A Personalised Soft Check is a credit check that includes a calculation of your maximum borrowing capacity. It does not affect your current credit report and is tailored to your individual circumstances.
For a Personalised Soft Check (Residential Mortgage Broking only), please fill in your details here.
Is it free of charge?
Yes.
Before You Start
You can save your progress in Middle and return to finish the form later, so there is no need to rush.
The one step to take care with is connecting your bank account. Once this step is completed and you pressed the “Submit” button, it cannot be edited or redone, so please go through it carefully.
- If you run into any issues while connecting your account, call or text 0452 571 780 before continuing. We are happy to guide you through it.
Getting this step right the first time means a faster, more accurate assessment of your borrowing options.
Personalised Soft Check, Middle Security and Privacy
One of the key reasons we use Middle is to keep your personal information safe and secure.
- Middle uses multi-layered security and bank-grade encryption to protect the information you share, including TLS 1.2 and hardware-based encryption.
- Your data is hosted in certified, Australian-based data centres and is monitored in real time. It never leaves Australia and is governed by Australian law.
- Middle never sells your data. It is used only to help your broker prepare accurate, personalised loan advice for you.
- Middle has been independently certified for maintaining a SOC 2 Type 2 security standard, meaning it continuously maintains the security, availability, confidentiality and integrity of customer data.
- Middle’s systems are protected by a web application firewall and DDoS protection, and are regularly tested by independent penetration testers.
To learn more about Middle’s approach to security, visit middle.finance/security.
Why Middle Asks for Bank Credentials
Middle lets you securely share the details your broker needs, without paper forms or emailing sensitive documents. Connecting your bank account allows us to access the financial information required to progress your home loan application quickly and accurately, and it typically only takes around 15 minutes to complete.
“My Bank Has Never Asked Me for This Before, Why Do You Need It?”
This depends on your bank and your history with them. In many cases, your existing bank already holds this information internally, which is why it has not requested it from you directly.
An independent mortgage broker works differently. Rather than being limited to one institution’s products, we compare options across a broad panel of lenders. Most lenders now request bank statements as standard, particularly if you hold accounts with multiple banks. Having accurate access to this information allows us to properly assess your situation and unlock the widest possible range of competitive options on your behalf.
For more information, please text or call 0452 571 780, or use the Contact Us form.