The Lender Policy answer you needed yesterday.
For brokers tired of opening eight portals to answer one question.
Charli analyses 38+ Australian residential lender policies for you. Ask a client scenario by chat, mobile or email and get a structured guidance back, with the exact policy detail relevant to your deal.
No portal logins. No PDFs. No “let me get back to you.”
Receive a response within 2 minutes. No signup required.
What Brokers are saying about Cynario Policy.
We collect feedback from brokers across the country. These are their words, brought to life.
How we make sure Charli gets it right.
Other Policy Chabots you’ve heard of work by scanning PDF’s that are manually updated to find the closest answer in a single pass, often missing lenders and vital information that could impact your deal.
Charli is agentic, which means she doesn’t stop at the first pass. Instead of reading your scenario once and answering, Charli works through it the way a senior credit assessor would: checking the policy, checking it against the related conditions, double-checking edge cases like postcode restrictions or trust structures and only then, providing you with the guidance.
Authorised lender data, not the open web. Charli only references the latest lender data protected within an isolated environment that is updated in real-time. If the answer your looking for is not reference, Charli won’t make it up.
Updated continuously. When a lender changes policy, Cynario is the only platform that updates in real-time. This is due to our proprietary technology built specifically for the Australian mortgage industry.
You stay the broker. Charli gives you structured policy guidance to inform your scenario assessment. Your judgement, your client relationship, your submission. Charli never submits a deal.
We expect brokers to verify Charli’s responses against their own checks for any deal that goes to submission. We’re a research accelerator, not a replacement for broker oversight.
Trusted by 140+ MoneyQuest brokers. Integrated into Salestrekker 2.0
No credit card required. Cancel anytime.
Evaluate the entire scenario with Agentic DealFit.
Send Charli a scenario like:
“Self Employed, 88% LVR, applicant has 1 year ABN and 6 months GST.”
In one response, Charli tells you:
- Which of the 38+ lenders will look at it
- Where each one sits on LVR
- Who accepts the casual portion of income and at what shading
- Postcode-level eligibility for that suburb
- Trust structures accepted, with conditions
- Which alt-doc pathways apply
Still searching Lender Portals? Charli researched every available lender in seconds.
Agentic Policy Finder: Three Guided Research Journeys.
When you’re not sure how to phrase a policy query, Policy Finder gives you a structured starting point. Policy Finder offers three guided research paths: Client Scenario, Policy Topic, and Lender Comparison — each one helping brokers move from a vague question to a clear lender shortlist faster.
| Journey | Used When |
|---|---|
| Client Scenario | You have a specific client with multiple factors to assess |
| Policy Topic | You want to compare how all lenders treat a single policy area (e.g. casual income) |
| Lender Comparison | You’re choosing between two or three named lenders |
Where Charli Works.
Desktop
Deep policy research, side-by-side scenario comparison, chat history review.
Mobile
On-the-go scenario questions, client meeting follow-ups, quick lender checks.
Inbox-driven workflow, 2-minute agentic policy responses, no login required.
Live Postcode and Suburb Eligibility.
Cynario integrates live postcode eligibility criteria from supplied lender data, surfacing geographic and suburb-specific restrictions inside the same policy response.
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.