Borrowing power with its working
One engine applies tax, HELP, HEM and buffered repayments the way each lender does. Same inputs, same answer, assumptions visible.
Capacity & comparison
Numbers that compute the way lenders do.
Serviceability with the real rules: tax, HELP, HEM and the APRA buffer, applied per lender. Then a whole-of-panel comparison with reasons for, reasons against and every exclusion explained.
What you get
A comparison you can defend line by line.
Every lender, with reasons
The panel is ranked on eligibility, serviceability and cost, with reasons for and against each option and every exclusion named.
Scenarios without side effects
Test a lower loan, an 80% LVR or clearing a debt. Scenarios never quietly change the client's facts.
Best Interests Duty, supported
The rationale is grounded in accepted evidence, and choosing past the top rank requires a client-specific trade-off, written down.
From facts to recommendation
The working stays attached to the answer.
Facts feed capacity
Verified facts and evidence drive the calculation. Nothing is keyed twice, so nothing drifts.
The panel answers with reasons
Each lender's result carries why it fits, why it doesn't, and what it would cost over time.
You test the what-ifs
Controlled scenarios let you explore the client's options without disturbing the file underneath.
You decide, and it's recorded
Your selection freezes the evidence trace it was made on, ready for review and for the years after.
No model invents a number
Capacity and comparison come from calculation you can check line by line. The assistant may explain results; it can't produce them.
Changed facts void old numbers
A material correction marks every dependent assessment stale until it's re-run.
The trace freezes at sign-off
The evidence behind your recommendation is preserved exactly as you saw it.