Who Owns the File Note When the AI Answers?
AI credit analysts like Quickli’s Jiffi answer policy across 45 lenders. Here’s how brokers use them without outsourcing Best Interests Duty evidence.
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Author: Jennifer Austin
No-Clawback Is a Best-Interest Question Now
ORDE, La Trobe and MA Money are scrapping clawback. Here’s how to factor it into lender choice without breaching your Best Interests Duty obligations.
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The 20% Speed Limit: How APRA’s New DTI Cap Rations Your High-Debt Files
APRA’s new cap limits DTI 6+ loans to 20% of new lending. Here’s how brokers sequence high-debt files, keep a fallback ready, and protect the pipeline.
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The Trust Lending Freeze Spreads: A 2026 Decision Tree for SMSF, Family Trust and Non-Resident Files After Macquarie and Firstmac
Trust lending in 2026: the four-band lender panel, decision tree, and BID steps for SMSF, family trust and non-resident files after Macquarie’s pause.
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Open Banking and ATO Data: The File Standard Quietly Replacing Payslip Verification – and What Brokers Should Rebuild First
Open banking plus ATO data is becoming the new mortgage file verification standard. Why it matters now and the 90-day adaptation steps for Australian brokers.
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