AI CRM and Compliance Software for NZ Mortgage Brokers
Custom-built software for NZ mortgage brokers and financial advisers. Automate document processing, client follow-ups, and compliance tracking. AI-powered, from $399. FMA-aware governance built in.
Why Mortgage Brokers Businesses Need Smarter Software
NZ mortgage brokers handle sensitive financial data under FMA oversight, so efficiency gains must never compromise compliance. Between client meetings, document chasing, and regulatory obligations, brokers lose hours to admin that doesn't generate revenue. Custom AI-powered software automates the routine while maintaining the governance controls your profession requires.
Document Chase Eats Your Day
Chasing bank statements, payslips, and ID documents across email, WhatsApp, and shared drives takes hours that should be spent advising clients.
Follow-Ups Fall Behind
After a client meeting, CRM notes, follow-up emails, and application tracking need updating. It's always the last thing done, if it gets done at all.
Compliance Documentation Burden
FMA and AML/CFT record-keeping requirements mean every interaction needs proper documentation. Manual compliance tracking doesn't scale.
What an effective website looks like for this industry
Based on real NZ industry research, sampled from 3 to 5 live websites in this industry plus the relevant regulator and association sources.
What it must do
- ✓Borrowing-power or repayments calculator that works on mobile, NOT email-gated
- ✓Online booking widget (Calendly, HubSpot Meetings, GReminders) for an initial 15-30 minute Zoom or in-person chat
- ✓Lender panel logos block (ANZ, ASB, BNZ, Westpac, Kiwibank, SBS, TSB, Cooperative, Heartland, plus non-bank Pepper, Resimac, Bluestone)
- ✓Scenario / use-case pages: first-home buyer, refinance, investor, self-employed, low-deposit, new-build, commercial, bridging
- ✓Disclosure statement page with FSP number, FAP licence, dispute resolution scheme, commission structure, conflicts, fees
- ✓Lead intake form asking stage, property type, deposit %, employment type, urgency
- ✓Insights / blog covering OCR, RBNZ commentary, LVR rules, KiwiSaver first-home withdrawal, CCCFA changes
Recommended package
Online Payments Website (Store)
$399+
Calculators, scheduling widget, lead intake, and Stripe checkout for engagement or refinance review fees all fit Store. Without a borrowing calculator and a booking widget, the site does not perform. Premium is overkill unless the brokerage runs aggregator-branded multi-broker pages or bilingual EN/ZH for the Auckland Asian buyer market.
Trust signals NZ customers expect
- FSP number of the entity (e.g. 'FSP 712111')
- FAP licence type (full FAP, transitional, authorised body) and the FAP name if operating under another's licence
- Dispute resolution scheme (FSCL, IFSO, FDRS, or FDR) with name + contact details
- Publicly available disclosure information accessible without engagement, including licensing status, scope of advice, fees, conflicts, complaints, DRS
- Commission disclosure with numeric ranges (e.g. '0.55% to 0.85% upfront, 0.15% to 0.20% trail')
- NZBN and registered company name, Privacy Act 2020 named privacy officer, AML/CFT reporting-entity status
Why this matters
Your borrowers Google 'how much can I borrow NZ' before they Google your name. If your site doesn't give them a number in five seconds, ASB and ANZ already have the lead. We ship the FSP number, FAP licence and dispute scheme on day one.
Custom Software Built for Mortgage Brokers
We use AI to rapidly build custom tools tailored to your business. Not generic SaaS, but software designed specifically for how you work.
Meeting Notes → CRM Draft
Client meetings are transcribed and structured into CRM-ready notes. Your adviser reviews and approves before saving.
Application Pack → Missing Items
AI scans loan application documents against checklists, flagging gaps as draft reminders for your team to review.
Fact-Find Organisation
Raw client data from forms, emails, and documents is structured into standardised fact-find formats.
Marketing Draft Generation
Blog posts, social media copy, and newsletters generated as drafts, never auto-published, always human-reviewed.
Disclosure & SOP Review
Internal policies, disclosure documents, and FAQs reviewed for clarity, consistency, and compliance alignment.
Internal Knowledge Assistant
A read-only AI that helps your team quickly find answers across policies, procedures, templates, and FAQs.
Custom Software Without the Custom Price Tag
Traditional custom development costs tens of thousands and takes months. We use AI to compress that into 48 hours, making bespoke software accessible to every small business.
What AI Can Do for Your Business
Each scenario is based on real NZ industry research, examining what existing tools already solve and where AI fills the gap.
You Became a Broker to Help People Buy Homes, Not to Copy-Paste Payslips
How AI extracts, verifies, and pre-fills application data from bank statements, payslips, and ID documents, giving brokers back 15+ hours a week.
Read scenarioThe First-Home Buyer Who Messaged at 9pm and Got an Answer
How AI captures and qualifies mortgage leads after hours: answering KiwiSaver questions, explaining LVR rules, and booking consultations while you sleep.
Read scenarioFour Compliance Documents Per Client, and You're Writing Them All by Hand
How AI drafts disclosure statements, scope of engagement letters, statements of advice, and AML risk assessments, cutting hours of compliance writing to minutes of review.
Read scenarioYour Client's Rate Is Expiring Next Month, and They Think You've Forgotten
How AI generates personalised rate comparison briefings for every client approaching a refix date, turning a 'set and forget' touchpoint into genuine ongoing value.
Read scenario200 Clients, One Broker, Zero Time for 'Just Checking In'
How AI helps brokers maintain personalised communication with their entire client book, from application updates to market commentary, without hiring a marketing team.
Read scenario30 Days to Pre-Approval Expiry, and the Client Has Gone Quiet
How AI tracks every pre-approval in your book, drafts personalised renewal nudges with refreshed rates and document requirements, and stops $80,000 in commission walking out the door each year.
Read scenarioWe Work Best With Businesses Like Yours
Our services are designed for small-to-medium businesses who want AI efficiency with proper controls.
- 2 to 10 person mortgage broker or financial advice office
- Already using Microsoft 365, OneDrive, or a CRM
- High document volume, lots of client follow-ups
- Want efficiency gains but need compliance controls
- Willing to maintain human review for AI outputs
What We Don't Do, By Design
These boundaries exist to protect you and your customers.
- AI won't provide financial advice or product recommendations
- AI won't auto-send communications to clients without review
- AI won't modify CRM records without approval
- AI won't access client financial data without proper gates
FMA is clear about what crosses the line. These boundaries protect you and your clients.
Built for NZ Financial Services
Our governance layer is designed for NZ Privacy Act, FMA guidelines, and AML/CFT requirements.
Privacy Act Compliance
Data handling aligned with NZ Privacy Principles, including minimisation and security safeguards.
FMA Guidelines Awareness
AI outputs never cross into regulated financial advice territory. Drafts only, human-approved.
Audit and Accountability
Full event logs, approval chains, and incident response procedures for regulatory review.
Let's Review Your First Workflow
In 45 minutes, we'll map one of your office processes and show you exactly how AI can help, safely, compliantly, and with full control.