SandlabsSandlabs

AI for Mortgage Brokers - AI agents built for the way mortgage brokers actually work

Claude-powered agents that read loan applications, extract income and liabilities from bank statements, run compliance checks, and draft lender comparisons — so brokers spend their day advising clients, not moving data between PDFs and spreadsheets.

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Production mortgage products live
4+
Faster document review
95%
Applications processed per broker
5x
Price engagements
Fixed

Where mortgage brokers lose time today

  • Reading and summarising loan applications — income, liabilities, living expenses, employment — from 20+ pages of bank statements and payslips.
  • Chasing missing documents from clients and keeping lender requirement checklists current.
  • Running responsible lending checks and documenting the reasoning for every file.
  • Comparing 20+ lenders manually for each client — rates, LVR, serviceability, niche policies.
  • Follow-up sequences for clients mid-application and settlement coordination across solicitors, valuers, and lenders.
  • Writing and maintaining file notes, compliance records, and post-settlement reviews.

AI workflows for mortgage brokers - What we build for mortgage brokers

Every engagement is fixed price and founder-led. We scope, ship, and support — typically 2–8 weeks from kickoff to production.

  • Loan application assessment. Multi-agent systems that read full application bundles, extract structured data, flag risks, and produce a first-pass assessment a broker can review in minutes instead of hours.
  • Bank statement & payslip extraction. Intelligent document processing pipelines that classify income, identify recurring expenses, detect red flags (gambling, BNPL, missed repayments), and export straight into your CRM.
  • Responsible lending compliance. Claude agents that run serviceability and responsible lending checks against your lender panel rules, document the reasoning, and produce audit-ready file notes.
  • Lender recommendation engine. Agents that match a borrower profile against your aggregator panel, surface the top 3 lenders with rate, LVR, and policy notes, and draft the broker’s recommendation memo.
  • Client follow-up & nurture. Email triage, mid-application status updates, and settlement coordination — Claude drafts the message, a human approves, and nothing falls through the cracks.
  • Aggregator & CRM integration. Connect Claude into Mercury, Connective, Flex, AFG, Salesforce, HubSpot, or your own CRM via MCP servers — no rebuild of your tech stack.

Why Sandlabs - We build mortgage AI, not generic chatbots

Sandlabs has shipped 4+ production AI systems to Australian mortgage and fintech businesses — including a multi-agent credit assessment pipeline and document extraction tools processing real applications every day.

  • Production experience. We have working multi-agent credit assessment deployed in Australia, not slide decks.
  • Regulator-aware. We design for APRA, AFCA, Privacy Act and aggregator compliance from day one, not as an afterthought.
  • Claude specialists. We build on Claude for accuracy on long documents and nuanced reasoning — where GPT-wrapper tools miss.
  • Australian timezone. Melbourne-based, working Australian business hours. No overnight handovers to offshore teams.
  • Fixed price. One senior partner on every engagement. No account managers, no rotating juniors, no change orders.
  • Ships in weeks. Most mortgage workflows go live in 2–8 weeks. We scope for ROI, not 12-month transformation programs.
What does AI actually do for a mortgage broker?
AI reads loan applications and supporting documents, extracts the income, liabilities, and living expenses data a broker needs, runs first-pass serviceability and responsible lending checks, matches borrowers against lender panel rules, drafts recommendation memos, and automates client follow-up. The broker stays in the decision seat — AI removes the manual reading, data entry, and chasing.
Is AI for mortgage broking compliant with Australian regulations?
It can be, if architected correctly. We design every mortgage AI engagement for APRA, Privacy Act, and aggregator compliance from the start: Australian data residency, audit trails on every agent decision, human-in-the-loop for responsible lending sign-off, and documented reasoning attached to each file. A generic off-the-shelf chatbot is not compliant; a purpose-built agent with the right controls is.
How much does AI for a mortgage brokerage cost?
A focused workflow (for example, bank statement extraction into your CRM) runs $15K–$40K and ships in 2–4 weeks. A multi-agent loan assessment system runs $40K–$120K and ships in 4–8 weeks. Enterprise aggregator-level builds run $80K–$200K+. Most brokerages start with a Discovery Sprint ($5K–$15K) that produces a fixed-price quote before commitment.
Can AI integrate with my aggregator software and CRM?
Yes. We build MCP (Model Context Protocol) connectors that let Claude read and act on Mercury, Connective, Flex, AFG, Salesforce, HubSpot, or your own CRM. No rip-and-replace of your existing tech stack — the AI sits alongside what you already use.
Do you work with solo brokers or only aggregators?
Both. Solo brokers and small brokerages usually start with one high-leverage workflow (bank statement extraction or client follow-up). Aggregators and larger brokerages build broader systems — loan assessment, compliance, lender matching. We scope to the size of the business and the ROI available, not to a fixed template.

Further reading - Before you scope your AI project

The cost, scoping, and architecture questions we get most often — answered.

Let's build something great together.

Melbourne, Australia — serving founders worldwide. [email protected]

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