Best Australian Mortgage Broker Tools & Apps (Top 10 of 2026)

The Australian mortgage industry is evolving, and the right tools can turn challenges into growth opportunities for brokers. As technology continues to play an increasing role, the right apps are now essential for success. This directory features the most effective software to streamline your operations.

Explore solutions designed to simplify loan processing, communication, and compliance. Tailored to the Australian market, these tools are here to help you focus on what matters most – building client trust and growing your business.

Track My Trail

Track My Trail is a specialised platform developed for mortgage brokers, offering an easy yet powerful way to oversee and organise your trail book. With this tool, brokers can track monthly movements in trail income, allowing them to stay informed and in control.

The platform delivers clear visibility into where trail income is strengthening or declining. Brokers can easily identify clients who have paid down substantial loan amounts or made changes that affect income flow. This clarity supports better decision-making and proactive planning.

Track My Trail also records detailed client movements—highlighting gains and losses—so brokers always know their current position. It plays a key role in managing client relationships and preventing missed opportunities.

Beyond simple tracking, the software delivers insights that assist in shaping a stronger business strategy. From recognising behaviour trends to pinpointing growth opportunities, Track My Trail provides the data needed to enhance success as a mortgage broker.

Website: https://trackmytrail.com.au/

Bulma

Bulma is an AI-powered policy intelligence platform offering Australian mortgage brokers what fragmented PDFs and unreliable memory cannot: immediate, source-referenced answers to any lender policy question. The current process of policy research doesn’t scale. As brokers deal with more lenders and more complex scenarios, keeping up with every guideline, exception, and threshold becomes a daunting task. 

Documents are buried in portals, updates are delivered with little warning, and the fallout from mistakes – a rejected application or a dissatisfied client – is significant. Bulma addresses this challenge with a continuously refreshed database of current lender credit policies, along with a community-sourced collection of known exceptions. 

Brokers can ask questions naturally – “Which lenders accept casual income under 12 months?” or “What’s the policy on cryptocurrency as genuine savings with the big 4?” – and receive reliable answers, along with precise details on the referenced policy and the date it was last verified. Unlike general AI tools like ChatGPT, which may produce confident but inaccurate information, Bulma only provides data traceable to verified policy documents. 

This transparency lets brokers act with certainty or verify the source themselves. The exception database enhances the platform’s value by highlighting successful workarounds and conditional approvals. With Bulma, policy research is no longer a burden. 

Website: https://bulma.com.au/

PropVA

PropVA is an AI-based property portfolio intelligence platform built for mortgage brokers managing investment-focused clients.

The software ingests and analyses key property documents, automatically extracting, validating, and structuring data to calculate real-time yields, ROI, and equity positions across multiple properties. Interactive dashboards update continuously, providing a single source of truth for portfolio performance.

Designed for Australian compliance, PropVA includes financial year alignment, tax deduction tracking, and automated accountant-ready reporting—supporting efficient refinancing and portfolio analysis.

By automating data processing and calculations, PropVA removes spreadsheet dependency and elevates the quality of broker investment advice.

Website: https://propva.com.au/

BrokerEngine

BrokerEngine is a custom-developed workflow and automation solution created specifically for mortgage broking teams. It is designed to enhance the client experience while simplifying processes at scale. Unlike many other automation platforms, BrokerEngine was built with the distinct needs of mortgage brokers in mind, making it highly specialised for the industry.

One of the standout features of BrokerEngine is its ability to automate routine workflows and tasks, saving brokers significant time. By reducing manual workloads, teams can focus on more valuable client conversations and strategic responsibilities. This not only improves efficiency but also elevates the overall level of service provided to clients.

What makes BrokerEngine unique is its tailored design. Unlike generic tools, it understands the complexity of the mortgage journey and the specific obstacles brokers encounter. Each feature has been developed to align with industry best practices, providing mortgage teams with tools that enable seamless operations.

Additionally, BrokerEngine’s scalable framework ensures it grows alongside a brokerage business. Whether supporting a small team or a large enterprise, the platform adapts to changing requirements without compromising performance. This makes it a reliable long-term solution for mortgage brokers aiming to optimise workflows and deliver exceptional client experiences.

Website: https://brokerengine.com.au/

FinanceVault

FinanceVault offers a secure online platform to improve the document-sharing experience between mortgage borrowers and brokers. It allows users to upload the necessary documents for home loan applications in a secure environment.

The portal ensures complete security through cutting-edge encryption and unique access links, providing borrowers with confidence while collaborating with their brokers. FinanceVault simplifies the mortgage process by enabling quick document exchanges and minimising delays or mistakes.

Services Offered:

• Secure document uploads for home loan applications.
• Real-time monitoring of the mortgage process.
• Robust encryption to ensure data protection.
• Access granted only to authorised users through unique links.
• User-friendly on both mobile and desktop devices.
• Personalised assistance for document submission help.

Website: www.financevault.com.au

Sherlok

Sherlok is an automated platform designed for mortgage brokers to enhance client retention. By automating repricing and refinancing, it helps brokers keep their existing clients. Sherlok’s algorithms spot when clients are paying more in interest than necessary and automatically adjust their loans to offer lower rates, preventing client attrition. 

This enables brokers to grow their loan books without having to constantly attract new clients, as retaining current clients is more cost-effective. Sherlok helps brokers proactively manage and optimise rates for their clients.

Services Offered:

• Automated mortgage rate repricing and tracking for brokers
• Predictive analytics to evaluate client retention (Sherlok Retention Score)
• Automatic refinancing and repricing to retain clients
• Home Loan Spotlight Report providing insights on pricing and refinancing trends
• Custom tools to track interest rates and pinpoint refinancing opportunities
• Resources for brokers, including FAQs and demo videos

Website: https://www.sherlok.com.au/

Quickli

Quickli is a powerful tool designed to optimise the mortgage servicing calculation process for brokers. It consolidates over 30 different lender calculators into a single, user-friendly platform, allowing brokers to save time while ensuring accurate results. 

By integrating lender-specific policies into the calculations, Quickli simplifies the management of multiple calculators, making it perfect for more complex situations. 

With its traffic light system, brokers can quickly evaluate lender suitability, identifying matches, lenders requiring further analysis, and those that do not meet serviceability criteria. Automatic handling of HECS, rent, self-employed income, and product rates ensures a seamless experience.

Services Available:

• One platform with 30+ lender servicing calculators.
• In-depth lender policies, including DTI, LTI, surplus allowance, etc.
• Traffic light system to quickly assess lender suitability.
• Automatic calculation of HECS, rent, self-employed income, and additional living costs.
• Simplified servicing checks to save time and reduce manual work.

Website: https://quickli.com.au/

MaxID

MaxID is a leading provider of identity verification services in Australia, offering secure, legally compliant solutions for individuals, businesses, and organisations. Their services comply with strict regulatory requirements, including the “Safe Harbour” provisions under the AML/CTF Act, ensuring both convenience and reliability.

With 24/7 availability across Australia, MaxID allows users to verify their identity digitally through their phone or tablet, without needing physical appointments or app downloads.

MaxID supports a wide variety of clients, including lawyers, conveyancers, financial institutions, and online services. Their services include 100-point ID checks, certified copies of identity documents, and digital verification for industries like real estate, gaming, and cryptocurrency.

Known for its ease of use and affordability (starting at $0.40 per verification), MaxID provides real-time results. By working with an Australian law practice, MaxID offers certified identity verifications accepted in all Australian states and territories.

MaxID’s services are completely digital, removing the need for paper forms and manual processes. They place high importance on security and privacy, using encrypted systems and facial biometric recognition in full compliance with Australian privacy laws.

MaxID ensures fast, easy, and comprehensive identity verification solutions, whether for personal or corporate use. They also provide tailored services for enterprise branding and integration.

Services Available
For Individuals:

• 100-point ID checks within minutes
• Certified identity document copies
• Verification via phone or tablet, 24/7

For Businesses and Organizations:

• Digital, face-to-face, and paperless verification options
• AML/CTF-compliant verification for legal, financial, and online sectors
• Customisable branding and workflows for enterprises

Industry-Specific Solutions:

• Real estate and mortgage services
• Online gaming and sports betting
• Cryptocurrency exchanges
• Vehicle and equipment hire

Website: https://maxid.com.au/

DocuSign

DocuSign Australia offers a comprehensive platform for electronic signatures and contract management. Designed to streamline and digitise the process, DocuSign empowers businesses to create, sign, and manage contracts with ease, increasing speed and efficiency. 

With a strong emphasis on security and compliance, the platform meets high standards, gaining the trust of millions globally. Their solutions are tailored for industries like finance, government, and real estate, and are suited for small businesses, enterprises, and individuals alike.

Features Include:

• Electronic Signature (eSignature): A secure, intuitive solution for digital signatures on any device.
• Contract Lifecycle Management: Facilitates efficient contract drafting, review, and approval.
• Document Generation: Automates the creation of documents using pre-built templates.
• Workflow Automation: Optimises agreement workflows to enhance overall productivity.
• Identity Verification: Ensures secure signer authentication to prevent fraud.
• Agreement Analytics: Provides insights into contract data for informed decision-making.
• Storage and Management: Stores agreements securely on a reliable platform with easy access.

Website: docusign.com.au

BankStatements

BankStatements.com.au provides an efficient and secure solution for retrieving bank statements for lenders and brokers throughout Australia and New Zealand. The platform simplifies the collection of statements, reducing processing delays and ensuring precise submissions. With strong security, including 256-bit encryption and independent audits, it protects users’ data and ensures regulatory compliance.

This service supports credit providers in adhering to responsible lending obligations by offering features such as advanced income and expense verification, categorisation, and detailed living expense reports. These tools enhance lenders’ decision-making capabilities and speed up the application process.

Recognised for its innovation in data management, AI, and RegTech, BankStatements.com.au has become a trusted partner within the financial industry.

Key Services

• Bank Statement Retrieval: Instant access to statements via a referral link system.
• Income and Expense Verification: Ensures compliance with responsible lending through financial verification.
• Living Expense Analysis: Provides a detailed breakdown of monthly living expenses.
• Categorisation and Analytics: Offers valuable data insights for smarter, faster lending decisions.
• Security: Employs advanced encryption and independent testing to secure sensitive information.
• Customised Solutions: Tailored integration options for brokers and lenders.

Website: https://bankstatements.com.au/

LendFoundry

LendFoundry presents a revolutionary, cloud-powered platform designed to streamline every aspect of loan origination and servicing. It offers alternative lenders cutting-edge digital tools, including a Loan Origination System (LOS) and Loan Servicing System (LSS).

With AI and advanced analytics, these systems enable businesses to optimise margins, enhance risk management, and increase customer engagement.

By integrating with over 80 third-party providers, LendFoundry helps reduce operational expenses, improve portfolio quality, and speed up the lending process for businesses of any size.

The platform is based on a microservices architecture, which provides scalability and flexibility for lenders, supporting everything from automated underwriting to customizable back-office workflows.

In addition, LendFoundry offers features such as credit bureau reporting, business analytics, and customer self-service portals, ensuring businesses can provide personalised and smooth customer experiences.

Recognised for its innovative solutions, LendFoundry has received numerous industry accolades and holds certifications including ISO 9001:2015 and ISO 27001:2013.

Services Offered

• Loan Origination System (LOS): Automated or semi-automated loan origination, customizable for various loan types.
• Loan Servicing System (LSS): User-friendly interface for managing loan servicing operations.
• Business Analytics: Tools for spotting trends and making data-driven business decisions.
• Credit Bureau Reporting: Out-of-the-box reporting with easy credit bureau integration.
• Third-Party Integration: More than 80 APIs for seamless integration with external platforms and providers.

Website: https://lendfoundry.com/

Onyx IQ

Onyx IQ is a state-of-the-art AI-powered platform that aims to simplify and automate the loan management process for financing companies. The software enhances every aspect of the lending cycle, offering tools for origination, underwriting, and deal closures with increased efficiency.

The platform allows businesses to fully automate their operations, cutting back on manual labour and improving decision-making through data-driven insights.

Onyx IQ supports a variety of loan management activities such as loan portfolio management, underwriting, soft collections, and syndication, giving you a 360-degree view of your business in real-time.

Highly customisable, the platform enables businesses to create tailored scorecards and offers specific to their customer base.

Key Services Provided:

• Underwriting Portfolio Management: Streamlines the underwriting process using intelligent, data-backed tools.
• Loan Portfolio Management: Provides real-time tracking and comprehensive reporting of lending operations.
• Soft Collections Workflows: Efficient management of collections through automated templates and workflows.
• Syndication Management: Complete control and visibility over syndicated deals, payments, and reports.
• Broker Portal: Consolidates broker processes into a simple, single login platform.
• Customisable Decision Engine: Adjust scoring rules to match your business and customer needs.
• API Integrations: Seamless integration with your current business tools and platforms.

Website: https://onyxiq.com/

FileInvite

FileInvite is a secure, automated platform built to simplify and accelerate document collection, removing the inefficiencies associated with email.

This service is especially beneficial for industries like community banks, credit unions, hard money lenders, and other financial institutions needing to collect documents securely and efficiently from their clients.

By automating document workflows, FileInvite saves businesses time, improves operational efficiency, and reduces delays, ultimately speeding up the funding process.

FileInvite is trusted by thousands of organisations globally, providing faster document turnaround, improved customer service, and better insight into the progress of document collection.

The platform easily integrates with existing workflows and software systems, offering native integrations and API support for companies wanting to improve their document collection process without completely revamping their technology stack.

FileInvite is designed to enhance both customer and staff experiences with secure document handling, quicker collection times, and transparent processes.

FileInvite is SOC 2 Type 2 certified and compliant with GDPR, ensuring personal data is handled with the highest level of care.

Services Provided:

• Automated document collection and workflow management
• Seamless software and system integration via API
• Improved operational efficiency for faster processing of documents
• Secure document handling with SOC 2 Type 2 and GDPR compliance
• Better customer experience through streamlined and transparent processes

Website: https://www.fileinvite.com/