AI for mortgage brokers · Sydney

AI for mortgage brokers: get every file to the lender faster and complete

In most brokerages the bottleneck is not finding clients, it is building the file. Payslips chased by text, bank statements read line by line for serviceability, the same details typed into the CRM and then into ApplyOnline. I help broking businesses turning over one to ten million take that load off, one small step at a time, with the broker checking everything before it goes to a lender.

Start a conversation How it works

Where a brokerage’s week actually goes

Talk to any broker with a healthy pipeline and the story is the same. Writing loans is under control. The work around it is not: a client who sent four of the seven documents needed, a bank statement that has to be read for every regular expense, a submission held up by one missing payslip, and lender requests for more information arriving after the rate has moved.

None of it is hard. All of it is constant, and it falls on brokers and loan processors whose time decides how many deals the business can carry. That is exactly the kind of work AI is now good at: reading documents, checking what is there against what the lender needs, pulling out the figures, and drafting the next email for a person to approve.

This is not about a new CRM. You keep Mercury, Salestrekker or your aggregator’s platform, ApplyOnline and the lender portals. The job is to connect AI to what you already run, so the collecting, reading and preparing is done for you and the broker reviews a ready file instead of assembling it.

What I’d take off your plate first

Usually Mercury, Salestrekker or an aggregator CRM for deals, ApplyOnline and lender portals for submissions, Xero or MYOB for the business, and Microsoft 365 or Google Workspace for everything else. I connect AI to those, rather than asking you to replace them.

Fact-finds that fill themselves in

A first call or a client’s emailed answers turned into a draft fact-find in your CRM, with the gaps listed for the broker to ask about. Nobody retypes what the client already said once.

Document collection and checking

A checklist built for each loan type, documents read as they arrive, out-of-date or missing pages flagged, and a specific, friendly reminder drafted for what is still outstanding.

Serviceability prep from bank statements

Statements read and summarised into income, regular expenses, debts and anything a credit assessor will ask about. The broker runs the calculator and makes the call, from a summary rather than raw PDFs.

Lender submissions and notes

The broker notes and submission summary drafted from the file in the format each lender prefers, and requests for more information answered from documents already held, for the broker to check and send.

Pipeline and settlement tracking

Every deal’s stage pulled from emails and lender updates, conditions and expiry dates watched, and a morning list per person of what is stuck and what is due to settle.

Commissions and the post-settlement book

Commission statements reconciled against settled loans with shortfalls flagged, and fixed-rate expiries and annual reviews turned into drafted check-in emails, so the book is looked after rather than refinanced away.

And the admin every office has

The same work turns up in every brokerage: email, spreadsheets, documents, and a Microsoft or Google setup that grew without a plan.

Invoicing and accounts payable

Supplier bills read, coded and matched to the order or the job before they reach Xero or MYOB. Mismatches drafted into an email for someone to approve. Overdue invoices chased politely, on a schedule.

Email that answers itself, nearly

The inbox triaged each morning, routine replies drafted in your tone, attachments filed to the right folder, and a short list of what actually needs you today.

Spreadsheets you stop rebuilding

The weekly report that someone copies and pastes together every Monday, produced before you arrive, with a sentence on why the number moved.

Documents and slides

Proposals, letters, reports and board slides drafted from your own templates and your own past work, so the first draft is eighty per cent there rather than a blank page.

Microsoft 365 or Google Workspace, set up properly

Shared drives that make sense, permissions that match who you are now, and AI connected to mail, calendar and files the same way for everyone instead of five people doing it five ways.

Project and job tracking

Status updates written from what actually happened in email and the job system, tasks pulled out of meeting notes, and a morning brief per person of what is due.

How it works: audit, roadmap, implementation, training, support

Sold one step at a time. Each step is quoted before it starts, stands on its own, and you decide after each one whether to take the next. Most businesses your size go from the audit to a working, trained setup in three to six months.

Audit

Two weeks, fixed price. A map of every system you run, a ten-minute staff survey, a few five-minute screen recordings of the work that eats the week, and short conversations with the people who run the business. It costs your team minutes, not hours.
Roadmap

A ninety-day plan written from what the audit found: which processes first, ranked by admin removed against cost and risk, which AI plan and accounts your team should be on, and a two-page policy on what may go in. Every item has its own price.
Implementation

I build the first one or two automations inside your own Microsoft 365 or Google Workspace, connected to the systems you already run. AI drafts, a person approves anything that leaves the building, and it runs beside the manual way until you trust it.
Training

Your team learns on their own work, not on demos. One standard setup for everyone, a short session per group, and one-to-one time with the two or three people who will carry it once I step back.
Support

A light monthly retainer: one call, a one-page summary, fixes, and the next routine your team worked out promoted into something the business runs. I read the AI news so your people do not have to.

Use AI without handing over your clients’ data

A brokerage holds exactly what fraudsters want: identity documents, payslips, bank statements, credit details and full financial positions. None of it needs to leave your own systems for AI to be useful.

The work happens inside your Microsoft or Google tenant and your CRM, on a business AI plan that does not train on your data, with company accounts for every person who uses it. Nothing goes into a free chatbot, and anything that goes to a client or a lender waits for the broker to approve it.

The basics, every time

Company accounts on a business AI plan, never personal logins. Business plans do not train on your data.
AI connected to your own Microsoft or Google tenant, so files stay where they already live and access is revoked in one place.
A two-page policy your team can actually remember: which accounts, what may go in, what never does.
Everything I build lives in your accounts and is logged. I work from a staff login, not the master key.

Where most start

A typical first project: document collection and checking

Most audits in broking land on the same quick win. Each loan gets its own checklist, documents are read and ticked off as they arrive, and reminders for what is missing are drafted for the team to approve. It runs beside the old tracker for a fortnight until you trust it. From there, serviceability prep and submission notes are usually next.

Where I work

Based in the Sutherland Shire. In person across these areas, remote everywhere else in Australia.

Sutherland Shire

Cronulla, Miranda, Caringbah, Sutherland, Gymea and around.

Southern Highlands

Bowral, Mittagong, Moss Vale, Exeter, Robertson and around.

St George

Hurstville, Kogarah, Rockdale, Sans Souci, Bexley and around.

Eastern Suburbs

Bondi Junction, Double Bay, Paddington, Woollahra, Randwick and around.

Frequently asked questions

Will AI decide which loan suits a client?

No. It prepares the file, summarises the figures and drafts the notes. The recommendation and the best-interests judgement stay with the broker, who reads everything before it goes to a client or a lender.

We use Mercury (or Salestrekker, or our aggregator’s CRM). Do we need to change?

No. The point is to connect AI to what you already run. Where your CRM has a way in, I use it. Where it does not, I work from email and documents and keep everything filed back to the deal.

Is it safe to put client identity and bank documents through AI?

On a business plan inside your own tenant, set up properly, it can be. Company accounts only, no training on your data, access matched to who works on which deals, and a short written policy on what may go in. Your aggregator’s and your own obligations decide where the lines sit.

Is this worth it for a brokerage our size?

If brokers are chasing documents instead of talking to clients, or deals stall waiting on paperwork, almost certainly. The audit will tell you honestly, and if a better checklist would do the job, I will say so.

How much of my team’s time does this take?

Minutes, by design. Ten for the survey, ten for an optional screen recording, an hour with the key people. Whoever runs operations spends two or three hours across the first fortnight.

Do we have to commit to the whole thing?

No. Every step is quoted on its own and you decide after each one. Plenty of businesses take the audit and one project, and stop there until they see it working.

Are you tied to a particular AI vendor?

No. I lead with Claude because I think it is the strongest all-rounder for business work today, and I work just as happily with Microsoft Copilot, ChatGPT or Gemini if that is what your team already uses. Everything is built so the model is one part you can swap.

Questions mortgage brokers ask me

Does ChatGPT or Claude train on my business data?

Not on their business plans: ChatGPT Business and Enterprise and Claude Team and Enterprise do not train on your data by default. On free and personal plans they can, unless each person turns it off, which is why business use belongs on a business plan.

Can AI send emails without me?

It can, if you let it. With the Gmail connector Claude can draft, send, reply to and forward email, but by default it asks for your approval before each of those. I leave that default on: AI drafts, a person presses the button.

Running a brokerage and doing the admin at night?

Tell me what you run, how many people, and what eats the most time. I will tell you honestly whether an audit is worth it.

Tell me about your business

Tell me what you're dealing with

Three lines is plenty. I reply personally, usually within a day, and the first call is free.