on the loan (borrowers) are then transferred across to the LMI who will pursue the shortfall. The cost of LMI insurance is a one off payment at the start of the loan and should not be confused with Building insurance or Income Protection Insurance. It can be added onto the loan amount.
How much can I borrow?
If approved, you can borrow up to 95% of the value of your property (Loan to Value Ratio “LVR”) subject to lending criteria being met but you may have a different interest rate or need to pay Lenders Mortgage Insurance if your loan amount is more than 80% of the value of your property. The premium for Lenders Mortgage Insurance may be able to be added to your loan (up to 97% LVR).
How much will my repayments be?
Your repayments take into account the annual interest rate, loan term, repayment frequency, loan amount and whether you wish to pay for an agreed period of time (principal and Interest) or just the interest (Interest Only). All principal must be repaid in full at the end of the term of the loan.
What is a principal and interest loan?
Principal and Interest (P&I) loan repayments are calculated so that you pay back all of the money you borrowed (principal) and all of the interest that will be charged over the term of your loan. When the term ends (usually 30 years) you will end up with a nil balance on your loan.
What is an interest only (IO) loan?
An interest only loan allows you to pay only the interest on the loan, rather than paying back both principal and interest. At the end of the interest only period (usually five years), you still owe the full amount you originally borrowed if you haven’t made voluntary repayments. The advantage with the interest only feature is that the loan repayments are lower during this period, however unless you have made voluntary repayments of principal, you will have higher repayments for the remaining term of the loan to ensure that you will end up with a nil balance at the end of your loan.
How is interest calculated?
Interest is calculated on the daily outstanding balance of your loan and charged to your loan account monthly. You can reduce the interest you will pay on your loan by making extra repayments or depositing additional funds into your loan account to reduce your daily balance (Origin does not charge you for this). You may be able to redraw these funds when you need them depending how your Origin loan is set up.
Can I use my origin loan to purchase things other than a property?
Yes. Once approved, it is really easy. Our loans are designed to allow you to access the equity you have built up in your property (that is the difference between what your house is worth, and what you owe). Depending on your circumstances, you may be able to use the funds to acquire other assets such as shares or an investment property, even a new car or a holiday.
Can I make extra repayments?
Yes, you can make extra repayments either by increasing your direct debit repayment, your salary credit amount or one-off amounts via internet. We do not charge you for making extra repayments on a variable rate account. Fixed rate, however, has a minimum repayment amount of $20,000 per year and if you exceed this we may charge break fees.
What is a redraw facility?
A redraw facility is a facility where you can withdraw money from your loan account if you have made extra repayments to your home loan. The benefit of having a redraw facility is that the additional repayments can reduce the interest you pay, but you can withdraw them easily when you need them.
Level 12, 77 Castlereagh St Sydney NSW
PO Box A1244, Sydney South NSW 1235
Financial assistance
Financial problems can affect anyone, anywhere, at any time. With debt building up, paying your mortgage can feel overwhelming.
If you’re an Origin MMS customer and require financial support, please get in touch with us as soon as possible so we can better understand your specific circumstances and take you through the support options we have available for you.
Financial hardship
Should you be suffering hardship and struggling with your repayments due to loss of income, we are here to help.
For assistance, please contact our Hardship team on 1300 099 382 or email [email protected]
You can also download our hardship forms by clicking here and then email the completed form to our hardship team.
• Origin Hardship Variation Form
• Sharia Hardship Variation Form
You may also want to visit Credit Smart which provides helpful advice for those suffering from financial hardship. Credit Smart can also provide emergency support or assistance, including help with mental health, on their emergency support services page.
Or Government debt counselling services are available via the National Debt Helpline to help address financial problems, manage debt, and make informed choices about their money during times of hardship.
ASIC’s MoneySmart website offers free and impartial financial guidance and tools to individuals to help them make the most of their finances. They also provide additional links to financial counselling resources here: https://moneysmart.gov.au/managing-debt/financial-counselling
Natural disaster
If your property was damaged due to a natural disaster such as a flood, please contact us directly on 1300 767 023 (option 4), or email us at [email protected]
And in the situation of financial loss, you can apply for Financial Hardship by calling our Hardship Team on 1300 099 382 or by sending an email to [email protected]
Protect Your Digital Self
You can follow the four simple steps below to reduce the risk of being scammed. Find out more about identifying and protecting yourself from scams by visiting Australian Government’s ScamWatch website.
Pause before sharing your personal information. Ask yourself, do I really need to give my information to this site or this person?
Activate two layers of security. Use two-factor authentication for an extra layer of security to keep your personal information safe.
Call out suspicious messages. Be aware of current scams. If an email, call or SMS seems unusual, check it through official contact point or report it.
Turn on automatic software updates. Set your software, operating system and apps to auto update to make sure you get the latest security features.
Remember that we will never send you an email with links to sign-in pages, or ask for your personal information, account details, PIN, or passwords.
Always ensure your computer and other mobile devices have up-to-date security software, and we would suggest avoiding the use of public wi-fi to access your banking.
If you think that your data or financial details may have been compromised, please contact us immediately at 1300 767 023.
Protecting Your Data
We prioritise data protection and implement four layers of security measures.
Third-party ISO27001 compliant
electronic identification and application processing technology used to capture and process your financial information.
electronic identification and application processing technology used to capture and process your financial information.
Industry-recognised best practices
used to encrypt and protect your personal, sensitive and financial data.
used to encrypt and protect your personal, sensitive and financial data.
Advanced bank verification system
allows us to quickly verify bank account information online so we can respond to you quickly
allows us to quickly verify bank account information online so we can respond to you quickly
Australian Cyber Security Centre Essential 8 framework
alignment and strategic partnerships with world-leading cybersecurity firms ensure the utmost care is taken with your data.
alignment and strategic partnerships with world-leading cybersecurity firms ensure the utmost care is taken with your data.
Extra care and support services
If you’re an Origin MMS customer and experiencing a range of circumstances that indicate you may require extra care and support when interacting with us, please indicate how we can provide support respectfully.
Extra care and support might be required as you are experiencing a range of disadvantage, social or personal characteristics or are impacted by specific or temporary difficulties. Extra support may be required due to factors such as income, family status, age, disability, injury, illness, cultural status, and/or language barriers (note: this list is not inclusive).
You may want to share with us ways your situation and the extra care support services you require so in which we can provide that aid, support, or access to external support services. This may be by requesting (including but not limited to):
- Interpreter services
- Relay services
- Different communication methods
- A support person be present
- Financial hardship
- Flexibility in identification or other processes
- Support or discretion during difficult times, such as (domestic violence, family death or other injury or illness)
Below is a list of support providers you may also wish to use to assist you to obtain the extra required care and support regarding your circumstances and needs.
Support services & resources
| Provider | Support provided | Contact details (phone / website) |
|---|---|---|
| Money Smart | Financial guidance, counsellors, unclaimed money, calculators, and support. | https://moneysmart.gov.au/ |
| National Dept Helpline | Counselling and support for people experiencing financial difficulty (weekdays 9.30-4.30pm). | |
| Gambling Help Online | Counselling, information, and support for those experiencing addiction to gambling, their partners and families (24hr). | |
| Translating & Interpreting Services (TIS) | Translation and interpreter services (24 hr). | |
| Speak your Language | Translation and interpreter services (24 hr). | 1300 000 795 https://translationsandinterpretations.com.au/ |
| Voice Relay | Hearing or speech impairments. | 1300 555 727 or 133 677 https://www.accesshub.gov.au/about-the-nrs |
| 1800RESPECT | National sexual assault, family, and domestic violence counselling to any Australian who has experienced, or is at risk of, family and domestic violence and/or sexual assault (24hr). |
https://www.1800respect.org.au/
|
| Relationships Australia | Relationship support services for individuals, families, and communities. | |
| Lifeline | Personal crisis support for all Australians. Includes suicide prevention services (24hr) | |
| MensLine Australia | Support and counselling for men and boys dealing with family and relationship difficulties (24hr). | |
| QLife | Support and counselling for LGBTIQ+ people and their families (3pm-midnight, daily). | |
| Beyond Blue | Support for people experiencing anxiety and depression (24hr) |
https://www.beyondblue.org.au/
|
| Counselling Online | Support for alcohol and drug use, including family or friends (24hr) |
Refer to state-based services! |
Let's talk
- Within Australia
- From overseas
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Level 12, 77 Castlereagh St Sydney NSW
© 2025 | COPYRIGHT: Origin MMS is a business division of Columbus Capital Pty Limited
ABN 51 119 531 252 Australian Financial Services Licence and Australian Credit Licence No. 337303
ABN 51 119 531 252 Australian Financial Services Licence and Australian Credit Licence No. 337303
