🏦 Mortgage Adviser AI Assistant · Live

A mortgage adviser's most expensive time
goes on the execution around the advice.

An AI system built for New Zealand mortgage advisers, covering 11 mortgage workflows: client intake, fact-find, document tracking, Lender Pack drafting, post-submission conditions management, settlement handover, and long-term back-book monitoring. Every outbound output goes only after the adviser approves it.

Book a Demo See the four-layer architecture

✓ Built for the NZ mortgage workflow ✓ Nothing goes out without adviser approval ✓ Ongoing back-book monitoring after settlement

Mortgage workflow · four-layer status Running

Layer 1 · Intake Active

Intake FHB first-home buyer · intake from 5 emails + 3 files

Evidence Payslip coverage short · document request drafted

Layer 2 · Submission 1 risk

Readiness Large unexplained expense · needs adviser sign-off

Tracker 4 items in progress · RFIs split and assigned

Layer 3 · Policy Update due

Policy ANZ self-employed income standard updated · 2 cases affected

Layer 4 · Re-engagement Ready

Monitor 12 settled clients in the 90-day review window

Estimate Repricing vs refinance analysis ready · awaiting adviser approval

11workflows

4layers

Alwaysadviser-approved

Execution bottlenecks

What eats your time over and over
is these four kinds of execution work

Which lender, how to structure the loan — advisers have that well in hand. What really drains the energy is intake, chasing documents, packaging the submission, chasing conditions and following up after settlement — redone on every case, and with several cases running at once it becomes systemic pressure.

Every new case

Client information is scattered, and just pulling it together takes half a day

Payslips in email, bank statements as WhatsApp screenshots, KiwiSaver in a PDF, the contract in Drive. Every intake means gathering it yourself, working out what's missing and flagging what's unconfirmed — and that's before you've even started on the loan structure.

Document tracking

Outstanding documents are rarely cleared in one go — chasing back and forth is the norm

The lender asks for documents in batches, clients are slow to respond, and new RFIs stack on top of old ones. Without a live view of document status, every case becomes reactive admin — you're chasing, not progressing.

Policy change

Lender policy keeps shifting, and memory can't keep up

Servicing calculations, self-employed evidence standards, cashback windows and exception-approval criteria are always changing. Without a policy layer that stays in sync, your judgement lags behind the current operating environment.

After settlement

When the fixed rate expires, the client contacts the bank first

Fixed term expiring, cashback clawback ending, a repricing window opening — without a system watching these moments, the adviser usually doesn't know and the client won't come to you. By the time you remember, the window may have passed.

System architecture

11 workflows,
arranged as a four-layer system across the mortgage lifecycle

Each layer solves one core problem; together they cover everything from the first enquiry to back-book management years later. Every workflow has clear inputs, outputs and boundaries.

LAYER 1

Application Build Layer

Build layer · from scattered information to a structured case

Intake

📥

SK-MT-01

Mortgage Lead Intake Organiser

Reads new client information from email, PDFs, screenshots, WhatsApp and more into a structured case record, flagging what's confirmed and what's missing — the single starting point for every workflow that follows.

📋

SK-MT-02

Borrower Fact-Find Builder

Turns scattered borrower information into a structured fact-find, spotting CCCFA expense signals, income conflicts and AML source-of-funds cues, generating a list of missing questions, and separating confirmed from unconfirmed facts.

🗂️

SK-MT-03

Document Checklist Coordinator

Tracks document status in real time — received, missing, expired, questionable, too weak — and drafts prioritised requests for outstanding items, sent once the adviser approves. Nothing is left in limbo without a clear status.

🔍

SK-MT-04

Application Readiness Review

A pre-submission scan of evidence freshness, AML compliance, conduct history, income consistency, source-of-funds strength and conflicting risk signals — with hard blockers and watch-items listed clearly, and no progress until the adviser confirms.

LAYER 2

Submission & Execution Layer

Submission layer · packaging, submission and conditions through to settlement

Execution

📝

SK-MT-05

Lender Pack Drafter

Drafts a lender-facing case narrative using confirmed facts only — income explanation, deposit source, self-employment background, gift structure. Unconfirmed information never enters the submission, and the draft is used only after the adviser reviews it.

📬

SK-MT-06

Post-Submission Tracker

Breaks RFIs, conditions and settlement-critical items into trackable tasks managed by owner, deadline and priority, with reminders that trigger automatically as settlement nears — so no case runs over time while waiting.

🤝

SK-MT-07

Settlement Handover Coordinator

Captures the final loan structure, repayment details, cashback clawback timeline, fixed-term expiry and monitoring triggers into a complete settlement record, and switches on long-term client monitoring.

LAYER 3

Market Intelligence & Review Layer

Policy layer · lender-policy sync and back-book scanning

Policy sync

📖

SK-MT-08

Lender Policy Library Maintainer

Maintains a policy knowledge layer for each lender — servicing calculations, self-employed standards, cashback windows, document requirements, exception-approval logic. Policy change is no longer something the adviser has to remember, but an information stream the system tracks automatically.

👁️

SK-MT-09

Ongoing Monitoring Review Engine

Continuously scans settled clients for fixed-rate expiry, clawback timelines, repricing windows, refinance timing and policy changes, producing a prioritised back-book review list that prompts adviser action.

📊

SK-MT-10

Repricing / Refinance Estimator

Before the adviser spends any time, it compares the economics of four paths — internal repricing, retention optimisation, a refinance switch, and structural changes — weighing clawback cost, switching friction, low equity and policy fit, rather than judging on a single rate difference.

LAYER 4

Client Re-Engagement Layer

Re-engagement layer · turning internal signals into client conversations

Re-engage

💬

SK-MT-11

Borrower Review Outreach Drafter

Turns the internal review signals from Layer 3 into controllable, sendable client outreach drafts. It opens on neutral facts (fixed rate nearing expiry, current market conditions, good timing) rather than a promise of benefit. Drafts go only after the adviser approves them; it never contacts clients automatically.

Four layers, one continuous cover — from the first enquiry to back-book management years after settlement, every point has an execution layer to catch the work, rather than a stack of isolated features.

Long-term value after settlement

Most tools stop at submission.
This one keeps working after settlement.

A settlement is the start of long-term client value. Fixed-rate expiry, cashback unlocking, a repricing window opening — without a system watching these moments, the client usually contacts the bank first.

Live policy sync

When lender policy changes, you don't have to chase it

The system continuously folds lender policy changes, pricing updates, cashback windows and servicing adjustments into its knowledge layer. Policy change is tracked and surfaced to you, rather than relying on the adviser's memory.

Opportunity spotting & costing

Know which client is worth contacting now, and why

Settled clients are scanned continuously: how long is left on the fixed term, whether clawback has ended, whether the repricing maths stacks up, whether the friction cost of a refinance is worth it — backed by data, not a hunch.

Keeping the relationship active

Start the conversation at the right time, before the client drifts away

Internal review signals become adviser-controlled outreach drafts that open on neutral facts (an expiry approaching, current market conditions) rather than a sales promise. Sent only once the adviser approves.

A completed case is a long-term client asset under ongoing monitoring,
not just a closed file.

What you actually get

Execution outputs
you can pull up any day

Seven structured work outputs the system produces continuously and you can grab at any time — no demo needed; they're generated every day once you're live.

📋

Client Loan Context

Client loan record

A structured borrower record built from scattered inputs, with confirmed and unconfirmed items clearly separated and sources traceable — the single starting point for everything downstream.

🗂️

Evidence Matrix

Evidence matrix

Shows in real time which documents are received, missing, expired, questionable or too weak, prioritised, with draft requests for outstanding items ready to send once the adviser approves.

✅

Readiness Summary

Pre-submission review summary

Lists hard blockers, watch-items and open questions before submission, graded by severity — no progress to submission until the adviser confirms.

📝

Lender Draft Notes

Lender Pack draft

A lender-facing case narrative built from confirmed facts only, professionally structured, used after the adviser reviews it. Unconfirmed information never enters the submission.

📬

Conditions Tracker

Post-submission conditions tracker

RFIs, conditions and settlement-critical items broken into trackable tasks managed by owner, deadline and priority, so no case runs over time while waiting.

👁️

Review Watchlist

Back-book review list

Prioritised, showing which clients are worth contacting now and within 30/60/90 days, with a first-pass repricing vs refinance estimate, ready to trigger outreach once the adviser confirms.

💬

Borrower Outreach Drafts

Client outreach drafts

Outreach emails, SMS drafts and call openers driven by the internal review logic, opening on neutral facts and containing no internal ballpark figures — sent only after the adviser approves.

Control & compliance boundaries

Guardrails first,
efficiency second

In NZ mortgage advice, one out-of-scope output or piece of non-compliant content can cost far more than the time it saved. Every key boundary here is a hard limit, not a suggestion.

⚖️

It doesn't make the lender recommendation for you

The system organises facts, drafts content, tracks conditions and monitors the back book. The final lender recommendation and suitability judgement are always the adviser's. That's a regulatory boundary the system won't cross.

🔒

Unconfirmed facts stay out of anything outbound

If key information hasn't been confirmed by the adviser, the system won't write it into a Lender Pack or any outbound document. Confirm the facts first, then generate the content — that order is enforced.

🚫

The adviser stays in charge of high-risk output

Tax structuring, legal advice, statements of approval certainty, promissory wording to borrowers — the system doesn't generate these automatically. They only proceed with the adviser's explicit approval.

📋

A traceable process that supports later review

Key fact sources, document status and workflow actions are all recorded in a structured way, so the adviser can trace back and run compliance checks. The process leaves a trail — it's not a black box.

🇳🇿

Designed for the NZ mortgage regulatory environment

Built around CCCFA expense-disclosure requirements, AML/CFT source-of-funds discipline, lender document standards and back-book review timing — for the NZ mortgage operating environment.

🖥️

On-premise deployment available

For teams with higher data-security needs, a Mac Mini on-premise option keeps sensitive client information off any third-party cloud. Flexible deployment, no compromise on compliance.

Managed Care

Lender policy changes,
and your workflow system should keep up

Lender policy shifts, servicing rules tighten, cashback strategies change and regulatory requirements update. Managed Care keeps the system aligned with the real NZ mortgage operating environment.

System upkeep, lender knowledge-base updates, workflow tuning and back-book monitoring adjustments are all on us. You don't need to be technical, and you don't need to track every policy change yourself.

The monthly fee covers hosting, maintenance and ongoing improvement,
a long-term operating partnership.

One-off setup fee (dedicated deployment)

$1,200 NZD cloud · $2,200 NZD Mac Mini on-premise

Managed Care monthly (hosting + maintenance + ongoing improvement)

Managed Care ⭐ $299/mo

Annual · 2 months free about $2,990/yr

Free trial · no credit card via WhatsApp / Telegram

See Managed Care details →

Need everyday office automation for email, calendar and finance? The General AI Assistant is a separate product, used on its own or alongside the mortgage system. Buy several together, install once, and each additional product is 30% off the monthly fee.

A mortgage adviser's most expensive timegoes on the execution around the advice.

What eats your time over and overis these four kinds of execution work

11 workflows,arranged as a four-layer system across the mortgage lifecycle

Most tools stop at submission.This one keeps working after settlement.

Execution outputsyou can pull up any day

Guardrails first,efficiency second

Lender policy changes,and your workflow system should keep up

Put the heaviest, most error-prone parts of mortgage workinto a system first