Lender policy research, in the lender's own words.
Enter the scenario. Charli reads every lender's current policy documents, tells you who fits and who does not, quotes the line that decided it, and prices the ones that pass from live Open Banking data.
Counts towards your CPD with the MFAA and FBAA.
| Lender | Rate · comparison* | On policy |
|---|---|---|
| Bendigo Bank | 6.14% · 6.27%* | “Self Employed: Accept one year of self employed…” |
| ME Bank | 6.59% · 6.96%* | “Self employed lending, without the complexity Self…” |
| National Australia Bank | 6.69% · 6.69%* | “Self employed LVR 80% and below: The most recent lodged…” |
How the answer gets built
Ask
Type the scenario the way you would say it to a BDM. No form, no fields, no picking a lender first.
Match
Charli deconstructs the scenario, retrieves the relevant policy for every lender and assesses each one against it.
Quote
Every lender comes back with the policy wording that decided it, word for word, so the answer survives a file note.
Your policy research now counts towards your CPD.
Cynario is the first agentic AI platform in the Australian mortgage industry where researching and comparing lender policy earns you recognised CPD points with the MFAA and FBAA. The work you were already doing, now formally acknowledged as the professional development it always was.
Every lender assessed, not just the ones that came to mind.
Charli does not search for a keyword and hope. She breaks the scenario into the facts a credit assessor would use, retrieves each lender's current policy on those facts, and assesses every lender against them. The DealFit table is the result: who fits, who refers, who declines, and why.
- Match, Refer or Decline per lender, with the criteria that decided it
- The excluded lenders listed with the reason, so nothing is silently dropped
- Follow-up questions stay in the same scenario without re-running everything
When you know the lender and just need the line.
Ask about one lender and Charli answers from that lender's documents only, quoting the policy wording that decides it. The same verbatim policy extracts, the same PDF export, in a fraction of the time.
- Single-lender questions answered from that lender's own documents
- The exact policy extract, word for word, on every answer
- Export to PDF for the file, with the policy wording intact
| Question | Answer |
|---|---|
| Genuine savings at 90%? | 5% genuine savings, 3 months held |
Compare Lender Policies 45x Faster by Email.
How it works:
- Send an email with your policy question (e.g. "Which lenders accept foreign income?")
- Charli analyses the question against 40+ lender policies
- A structured comparison response is emailed back within 2 minutes
Exclusively available on Cynario.
Email a client scenario question
No signup required. Receive a response to your inbox within 2 minutes.
Live from the platform
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.
Questions brokers ask about Charli
How does Charli know the policy is current?
Lender documents are ingested continuously, from the portals and from the policy emails lenders send, so every answer is read from the policy in force today and quotes it word for word.
What about lenders with unusual policy?
Specialist and non-bank lenders are read the same way as the majors, which is why they show up when the majors fall away.
Does it give credit advice?
No. Charli reports what each lender's policy says, word for word. The recommendation is yours.
Does research count towards CPD?
Yes, with the MFAA and FBAA. The log is kept for you inside the platform.
What Brokers Are Saying About Cynario Policy.
We collect feedback from brokers across the country. These are their stories, straight to us.
Ask Charli your hardest scenario.
Aggregator-Agnostic by Design.
Cynario is a stand-alone platform and does not preference specific lenders or white-label products in its responses. Every policy response is generated based on the strength of the lender data alone. There are no commercial agreements with lenders that influence policy guidance and no aggregator panel restrictions on which lenders Charli evaluates.