Broker AIOS.
Write the loan. Not the admin.
The AI Operating System for mortgage and finance brokers. Fact finds drafted, documents chased, lenders matched, every deal tracked to settlement, the compliant file built as you go, and every dollar of upfront and trail commission reconciled. You get back to writing loans.
You're paid to write loans. So why does the week look like data entry?
Count the hours in a broker's week actually spent advising a client and structuring a deal. It's a fraction. The rest is fact finds, chasing documents, re-keying data across the aggregator and the CRM, lender portals, file notes, compliance paperwork, and trying to work out whether the commission statement is right.
Your aggregator does some of it. Your CRM does some of it. Your sourcing system does some of it. None of them join up. And every gap between them is a deal slipping, a document expiring, or commission quietly going missing.
Broker AIOS augments your whole stack. It drafts the fact find. It chases the documents. It tracks every deal to settlement. It builds the compliant file as you go. It reconciles the commission. It fills every gap your existing software leaves open, so you can do what you're actually paid for.
Built by someone who has sat in the lender's seat and the broker's.
Brett Alegre-Wood was a mortgage broker. He helped establish Mortgage Ezy, one of the largest non-bank lenders to enter the Australian market, and ran its lending office. He sat on the board of the MIAA (the Mortgage Industry Association of Australia, as it was then). And he ran a mortgage brokerage in the UK alongside a property business that has sold over £1.5 billion of UK property.
This isn't a tech company pitching to brokers. It's an operator who has written the loans, run the lending office, set the policy and lived the commission cycle, turning the broking back office into AI because he knows exactly where the time and the money leak out.
What Broker AIOS actually does.
Fact finds, drafted
Client details, income, liabilities and goals go in. A complete needs analysis and fact find comes out, structured, consistent and ready for your review. No re-keying the same data across three systems.
Documents, chased for you
Payslips, bank statements, ID, contracts of sale, tax returns, BAS, rental statements. Broker AIOS knows what each deal needs, asks the client for exactly that, and keeps chasing until the file is complete, so you stop being a debt collector for paperwork.
Lender & product matching
Serviceability, policy niches, rates and lender appetite across your panel, narrowed to the products that actually fit the client, with the reasoning written up for your file. You make the call; the legwork is done.
Application & submission, packaged
Broker AIOS assembles the submission, drafts the file notes and prepares the compliance documents your jurisdiction requires, ready to push into your aggregator or lender platform. Your team checks and submits.
Pipeline tracked to settlement
Every live deal, every condition, every expiry date, watched. Conditional approval, valuation, unconditional, loan docs, settlement booking. Nothing stalls quietly. Nothing falls through.
Commission reconciled
Upfront, trail and clawback, tracked per deal and reconciled against your aggregator and lender statements. Broker AIOS flags what you're owed, what's short, and which loans are sitting in the clawback window.
Clients retained
Fixed rates rolling off, annual reviews due, refinance and top-up opportunities, discharge risk. Broker AIOS surfaces the trigger and drafts the outreach, so your trail book grows instead of leaking.
The compliant file, built as you go
Best Interests Duty, responsible lending, suitability, the file has to prove the advice was right, not just be right. Broker AIOS builds that evidence into the file as the deal progresses, configured to your jurisdiction.
Works with your existing stack
Your aggregator CRM, loan-origination platform and sourcing system stay exactly where they are. Broker AIOS plugs into what you already pay for, and fills the gaps every platform leaves open.
Every dollar you're owed. Upfront, trail and clawback.
Commission is your income and your trail book is your asset, yet aggregator and lender statements are almost impossible to reconcile by hand. Money goes missing. Clawbacks land without warning. Trail leaks as clients churn.
Broker AIOS tracks every dollar across the life of every loan, and tells you when something doesn't add up, before it costs you.
- →Upfront commission tracked per deal and reconciled against settled loan amounts
- →Trail commission tracked against the moving loan balance, month after month
- →Clawback exposure flagged, which loans are still inside the clawback window
- →Early-warning on discharge and refinance risk before the clawback hits
- →Aggregator and lender commission statements reconciled line by line
- →Referrer, partner and broker splits allocated automatically
- →A live view of what you're owed, what's been paid, and what's short
The full loan cycle. Nothing falls through.
From the first enquiry to settlement and beyond, every deal moves through the same stages, and every stage is somewhere a deal can stall, a document can expire, or a commission can slip a month.
Broker AIOS holds the whole pipeline so you don't have to carry sixty live files in your head.
- 01Enquiry captured and qualified, first response goes out while the lead is hot.
- 02Fact find and needs analysis drafted, documents requested from the client.
- 03Serviceability run and lender shortlist prepared with the reasoning for your file.
- 04Pre-approval assembled; supporting documents chased until complete.
- 05Application packaged, file notes and compliance docs drafted for submission.
- 06Conditional approval, valuation and lender conditions tracked to unconditional.
- 07Loan docs, solicitor coordination and settlement booking managed to the day.
- 08Post-settlement welcome sent, the loan logged into your trail book.
- 09Review, repricing and refinance triggers watched for the life of the loan.
Compliance, built into the file.
The modern broking file has to provethe advice was right, Best Interests Duty, responsible lending, suitability. Reconstruct that after the fact and you're exposed at audit.
Broker AIOS builds the evidence into the file as the deal progresses, configured to the market you operate in, and kept current through drift maintenance as the rules change.
- →Australia (ASIC / NCCP): Best Interests Duty, responsible lending, Credit Guide, Credit Quote & Proposal disclosure, MFAA / FBAA CPD
- →United Kingdom (FCA): MCOB, Consumer Duty, suitability assessment & record-keeping, ICOBS where protection is advised, network oversight
- →Singapore (MAS / ABS): TDSR and MSR limits, LTV rules, MAS notices and bank-panel disclosure expectations
- →The compliant file built as the deal progresses, not reconstructed at audit
- →Conflicted-remuneration and disclosure obligations tracked into every file
- →Configured to the jurisdiction you operate in, and kept current as the rules change
Built for brokers writing real volume.
Mortgage brokers
Residential brokers writing purchases, refinances and first-home-buyer loans who want the admin off their desk and the trail book protected.
Commercial finance brokers
Brokers structuring commercial property, business and development finance, where the document load and lender back-and-forth is heaviest.
Asset & equipment finance
Brokers writing vehicle, equipment and asset finance at volume, where speed of turnaround and clean files win the deal.
Diversified brokerages
Firms writing resi, commercial, asset, SMSF and personal lending under one roof, one operating layer across every loan type.
Sole operators
One-person broking businesses who are the salesperson, the processor, the compliance officer and the bookkeeper all at once. Broker AIOS gives you a back office without a hire.
Growing broker groups
Multi-broker firms and aggregator sub-groups that need consistent files, consistent compliance and a single view of pipeline and commission across the team.
What every Monday looks like.
You open one screen and see the whole business. The pipeline at risk. The documents outstanding. The commission that doesn't reconcile. The clients due for a review. No spreadsheets. No platform-hopping.
- 014 deals at risk: a valuation overdue, two documents expiring this week, one client gone quiet.
- 029 documents still outstanding across the pipeline, already chased this morning.
- 03Commission: 2 settled loans short-paid versus expected upfront, flagged for your aggregator.
- 043 loans entering the clawback window, discharge risk worth watching.
- 055 clients due for review: 2 fixed rates rolling off, 1 refinance opportunity, 2 annual check-ins.
Common questions.
Does Broker AIOS replace my aggregator CRM or loan-origination platform?+
No. Broker AIOS sits next to your aggregator CRM, sourcing system and loan-origination platform, and fills the gaps they leave open: document chasing, file-note quality, lender-matching write-ups, commission reconciliation and client retention. Your existing platform stays exactly where it is.
How is this different from a generic ChatGPT setup?+
ChatGPT is a chat box. Broker AIOS is a system, skills pre-built for fact finds, document collection, serviceability and your compliance regime; agents that wake up and chase the missing payslip; dashboards that show which deals are exposed and which commission is short; integrations with the platforms you already use. It runs by itself. It doesn't sit waiting for someone to type a prompt.
Will it actually understand broking regulation in my market?+
Yes. Broker AIOS is configured to the regime you operate in, Best Interests Duty and responsible lending in Australia, MCOB and Consumer Duty in the UK, TDSR and MSR rules in Singapore. It builds the compliant file as the deal progresses, so the evidence is there when you need it.
What happens when the rules or lender policies change?+
Drift maintenance is what we do. When a regulator updates its obligations, when a lender changes policy, when Best Interests or Consumer Duty guidance shifts, we ship the changes to your Broker AIOS, your team gets a briefing, and your files keep being built correctly.
Can it really track upfront and trail commission?+
Yes, this is one of the things brokers feel most. Broker AIOS tracks upfront, trail and clawback per deal, reconciles your aggregator and lender statements line by line, flags loans sitting in the clawback window, and shows you what you're owed versus what's been paid. The money that quietly goes missing stops going missing.
Do my clients know AI is involved?+
Up to you. Broker AIOS drafts and your team approves, every fact find, every client email, every file note passes through a human before it goes out. You can also configure it to send certain low-risk comms, like document reminders, directly.
How long does install take?+
The core install runs fast, we connect to your aggregator and CRM, pull your recent deal and commission data, train it on your process and your jurisdiction, and turn it on. Support then carries you through the first 90 days while your team becomes AI-first.
Who built this?+
Brett Alegre-Wood. Brett was a mortgage broker, helped establish Mortgage Ezy, one of the largest non-bank lenders to enter the Australian market, and ran its lending office. He sat on the board of the MIAA (the Mortgage Industry Association of Australia, as it was then), and ran a mortgage brokerage in the UK alongside a property business that has sold over £1.5 billion of UK property. Broker AIOS is built by someone who has sat in the lender's seat and the broker's seat.
What does it cost?+
Pricing depends on broker count, loan types and the platforms you run. We cover it on the audit call. Most brokerages land within productised AIOS pricing.
Get back to writing loans.
Free 60-minute audit. We'll walk a recent deal start-to-finish, every document, every file note, every commission line, and show you exactly what Broker AIOS would have handled.