Industries/Financial services/Real estate
AI consulting for real estate and property finance
Property lending runs on files. A broker collects payslips, bank statements and tax returns and keys them into a lender's application. A credit analyst rebuilds the same borrower into a credit paper. The analyst then reads valuations, rent rolls and quarterly financials against the facility terms for the life of the loan. A landlord's team reads each lease to find the rent review, the option date and the outgoings the tenant pays.
Talk to our team →- Use cases
- Credit file assembly, Lease abstraction, Billing and receivables, Document search
- Runs on
- Your servers, on premises
- Connects to
- ApplyOnline, Simpology, Mercury, Salestrekker
- Rules cited
- 05, each with its source
- Decides
- A person, every time
Use cases
All use cases →Architecture
We build beside the software you already run
We build for private credit funds, non-bank lenders, mortgage brokers and aggregators, property fund managers and commercial landlords. The work takes the reading and retyping off those people. The AI prepares the file and shows the document behind each figure. A credit person makes every lending decision. Borrower files hold personal and financial information. The model runs on your own servers or in an Australian cloud region, and no file goes to a public AI service.
- SourcesApplyOnline / Simpology / Mercury / Salestrekker / PEXA
- Your serversCredit file assembly → Lease abstraction → Billing and receivables
- ReviewYour team
- OutputApplication packaging / Loan file preparation / Covenant monitoring / Valuations and settlement / Lease abstraction
The hours in real estate go to work that repeats
- 01
Loan applications
Payslips, bank statements, tax returns and ID collected from the borrower by email, checked and keyed into the application by hand.
- 02
Credit papers
Analysts building the credit paper from financials, valuations and broker notes, and chasing the documents that did not arrive.
- 03
Covenant reporting
Quarterly financials, rent rolls and valuations checked against each facility's covenants in a spreadsheet, loan by loan.
- 04
Leases and outgoings
Rent reviews, option dates and outgoings clauses read out of each lease, and the annual outgoings reconciliation worked by hand.
Services
All seven services →We take these jobs off your team
Application packaging
Client documents read into the fact find and set out for the application the broker lodges, with missing and expired items listed first. The broker keeps the recommendation and the notes behind it.
Loan file preparation
Borrower documents, valuations and searches set out in your credit paper template, with the source beside each figure. The credit person reviews the file and makes the decision.
Covenant monitoring
Borrower financials, rent rolls and valuations read against each facility's covenants every reporting period. A covenant close to its limit goes to the credit manager with the figures behind it.
Valuations and settlement
Each valuation checked against the loan file for the valuer, the date and whether the value is as is or as if complete. Settlement conditions tracked against the documents received, with gaps listed before the settlement date.
Lease abstraction
Rent, reviews, options and outgoings read out of each lease into one register on your own servers, with each entry citing its clause.
- Rent, review dates, options, make good and outgoings clauses taken from each lease into one register, with the clause shown beside each entry.
- Ask which tenants in a centre have a relocation clause and get the leases that say so.
- Scanned leases and older leases with handwritten amendments are harder to read than recent PDFs. We quote that as a separate piece of work.
- A private model on your own servers or in an Australian cloud region. The leases and loan files it reads stay inside the business.
Rent and outgoings
Rent invoices and outgoings recoveries checked against the lease before they go out of your property or accounting system.
- Rent charged at the rate that applies after the last review, taken from the lease register.
- Outgoings recoveries split across tenants by the share each lease sets out.
- The annual outgoings reconciliation drafted from the budget, the actual spend and each lease, for the property manager to check.
- Arrears followed up on a schedule in your own words, with a person approving every message before it goes.
Register
Real estate runs under its own rules
- 01ASIC ↗
Best interests duty
Mortgage brokers must act in the best interests of the consumer under s158LA and s158LE of the National Credit Act. The duty started on 1 January 2021 and covers credit for personal, domestic or household purposes or for buying or improving residential investment property. ASIC expects the broker to keep records of the options given, the recommendation and the reasons for it.
- 02ASIC ↗
Responsible lending
A credit licensee makes reasonable inquiries about the consumer's requirements, objectives and financial situation, and takes reasonable steps to verify that situation. The inquiries fall within 90 days before the assessment, or 120 days for a home loan. A consumer who asks for a written copy of the assessment that the loan is not unsuitable gets it free of charge.
- 03ASIC ↗
Private credit funds
ASIC reviewed 28 private credit funds from October 2024 to August 2025 and published Report 820 on 5 November 2025. Five wholesale funds valued collateral for some loans as if complete rather than as is. One retail fund valued its real estate collateral once every 42 months in ordinary circumstances. ASIC's 2026 surveillance covers fees, margins and conflicts in wholesale funds, including those that focus on real estate lending.
- 04NSW Small Business Commissioner ↗
Retail lease disclosure
In NSW the lessor gives the lessee a written disclosure statement at least seven days before a retail lease is entered into. The lessee then has seven days to return its own disclosure statement or ask for more time. Each state has its own Retail Leases Act, and Victoria sets different timeframes.
- 05AUSTRAC ↗
AML/CTF reforms
Parliament passed the AML/CTF Amendment Bill 2024 on 29 November 2024. AUSTRAC regulates real estate professionals, conveyancers, lawyers and accountants for the services it names from 1 July 2026. Changes to program and due diligence requirements for businesses AUSTRAC already regulated started on 31 March 2026, unless the transitional rules defer them.
Questions
Can AI approve a loan?
No. What we build prepares the file, with the documents read, the figures set out and the gaps listed beside their source. A credit person makes every lending decision, and a broker still makes and records each recommendation.
Where do our borrower files and the model sit?
On your own servers or in an Australian cloud region, inside an environment you control. No borrower file or lease is sent to a public AI service. Under APP 8, the Privacy Act generally makes a business accountable when an overseas recipient of its personal information breaches the Australian Privacy Principles. We design the build so that the information stays in Australia.
How does this fit responsible lending and the best interests duty?
We build the file around the records ASIC describes. The file keeps the inquiries made, the documents that verify them, the options given and the reasons for the recommendation. Each item carries the date it was collected. Whether a loan is not unsuitable, or a recommendation is in the client's best interests, stays a judgement for your credit and compliance staff.
We already use ApplyOnline, Simpology or Yardi. Do we need to change?
No. What we build reads from the systems you already run and prepares work for them. We will tell you in discovery if one of those systems is the constraint.
Where we do this work
Sydney / Melbourne / Brisbane / Perth / Adelaide / Gold Coast / Canberra / Newcastle / Hobart / Darwin
More in financial services
Finance / Banking / Insurance / Accounting / Audit / Asset and wealth management / Payments and fintech
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