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When the weather turns, experienced sailors don't guess. They check the instruments. Your lender shortlist deserves the same. #homeloans #brokerlife
Approved, scheduled
For Australian mortgage brokers
40+ lender policies. One cited answer.
Enter any scenario. Cynario's AI agents run it against every lender they read, price the ones that pass from live Open Banking data, and quote the policy wording that decided each one.
Winner 2026Innovator of the Year,
Broker Technology Platform
Broker Technology Platform
Policy research counts towards CPDwith the MFAA and FBAA
One scenario, run down every policy. Every lender is a column. Each rule is a test, and a column stops at the first test it fails. The count on the right is how many lenders are still eligible after that test. The ones that reach the bottom come back priced from live Open Banking data, each with the lender's policy wording quoted word for word. Pick a scenario:
Lenders still eligibleof 40+
- 1ABN held 12 months41
- 2One year of financials36
- 390% LVR, self-employed24
- 4LMI approved at 90%4
ANZ clears every test on this one
Fit on policy, priced live4
ANZ7.34% · 7.34%*“Lending Type Borrower type Principal and Interest Interest Only Owner occupied lending E…”
Bendigo Bank6.14% · 6.29%*“Self Employed: Accept one year of self employed financials under standard Credit Policy…”
Paramount“LO DOC 6 MONTH ABN: RESIDENTIAL Location NSW VIC QLD SA WA NT TAS ACT Regional Who is it…”
Victorian Mortgage Group“The borrower's ABN and GST registration must be at least 12 months old…”
Lenders still eligibleof 40+
- 195% LVR accepted35
- 2Casual income under 12 months30
- 3Genuine savings waived30
- 4LMI or scheme place23
ANZ and Macquarie and National Australia Bank and Westpac clear every test on this one
Fit on policy, priced live23
ANZ7.69% · 7.69%*“Owner occupied lending Borrower type Principal and Interest Interest Only Existing ≤ 95%…”
Macquarie7.34% · 7.37%*“Owner occupied purchases with principal and interest repayments 95% LVR inclusive of low…”
National Australia Bank6.69% · 6.69%*“Provide a Genuine Contribution towards the property purchase with Loan to Value Ratio (L…”
Westpac7.04% · 7.41%*“Owner occupied Non mortgage insured loan: 80% Mortgage insured loan: 95% inclusive o…”
AltX“This product is designed for customers who:…”
AMP7.29% · 7.69%*“Housing Purchase new or existing residential dwelling for owner occupation or investment…”
Auswide“Purchase Owner Occupied Residential Rural <10Ha with Residential primary use P&I N/A…”
Bank of China“Casual Employment Employment history: (1) Minimum 6 months employment history with curre…”
Bankwest6.94% · 6.97%*“Owner occupier — LMI…”
Beyond Bank6.34% · 6.69%*“First Home Buyer Loans (Australian Government 5% Deposit Scheme)…”
Brighten Homes“Full Doc Prime Brighten Empower Prime Full Doc home loans for Prime PAYG and self employ…”
Granite“Simple product requirements Property purpose Purchase a residential owner occupied prope…”
Great Southern Bank“Owner Occupied Purpose Purchase or Refinance 80% 95%”
Heritage7.04% · 7.04%*“Maximum LVR 95% (including LMI) for O/Occ or 90% (including LMI) for Investment LMI is p…”
ING6.89% · 7.17%*“Purchase of a new or existing residential dwelling ( owner occupied ) 95%”
ME Bank7.54% · 7.56%*“Purchase a new or existing residential property If FHB and Interest Only, max LVR remain…”
Mortgage Ezy“Acceptable loan purposes: Purchases of residential property for either owner occupation…”
MyState Bank6.44% · 6.47%*“Purchase Owner Occupied Residential P&I 80% 95% + LMI premium capped at 100% total (90…”
Pepper Money“Full Doc Purchase Max 95% LVR” “Full Doc Purchase Max 95% LVR” “Prime Home Loan Non conf…”
Resimac“Eligibility PAYG; Self employed… Loan purpose Purchase; Refinance; Debt consolidation;…”
Suncorp“Purchase an acceptable residential dwelling Term Loan/s (P&I from outset) 95% 80%” “Borr…”
Teachers Mutual Bank6.19% · 6.25%*“Maximum loan to value ratio (LVR): Up to 95% including the capitalisation of LMI and any…”
UniBank6.19% · 6.25%*“All Applicants: Australian citizen or permanent resident, at least 18 years old buying a…”
Lenders still eligibleof 40+
- 1Interest only accepted44
- 2Six or more properties43
- 3Servicing at 3% buffer43
- 480% LVR, investment32
ANZ and CBA and Macquarie and National Australia Bank and Westpac clear every test on this one
Fit on policy, priced live32
ANZ7.44% · 7.22%*“Investment lending New and existing (with DTI less than 6) ≤ 95% LVR ≤ 95% LVR” “Investm…”
CBA6.80% · 6.67%*“Product/Loan type/Loan purpose/Payment type Maximum Total LVR…”
Macquarie6.64% · 6.67%*“Loans with interest only repayments 80% LVR…”
National Australia Bank6.75% · 7.31%*“Investors can borrow up to 90% of the property's value with principal and interest repay…”
Westpac6.74% · 6.36%*“Criteria Loan Purpose Investment Property Loans Purchase or Refinance up to 95% LVR in…”
AMP6.93% · 6.88%*“Investment loan with up to 10 years interest only, no reassessment during the interest o…”
Auswide“Purchase Investment Residential Rural <10Ha with Residential primary use IO 80% 90%…”
Bank Australia6.84% · 6.87%*“Purpose Home and investment” “Maximum LVR for Investment 90%” “Interest only repayments…”
Bank of China“High density apartments (development with more than 35 units) or apartments for investme…”
Bank of Melbourne7.23% · 7.41%*“Interest only (IO) repayment — Where product is an Investment Property Loan 80% MI not a…”
Bank of Sydney6.79% · 6.60%*“Criteria Max LVR 90%2 Principal & Interest or Interest Only repayment options available”…
Bankwest8.27% · 8.30%*“Where an Interest Only (IO) period is applied for, and the loan purpose is Investment, t…”
Better Choice“Loan to Value Ratio: Maximum 80% LVR…”
Brighten Homes“Commercial Full Doc Commercial Alt Doc Lease Doc Loan Purpose Purchase, refinance or equ…”
Firefighters Mutual Bank6.79% · 6.87%*“Purpose Purchase or refinance…”
First Federal“Primary Loan Purpose Owner occupied purchase…”
Firstmac“Reason for loan: Purchase or refinance…”
Great Southern Bank“Investment Purpose Purchase or Refinance 80% 90%” “Purpose types Owner Occupied Invest…”
Health Professionals Bank6.79% · 6.87%*“Purpose Purchase or refinance…”
Heritage6.79% · 6.79%*“Maximum LVR 95% (including LMI) for O/Occ or 90% (including LMI) for Investment LMI is p…”
Hume Bank“Interest only: P” “Maximum initial Interest Only loan term is 5 years…”
ING6.59% · 6.53%*“Refinance up to 90% LVR with LMI Cash out can be positioned for investment purposes Up t…”
LaTrobe“Purchase or Refinance of Investment <\$5m…”
MA Money“Interest Only term. Up to 10 years for Residential Prime Investor at ≤80% LVR — priced o…”
ME Bank6.79% · 6.80%*“10.1 Maximum LVRs based on loan purpose Interest Only Loans Max LVR without LMI Max LVR…”
Mortgage Ezy“Investment Loans Principal and Interest or Interest Only Max LVR for I/O is 80% 80% NA”…
MyState Bank6.59% · 6.64%*“Purchase Investment Residential IO 80% 90% plus LMI premium $50 per month…”
Paramount“Who is it for? Owner Occupiers & Investors Repayment Type P&I or IO Loan Term 30 Years L…”
Pepper Money“Investment Property on rental income Acceptable at Max 80% LVR with loan amount not exce…”
Resimac“Interest only (investment) 1 yr 5 yrs 90%” “Product specifications O/O INV Max…”
Teachers Mutual Bank6.79% · 6.87%*“Purpose: Purchase or refinance…”
U Bank6.74% · 6.65%*“New 90% LVR no LMI home loan offering available from 30th October 2025…”
Rate · comparison rate*: each lender's lowest published variable rate for the scenario's loan purpose, repayment type and LVR, from Open Banking (CDR) product data, checked daily. General information only, not an offer of credit or a recommendation. *Comparison rate: a single rate that combines the interest rate with most upfront and ongoing fees and charges, to show the cost of a loan. Each is published by the lender and calculated on a secured loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Under a minutefrom typing the scenario to a cited answer
6 Nov, 2:29pmlast policy ingest, running continuously
12 cuts, 48 risesrate moves we picked up in the last 30 days
ANZCBAMacquarieNational Australia BankWestpacAltXAMPAustralian FinancialAuswideBank AustraliaBank of ChinaBank of MelbourneBank of SydneyBankfirstBankwestBendigo BankBetter ChoiceBeyond BankBluestoneBrighten HomesFirefighters Mutual BankFirst FederalFirstmacGraniteGreat Southern BankHealth Professionals BankHeritageHousehold CapitalHume BankINGLaTrobeMA MoneyME BankMortgage EzyMyState BankParamountPepper MoneyRedZedResimacSuncorpTeachers Mutual BankU BankUniBankVictorian Mortgage GroupANZCBAMacquarieNational Australia BankWestpacAltXAMPAustralian FinancialAuswideBank AustraliaBank of ChinaBank of MelbourneBank of SydneyBankfirstBankwestBendigo BankBetter ChoiceBeyond BankBluestoneBrighten HomesFirefighters Mutual BankFirst FederalFirstmacGraniteGreat Southern BankHealth Professionals BankHeritageHousehold CapitalHume BankINGLaTrobeMA MoneyME BankMortgage EzyMyState BankParamountPepper MoneyRedZedResimacSuncorpTeachers Mutual BankU BankUniBankVictorian Mortgage Group
What Cynario does, in under 3 minutes.
The work you already do every week, and what it looks like when an agent does the legwork.
| What you're doing right now | What it costs you | What it looks like with Cynario |
|---|---|---|
| Comparing lender policy across portals and PDFs for one client scenario | 15 to 45 minutes, usually between client meetings | Instant via chat, or 2 minutes by email |
| Writing and scheduling a 5-platform social campaign yourself | 90+ minutes you bill no one for | 90 seconds, published straight to your accounts |
| Drafting a blog article to support SEO and authority | 2 to 4 hours, which is why you haven't done one this year | Under 2 minutes, published to WordPress |
| Emailing a client with lender-specific policy detail | 20 to 30 minutes per email | Draft-ready in under 30 seconds |
It goes where the deal does.
The same policy answers, the same live rates and the same quoted policy wording, on the laptop in the office and the phone in the client's kitchen.
- Ask by chat, or email a scenario and get it back in about a minute
- Export any answer to PDF with the policy wording intact
- Ask from WhatsApp, or install to the phone home screen, no app store
A real answer
Self-employed, one year ABN, ninety per cent.
The kind of scenario that used to mean three portals and a guess.
Charli, lender policyLive rates
“Self-employed, 12 months ABN, 90% LVR, owner occupier. Who lends, and at what rate?”
| Lender | Charli | Rate · comparison* | On policy |
|---|---|---|---|
| Bendigo Bank | Fits | 6.14% · 6.29%* | “Self Employed: Accept one year of self employed financials under standard Credit Policy…” |
| ANZ | Fits | 7.34% · 7.34%* | “Lending Type Borrower type Principal and Interest Interest Only Owner occupied lending E…” |
4 of 40+ lenders fit on policy; the 2 lowest priced are shown. Charli's answer from the latest scheduled run.
Rate · comparison rate*: each lender's lowest published variable rate for the scenario's loan purpose, repayment type and LVR, from Open Banking (CDR) product data, checked daily. General information only, not an offer of credit or a recommendation. *Comparison rate: a single rate that combines the interest rate with most upfront and ongoing fees and charges, to show the cost of a loan. Each is published by the lender and calculated on a secured loan of $150,000 over a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.Your AI team
Specialists, not a chatbot in three hats.
Charli
Residential policy specialist
Reads current policy across 40+ lenders and answers the scenario, quoting the policy wording that decided it.
Alex
Marketing assistant
Writes and schedules social, blog and email content in your brand voice. You can even import your Google reviews to create and schedule content. Alex publishes directly to Instagram, Facebook, LinkedIn, Google Business Profile and WordPress.
Max Coming soon
Asset finance policy specialist
The asset finance counterpart to Charli. Max will analyse and compare asset finance lender policies for commercial, equipment and motor vehicle finance, applying the same DealFit intelligence to navigate eligibility requirements and lender differences in seconds.
Marketing
The other half of the job.
Every broker platform helps you answer the deal. Alex is the part that goes after the next one. She writes the post, the blog and the email in your voice, schedules a week of it in one sitting, and runs the campaign when the rate moves. Nothing publishes until you have read it.
- A week scheduled in one sitting. Social across your channels, drafted, queued and spaced, not five tabs and a Sunday night.
- Blog and email from the same brief. One rate move, one brief, three pieces of content that agree with each other.
- Campaigns that fire on the news. Mailchimp sync and an RBA trigger: the cut lands at 2:30, the campaign is drafted by 2:35.
- Review requests that actually go out. Asked at settlement, when the client is happiest, not three months later.
Alex, one sitting
One prompt. Spring shortlist week: something for socials, a blog for the site, and post Peter's review.
Blog and LinkedInWed 7:30
Know your grade before you ski. On the mountain, the colour of the run tells you a lot before you commit. Lender tiers work the same way.
Approved, scheduled
Google Business ProfileThu 12:00
"You made the whole process so simple. Thanks again." Peter Smith, five stars, posted with permission.
Approved, scheduled
Every piece lands in your chat first. Nothing publishes until you have read it.
Cynario has simplified the way we approach marketing at The Loan Brokers. From collecting client reviews to turning those reviews into professional content for social media and our Google Business Profile, it saves me a significant amount of time while helping us maintain a consistent online presence. Most importantly, it means I can spend less time creating content and more time focusing on our clients.
What does saving 25 minutes a day mean for you?
Enter your annual income to see what the time Cynario saves you is worth, planning, creating and scheduling your social media images, content and client reviews.
Based on 25 minutes a day saved planning, creating and scheduling social media images, content and client reviews.
- Your time is worth
- $46.30 an hour
- Time saved
- 8.3 hours a month
- Value of time saved
- $385.80 a month, $4,630 a year
- Return on Cynario
- 9.7x against plans from $39.95 a month
*Assumes an 8am to 5pm work day, Monday to Friday, with 4 weeks' annual leave: 2,160 working hours a year and 20 working days a month.
Recently shipped
Every one of these is live in the platform today.
Cynario Match
A live Open Banking rate beside every lender that passes policy, badged by source and filtered to the LVR of the deal in front of you.
40+lenders priced
Campaigns
Three months of marketing scheduled in one pass, into Mailchimp, with a standing trigger that fires on an RBA move.
3months per pass
Cynario Insights
The monthly broker-channel report lenders read, with industry comparison and deep dives on Insights Pro.
1,284scenarios last month
How the answer gets built
01
Ask
Type the scenario the way you would say it to a BDM. No form, no fields, no picking a lender first.
02
Match
Charli reads current policy across 40+ lenders, then prices the ones that pass from live Open Banking data.
03
Quote
Every lender comes back with the policy wording that decided it, word for word, so the answer survives a file note.
Start where you sit
Brokers
- Policy answers in the lender's own words
- Live rates inside the answer
- Marketing that runs itself
Broker groups
- Network volume and topic movement
- Lender visibility across the group
- Broker league tables
Lenders
- What the channel asks about you
- Where your policy lost the deal
- Your place against your set
I asked it the scenario I had been arguing about with a BDM for two days. It gave me the answer, the policy wording it came from, and the rate. In under a minute.
Ask it your hardest scenario.
Twenty-one days of the full platform, no card. Nothing is charged until you choose a plan.