AI made for Australian brokers

Bring the scenario.See your options.Build the file.

ClaudeChatGPTPerplexityCursorGrokYour tools. Your workflow. More connected.

Research lender policy with sources, compare residential servicing, and turn client details into forms and document drafts.
One workspace. A clearer way through your next scenario.

Create an account to get started. No signup needed to explore the examples.

CreditPolicy / Policy ChatWORKED EXAMPLE
1 / 4 · Self-employed · alternative income evidence

Policy Chat

From a question to a next action.

1 · Policy2 · Client3 · Servicing4 · Form5 · Document
Latest tax returns aren’t ready. What can RedZed or Liberty use instead?
Checking lender sources
CONNECTED TO THIS ANSWER2 lender sources ready to carry forward
Confirm the available evidence and the requirements for the chosen product.
Sources reviewed 12 Sep 2026 · details
Plays when in view

Scripted walkthrough · source-backed answers · workflow preview only

Less retyping. More momentum.Keep the client context connected.
IN YOUR AI TOOLSSame conversation.
Better context.

Brand marks identify the tools and lenders shown. Connection options and lender coverage vary.

THE COMPLETE PANEL · 96 brands

Your full lender panel.
All in one place.

Majors, non-banks, specialists and private credit.
Explore the full panel, or find your lending category.

AMP BankAMP Bank
ANZANZ
ASCFASCF
Australian Military BankAustralian Military Bank
Auswide BankAuswide Bank
Bank AustraliaBank Australia
Bank of ChinaBank of China
Bank of MelbourneBank of Melbourne
BOQBOQ
Bank of SydneyBank of Sydney
BankSABankSA
BankwestBankwest
Beyond BankBeyond Bank
BCUBCU
Commonwealth BankCommonwealth Bank
Credit Union SACredit Union SA
Firefighters Mutual BankFirefighters Mutual Bank
FirstmacFirstmac
FundingFunding
GMCUGMCU
Granite Home LoansGranite Home Loans
Great Southern BankGreat Southern Bank
Health Professionals BankHealth Professionals Bank
Heartland Reverse MortgagesHeartland Reverse Mortgages
Hejaz Islamic FinanceHejaz Islamic Finance
Heritage BankHeritage Bank
HomeStartHomeStart
HSBCHSBC
Hume BankHume Bank
INGING
KeystartKeystart
La Trobe FinancialLa Trobe Financial
LibertyLiberty
Macquarie BankMacquarie Bank
MyState BankMyState Bank
NABNAB
Newcastle PermanentNewcastle Permanent
Pepper MoneyPepper Money
People First BankPeople First Bank
P&N BankP&N Bank
Q BankQ Bank
Queensland Country BankQueensland Country Bank
RedZedRedZed
ResimacResimac
St.GeorgeSt.George
Suncorp BankSuncorp Bank
Teachers Mutual BankTeachers Mutual Bank
The CapricornianThe Capricornian
UBankUBank
UniBankUniBank
WestpacWestpac
BOQ SpecialistBOQ Specialist
Bendigo BankBendigo Bank
IMB BankIMB Bank
Judo BankJudo Bank
MoneytechMoneytech
M Squared CapitalM Squared Capital
Prime CapitalPrime Capital
ScotPac Business FinanceScotPac Business Finance
TrailBlazer FinanceTrailBlazer Finance
Banjo LoansBanjo Loans
BizcapBizcap
DynamoneyDynamoney
LumiLumi
MoulaMoula
OnDeckOnDeck
ProspaProspa
ShiftShift
Angle FinanceAngle Finance
AFS Automotive Financial ServicesAFS Automotive Financial Services
AzoraAzora
Branded Financial ServicesBranded Financial Services
Capital FinanceCapital Finance
Finance OneFinance One
Flexi CommercialFlexi Commercial
Latitude Financial ServicesLatitude Financial Services
MapleMaple
MetroMetro
MoneyMeMoneyMe
Now FinanceNow Finance
PlentiPlenti
SelfCoSelfCo
WisrWisr
Alex BankAlex Bank
MoneyPlaceMoneyPlace
SocietyOneSocietyOne
AIAAIA
AllianzAllianz
AMMFAMMF
CoreLogicCoreLogic
Deposit AssureDeposit Assure
Deposit PowerDeposit Power
EarlypayEarlypay
EquifaxEquifax
HeliaHelia
Illion Bank StatementsIllion Bank Statements

Includes the lender and industry brands in our existing panel. Policy coverage and product availability vary. Brand marks do not imply endorsement.

THE CONNECTED BROKER WORKSPACE

From first question
to finished file.

Policy research, servicing and paperwork. Connected around your client.

Demonstrations play as you scroll
01POLICY CHAT

Less searching.
More certainty.

Research the policy behind the deal, without losing the thread. Ask in plain English and keep the relevant sources close to the answer.

  • Ask questions in your own words
  • Compare lender requirements
  • Follow the source before making the call
Watch it happen. Right here.
CreditPolicy / Policy ChatWORKED EXAMPLE
1 / 6 · PAYG · prepare the servicing scenario

Policy Chat

Research the policy, keep the source, move the file forward.

1 · Policy2 · Client3 · Servicing4 · Form5 · Document
Alex earns $95,000 PAYG. What else should I capture before I rely on a borrowing-power result?
Checking lender sources
CONNECTED TO THIS ANSWER1 lender source ready to carry forward
Complete Alex’s blank dependant and credit-card details, then run servicing and review each lender’s assumptions.
Sources reviewed 12 Sep 2026 · details
Plays when in view

Published source summaries · connected workflow preview · not a borrower assessment

02RESIDENTIAL SERVICING

One scenario.
A clearer comparison.

Bring the numbers together in one workspace. Compare residential servicing, see the differences and review the assumptions before moving forward.

  • Keep one consistent client scenario
  • See lender results side by side
  • Review the numbers, not a pile of tabs
Watch it happen. Right here.
CreditPolicy / Residential ServicingWORKED EXAMPLE
1 / 1 · PAYG single · results table

Residential Servicing

From a client scenario to a lender comparison.

AM
CLIENT SCENARIOAlex MorganOwner-occupied purchase · VIC 3000
Ready to compare
Income$95,000 PAYG
Loan$500,000
Property$625,000
LVR80%
Term30 years P&I
Living expenses~$1,000 / month
1 · Client2 · Scenario3 · Compare lenders
Servicing resultsSame client inputs assessed across the lender panel
Search lenders Columns
All 50YesMaybeNo★ Favourites
LenderResultMax capacityMonthly surplusDTIMonthly repaymentProduct rateAssessment rateKey reason
GraniteStandard Prime with Offset
Yes
$542,611
$324.33
5.26x
$3,805.66
6.39%
8.39%
Positive monthly surplusView details
LibertyPrime Star (AAA)
Yes
$541,994
$313.72
5.26x
$3,735.26
7.19%
8.19%
Positive monthly surplusView details
CommBankMAV Variable
No
$498,549
-$11.67
5.26x
$4,099.00
6.21%
9.21%
Negative monthly surplusView details
ANZStandard Variable with Offset
No
$498,175
-$14.94
5.26x
$4,095.27
6.20%
9.20%
Negative monthly surplusView details
Selected lenderGranite · Standard Prime with Offset
Capacity$542,611
Monthly surplus$324.33
Assessment rate8.39%
Open lender detail
One client. One scenario. Every lender side by side.Max capacity, monthly surplus, DTI, repayment, rates, HEM and lender-policy flags stay attached to the same client scenario, with the lender-detail waterfall one click away.

Fictional display name over the stored 01_payg_single QA benchmark inputs · not a live lender quote or approval.

Plays when in view

Stored QA benchmark snapshot · shows the CreditPolicy results-table UI · not a live quote or approval

03CLIENT AI

Start with a conversation.
Not an empty form.

Bring together the notes and documents you already have. Turn the context into a structured client profile, then check and complete the details.

  • Create with AI or enter details manually
  • Keep income, commitments and goals together
  • Reuse the profile in the next step
Watch it happen. Right here.
CreditPolicy / Client AIWORKED EXAMPLE
1 / 3 · Alex Morgan

Client AI

Notes and documents become a reusable client record.

1 · Policy2 · Client3 · Servicing4 · Form5 · Document
AM
Alex MorganOwner-occupied purchase · Victoria
STORED BENCHMARK CLIENT
Chat with client Servicing
Loan request$500,000$625,000 purchase · 80% LVR
EmploymentPAYG · permanent$95,000 PAYG p.a. · single applicant · benchmark fixture
EvidenceStored benchmark inputs; no source documents attachedNothing assumed beyond the source
Record completenessBenchmark inputs
Applicants1Ready
Employment1Ready
Income1Ready
Living expenses1Ready
Liabilities1Review
Documents0Missing
Notes1Ready
Next actionAI brief

Before treating this benchmark like a real client file, verify:

Dependants are blank in the fixture
Credit-card limit / repayment are blank
No source documents are attached
Source: Stored benchmark scenario
This exact client now appears in the servicing demo.Open servicingFill a formCreate a document
Plays when in view

Fictional display records and stored benchmark inputs · supplied facts stay separate from gaps

04FORM FILL

Know it once.
Stop typing it twice.

The client details are already in the file. Put them to work in your forms, instead of starting again with every application.

  • Choose the form you need
  • Populate it with the client’s details
  • Review and correct before using it
Watch it happen. Right here.
CreditPolicy / Form FillWORKED EXAMPLE
1 / 1 · Sam Rivera · PAYG purchase

Form Fill

Client data mapped into a lender-branded application form.

1Client loaded2Review map3Confirm fill
ANZ
Home Loan ApplicationResidential lending · broker submission
MOCK APPLICATIONDraft · not submitted
ANZ residential applicationDemonstration form · not an official ANZ form
Applicant detailsPrimary applicant
Employment & incomePAYG applicant
LiabilitiesDeclared commitments
Security & loan requestOwner-occupied purchase
26 mapped fields · review before fill
No auto-submit. The broker remains in control.
26 ANZ-form fields filled from CreditPolicy
Plays when in view

Interactive mock lender application · confirm before fill · lender submission always stays manual

05AI DOCUMENT STUDIO

From “I need a document”
to “ready for review”.

Select the client, add context and choose a template — or create a new one. Draft, edit and brand the document in one connected workflow.

  • Create client summaries, file notes and briefs
  • Use your templates and branding
  • Refine the draft in the document editor
Watch it happen. Right here.
CreditPolicy / AI Document StudioWORKED EXAMPLE
1 / 1 · Sam Rivera · Harbour credit proposal

AI Document Studio

Generate a broker-branded credit & servicing proposal from the client file.

1Client + servicing2Generate3Review PDF
Harbour Home Loans · proposal previewDraft shell
H
Harbour Home LoansCredit & servicing proposal
Credit & Servicing ProposalPrepared for Alex Morgan · 13 Sep 2026✦ Generated from client + servicing profile

Alex Morgan

Owner-occupied purchase · VIC · PAYG applicant

Property value$625,000
Loan request$500,000
Requested LVR80%
Income$95,000 PAYG p.a.
Residential servicing comparison

Stored CreditPolicy QA benchmark · same client inputs across each lender

4 lenders
LenderResultMax capacityMonthly surplusDTIAssessment
SERVICES $542,611+$324.33 5.26×8.39%
SERVICES $541,994+$313.72 5.26×8.19%
SHORT $498,549-$11.67 5.26×9.21%
SHORT $498,175-$14.94 5.26×9.20%
Servicing highlights
Highest capacity$542,611Granite
Best monthly surplus+$324.33Granite
Positive results2 of 4Granite · Liberty
Broker recommendation
Progress Granite and Liberty to current policy / product review.

Both produce a positive monthly servicing surplus in this stored benchmark. CommBank and ANZ are marginally short on the same inputs. Re-run current servicing and confirm live lender policy, rates and assumptions before any recommendation or submission.

Harbour Home Loans · broker review draftPowered by CreditPolicy AIPage 1 of 2
H
Harbour Home LoansCredit & servicing proposal
Servicing detailAlex Morgan · page 2✦ Generated from saved servicing results
Scenario inputs used
PAYG income$95,000 p.a.
Loan request$500,000
Property value$625,000
LVR80%
Term30 years P&I
Living expenses~$1,000 / month
Lender detail
SERVICES$542,611+$324.33 surplus8.39% assessment rate
SERVICES$541,994+$313.72 surplus8.19% assessment rate
SHORT$498,549-$11.67 surplus9.21% assessment rate
SHORT$498,175-$14.94 surplus9.20% assessment rate
Broker checks before lodge
Current-data review required.

Confirm income evidence, dependants, liabilities and living-expense inputs; re-run current lender servicing; verify policy/product eligibility and pricing; then document the final lender recommendation before submission.

Harbour Home Loans · broker review draftPowered by CreditPolicy AIPage 2 of 2
Generate the proposal to unlock broker review.
Plays when in view

Interactive broker-branded credit proposal · generated from a mock client profile · broker review required

06MCP & INTEGRATIONS

Your favourite AI.
Now with your policy context.

Bring CreditPolicy into the conversation you’re already having. Connect a supported AI client and research policy without constantly switching tools.

  • Use the right connection for your AI client
  • Bring policy context into the conversation
  • Keep the answer connected to the source
See supported connection options
Watch it happen. Right here.
CreditPolicy / MCP & IntegrationsWORKED EXAMPLE
1 / 3 · Alex Morgan
1 · Policy2 · Client3 · Servicing4 · Form5 · Document
ChatGPT
Share
Alex Morgan scenarioChatGPT
MR
You

Open Alex Morgan in CreditPolicy and tell me what is still missing.

ChatGPT
ChatGPT

I’ll check the saved client record in CreditPolicy.ai.

CreditPolicy.ai Called CreditPolicy.ai
get_clientClient: Alex Morgan
Tool resultAlex Morgan loaded
Loan $500,000Property $625,000LVR 80%

Still missing: Dependants not entered; credit-card limit and repayment blank; source documents are not part of the fixture.

MR
You

While I review that, search my CreditPolicy library for the main inputs that affect home-loan borrowing power.

ChatGPT
ChatGPT
CreditPolicy.ai Called CreditPolicy.ai
search_policyBorrowing power inputs
ANZ
Borrowing-power factors returned with a source

The ANZ public guide identifies income, dependants, debts and living expenses as borrowing-power inputs and notes that lender formulas differ. Client facts remain separate from policy evidence.

Message ChatGPT
+
CreditPolicy.ai connected
Plays when in view

Illustrative ChatGPT and Claude interfaces · client retrieval and policy search reflect current MCP capabilities; servicing stays in the app

07ASK BY EMAIL

A policy question.
One reply away.

Stay in your inbox. Ask your policy question by email and keep the reply and its sources together with the rest of the conversation.

  • Ask from the inbox you already use
  • Keep the context in the email thread
  • Take the relevant sources into your review
Explore the email workflow
Watch it happen. Right here.
USEFUL ANSWERS. WORTH PASSING ON.

The question. The answer.
The source to back it up.

Open the worked examples, check the published lender source, or share one with a colleague.

Self-employed · alternative income evidenceRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

Latest tax returns aren’t ready. What can RedZed or Liberty use instead?

Both publish alternative income-verification options.

Before applying this to a client

These are published documentation options, not confirmation that this borrower qualifies. Trading history alone does not establish eligibility.

Confirm the available evidence and the requirements for the chosen product.

Self-employed · Bluestone documentationRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

What alternative income documents does Bluestone publish for owner-occupiers?

Its flexible-income page lists these alternatives.

Before applying this to a client

The list does not mean all documents are required together or that any one document guarantees approval. Eligibility and credit assessment apply.

Confirm the combination of documents required for the actual application.

Self-employed · regular salary from businessRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

A business owner pays themselves a regular salary. What does CommBank’s simplified pathway ask for?

Six months of salary credits and two profitable years.

CommBank

The public eligibility section asks for six months of salary credits and financial records showing profit and loss for the last two years, with a profit each year.

Eligibility requirements
Before applying this to a client

This is CommBank’s published simplified-verification pathway, not an approval or a rule for all self-employed borrowers. The page also describes alternative documents.

Check the FAQ for alternative evidence and any additional information required.

Equity release · tax debtRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

Can RedZed consider home equity to pay out a self-employed client’s tax debt?

Yes. Tax-debt solutions are a published use case.

Before applying this to a client

This is secured equity release, not an unsecured tax-debt offer. A published use case is not approval for the borrower or a quoted loan amount.

Confirm the tax debt, property value, existing mortgage and ability to repay.

Asset finance · excavator purchaseRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

Does Angle Finance list excavators among the equipment it finances?

Yes. Excavators are in its Yellow Goods category.

Angle Finance

Angle describes secured finance for wheeled or tracked equipment, including excavators, backhoes, forklifts and mowers.

Yellow Goods
Before applying this to a client

The public category description does not establish acceptable age, pricing or approval for a particular new or used asset.

Check the proposed asset’s age, price, condition and borrower eligibility.

Policy exclusion · second mortgagesRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

Does Bluestone offer second mortgages?

No. Its published FAQ says it does not.

Before applying this to a client

This reflects the linked public FAQ as reviewed on 12 September 2026. Recheck current policy before relying on it.

Exclude this product route rather than force an unsuitable match.

PAYG · prepare the servicing scenarioRead the answer
PUBLISHED LENDER SOURCES · CHECKED 12 SEP 2026

Alex earns $95,000 PAYG. What else should I capture before I rely on a borrowing-power result?

Income alone is not enough — capture the household and commitment inputs too.

ANZ

ANZ’s public borrowing guide says borrowing power considers income, family size and dependants, existing debts and living expenses, and that lenders use different formulas.

The lending formula
Before applying this to a client

This is a public educational guide about borrowing-power inputs. It does not calculate Alex’s capacity, state an ANZ approval or establish that ANZ is suitable for the scenario.

Complete Alex’s blank dependant and credit-card details, then run servicing and review each lender’s assumptions.

ONE FILE. A MORE CONNECTED FLOW.

Less start-over.
More carry-on.

01

Bring the context.

Start with a question, client notes or the documents you already have.

02

Put it to work.

Move between policy research, residential servicing, client records and paperwork.

03

Make the final call.

Check the source, review the numbers and refine the file. You stay in control.

MADE FOR THE WORK YOU REALLY DO

More than one
kind of deal.

Policy research for different lending conversations.
Residential servicing and paperwork tools in the same workspace.

A broker at workYOUR EXPERTISE. LESS LEGWORK.
BUILT AROUND THE BROKER

The technology
does the groundwork.
You do the broking.

Keep the conversations, the relationships and the judgement that make you a great broker. Bring policy research, servicing and paperwork into one connected workspace.

Start your free trial

Residential

Policy questions and residential servicing.

Commercial

Research the policy behind the business deal.

Asset finance

Explore the requirements for equipment and vehicles.

Personal lending

Bring the relevant policy into the conversation.

IN THEIR WORDS

Built around
the broker’s day.

“I write 3-4 files a week. Used to lose half of every Friday on the phone to BDMs. With this I just type the scenario, get the answer with the actual policy quote, and move on. I've got my Fridays back.”

Anya SokolovMortgage broker · Marrickville

“Pre-vetting is the killer feature for me. I now know which lender is going to bite before I waste my client's time on an AOL. My conversion from submission to settlement has lifted noticeably.”

Daniel MarraCommercial broker · Sydney

“We migrated our whole brokerage. The fact every junior broker now has instant access to the same policy knowledge as our seniors — that has changed how we hire and train. The seniors aren't a bottleneck anymore.”

Priya RamaswamyBrokerage director · Melbourne

“Asset finance has fifteen specialists with subtly different rules on the same thing. I used to keep a spreadsheet. Now I just ask the Asset Buddy. Same answer, faster, more confident.”

Mitch LathamAsset finance broker · Perth
A FEW THINGS WORTH KNOWING

Good questions.
Clear answers.

Get to know the workspace before you get started.

Talk to the team
Do I have to replace my CRM?
No. CreditPolicy is a workspace for policy research, scenarios, servicing and document preparation. Keep your existing CRM and use CreditPolicy for the work around the client file.
Can I use it without an AI assistant account?
Yes. The CreditPolicy app is one way to work. Supported AI connections and email offer other ways to access policy research.
Are these real AI answers and lender calculations?
These homepage demonstrations are animated, scripted examples using fictional clients. The policy cards and servicing figures are illustrative, not live lender advice, calculations, quotes or approvals. Sign in to use the actual product.
What is the difference between Form Fill and Document Studio?
Form Fill brings client details into a form. AI Document Studio helps you create a document from client context and a template, then edit and brand the draft. They are separate tools.
Can I check the output before using it?
Yes. Review the source policies, scenario inputs, extracted client details, completed forms and draft documents. The broker remains responsible for checking the file.
Where can I see the plans and trial details?
See the pricing page for current plans and trial details, or start your signup.
FROM THE FIRST QUESTION TO THE FINAL DRAFT

Your next deal.
A better way through.

Less switching. Less retyping.
Keep the groundwork together, so you can focus on the client.

01Start with the client

Client AI

Turn your notes and documents into a profile you can review.

See the full demo
02Work through the numbers

Residential Servicing

Compare the lender results alongside the same client scenario.

See the full demo
03Prepare the paperwork

AI Document Studio

Take the client context into a branded draft, ready for your review.

See the full demo

A closer look at the demonstrations above. Fictional client details and illustrative results.

YOUR EXPERTISE. A LITTLE LESS LEGWORK.

Bring your next question.
Make room for better broking.

Start in the workspace, explore the plans, or talk it through with our team.