Can RedZed consider home equity to pay out a self-employed client’s tax debt?
Bring the scenario.See your options.Build the file.
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.
Policy Chat
From a question to a next action.
Both publish alternative income-verification options.
Scripted walkthrough · source-backed answers · workflow preview only
Policy Chat
From a question to a next action.
Both publish alternative income-verification options.
Policy Chat
From a question to a next action.
Income alone is not enough — capture the household and commitment inputs too.
Policy Chat
From a question to a next action.
Its flexible-income page lists these alternatives.
Policy Chat
From a question to a next action.
Yes. Tax-debt solutions are a published use case.
Illustrative ChatGPT and Claude interfaces · CreditPolicy.ai is shown as the connected tool
Re: Equity release · tax debt
InboxScripted email · source-backed answers · nothing is sent
Re: Equity release · tax debt
InboxRe: Self-employed · Bluestone documentation
InboxRe: Policy exclusion · second mortgages
InboxYour full lender panel.
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Illion Bank StatementsIncludes the lender and industry brands in our existing panel. Policy coverage and product availability vary. Brand marks do not imply endorsement.
From first question
to finished file.
Policy research, servicing and paperwork. Connected around your client.
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
Policy Chat
Research the policy, keep the source, move the file forward.
Income alone is not enough — capture the household and commitment inputs too.
Published source summaries · connected workflow preview · not a borrower assessment
Policy Chat
Research the policy, keep the source, move the file forward.
Income alone is not enough — capture the household and commitment inputs too.
Policy Chat
Research the policy, keep the source, move the file forward.
Both publish alternative income-verification options.
Policy Chat
Research the policy, keep the source, move the file forward.
Its flexible-income page lists these alternatives.
Policy Chat
Research the policy, keep the source, move the file forward.
Six months of salary credits and two profitable years.
Policy Chat
Research the policy, keep the source, move the file forward.
Yes. Tax-debt solutions are a published use case.
Policy Chat
Research the policy, keep the source, move the file forward.
No. Its published FAQ says it does not.
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
Residential Servicing
From a client scenario to a lender comparison.
Fictional display name over the stored 01_payg_single QA benchmark inputs · not a live lender quote or approval.
Stored QA benchmark snapshot · shows the CreditPolicy results-table UI · not a live quote or approval
Residential Servicing
From a client scenario to a lender comparison.
Standard Prime with Offset
Prime Star (AAA)
MAV Variable
Standard Variable with OffsetFictional display name over the stored 01_payg_single QA benchmark inputs · not a live lender quote or approval.
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
Client AI
Notes and documents become a reusable client record.
Fictional display records and stored benchmark inputs · supplied facts stay separate from gaps
Client AI
Notes and documents become a reusable client record.
Client AI
Notes and documents become a reusable client record.
Client AI
Notes and documents become a reusable client record.
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
Form Fill
Client data mapped into a lender-branded application form.
Interactive mock lender application · confirm before fill · lender submission always stays manual
Form Fill
Client data mapped into a lender-branded application form.
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
AI Document Studio
Generate a broker-branded credit & servicing proposal from the client file.
Alex Morgan
Owner-occupied purchase · VIC · PAYG applicant
Residential servicing comparison
Stored CreditPolicy QA benchmark · same client inputs across each lender
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
Broker recommendation
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.


Scenario inputs used
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 rateBroker checks before lodge
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.
Interactive broker-branded credit proposal · generated from a mock client profile · broker review required
AI Document Studio
Generate a broker-branded credit & servicing proposal from the client file.
Alex Morgan
Owner-occupied purchase · VIC · PAYG applicant
Residential servicing comparison
Stored CreditPolicy QA benchmark · same client inputs across each lender
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
Broker recommendation
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.


Scenario inputs used
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 rateBroker checks before lodge
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.
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
Illustrative ChatGPT and Claude interfaces · client retrieval and policy search reflect current MCP capabilities; servicing stays in the app
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
Re: Equity release · tax debt
InboxScripted email · real public-source summaries · nothing is sent
Re: Equity release · tax debt
InboxRe: Self-employed · Bluestone documentation
InboxRe: Self-employed · alternative income evidence
InboxThe 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
Latest tax returns aren’t ready. What can RedZed or Liberty use instead?
Both publish alternative income-verification options.
Accountant declarations, BAS or business bank statements.
No financials, no problem / Tax debt solutionsFor low-doc loans secured by residential property: bank statements, BAS or an accountant’s declaration.
What documentation do I need if I’m self-employed?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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Self-employed · Bluestone documentationRead the answer
What alternative income documents does Bluestone publish for owner-occupiers?
Its flexible-income page lists these alternatives.
Six months of BAS, six months of business bank statements, an accountant’s letter, and tax returns are listed as income-verification examples.
Flexible income / Second mortgages FAQThe 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Self-employed · regular salary from businessRead the answer
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.
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 requirementsThis 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Equity release · tax debtRead the answer
Can RedZed consider home equity to pay out a self-employed client’s tax debt?
Yes. Tax-debt solutions are a published use case.
RedZed says its home-loan options can access property equity to clear or reduce a tax liability.
No financials, no problem / Tax debt solutionsThis 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Asset finance · excavator purchaseRead the answer
Does Angle Finance list excavators among the equipment it finances?
Yes. Excavators are in its Yellow Goods category.
Angle describes secured finance for wheeled or tracked equipment, including excavators, backhoes, forklifts and mowers.
Yellow GoodsThe 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Policy exclusion · second mortgagesRead the answer
Does Bluestone offer second mortgages?
No. Its published FAQ says it does not.
The owner-occupier FAQ states that Bluestone does not currently offer second mortgages.
Flexible income / Second mortgages FAQThis 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.PAYG · prepare the servicing scenarioRead the answer
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’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 formulaThis 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.
Only this public example and its source links are shared. No client file, private conversation or account details.
Create an account to get started. Trial activation is completed during onboarding.Less start-over.
More carry-on.
Bring the context.
Start with a question, client notes or the documents you already have.
Put it to work.
Move between policy research, residential servicing, client records and paperwork.
Make the final call.
Check the source, review the numbers and refine the file. You stay in control.
More than one
kind of deal.
Policy research for different lending conversations.
Residential servicing and paperwork tools in the same workspace.
YOUR EXPERTISE. LESS LEGWORK.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 trialResidential
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.
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.”
“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.”
“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.”
“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.”
Good questions.
Clear answers.
Get to know the workspace before you get started.
Talk to the teamDo I have to replace my CRM?
Can I use it without an AI assistant account?
Are these real AI answers and lender calculations?
What is the difference between Form Fill and Document Studio?
Can I check the output before using it?
Where can I see the plans and trial details?
Your next deal.
A better way through.
Less switching. Less retyping.
Keep the groundwork together, so you can focus on the client.
Client AI
Turn your notes and documents into a profile you can review.
See the full demoResidential Servicing
Compare the lender results alongside the same client scenario.
See the full demoAI Document Studio
Take the client context into a branded draft, ready for your review.
See the full demoA closer look at the demonstrations above. Fictional client details and illustrative results.
Bring your next question.
Make room for better broking.
Start in the workspace, explore the plans, or talk it through with our team.



