Technology that gives mortgage brokers an edge. Built in weeks, on models we own.
Custom tools, automations and platforms that let a brokerage out-run the aggregator CRM and the broker down the road. Built with AI agents, reviewed line by line by an engineer who still writes loans, hosted in Sydney. The same engineering for licensees, lenders, mortgage managers and aggregators.
Best fit: a brokerage, licensee or lender with a workflow that costs hours a week and needs software in under 90 days.
years shipping softwareyears shipping software: IGA, Greater Bank, Aussie, The Lending Lab
repositoriesrepositories; 33.7 MB of TypeScript across 32 pushed this year
systems in production we operate ourselvessystems in production we operate ourselves
Sydney-hosted, RLS on every tableSydney-hosted, row-level security on every table
Five doors into the same engineering.
Brokers and brokerages
Trail leaking to refinance and clawback. Hours a week in spreadsheets and aggregator statements. Compliance files that take longer than the loan.
We build trail, clawback and repricing tooling, aggregator statement ingestion and reconciliation, on-device compliance extraction, and brokerage dashboards.
Credit licence holders
Breach reporting, BID and responsible-lending evidence live in email and shared drives.
Evidence-file workflows as software, and reporting an auditor can re-run.
Private and non-bank lenders
The loan book is a spreadsheet. Arrears are tracked by memory.
Loan books, servicing and arrears engines, investor and borrower portals.
Mortgage managers and originators
Commission and RCTI processing by hand. Integrations that never get finished.
Portals, commission processing, ApplyOnline, LIXI and CDR integration.
Aggregators
The free CRM covers the middle but not the edges, so brokers buy tools anyway.
White-label modules, statement pipelines, module-level APIs.
Three kinds of work, all of it production software.
Broker tooling that pays for itself
Trail, clawback, repricing, servicing and lodgement.Trail, clawback, repricing, servicing and lodgement. The workflows that decide whether a book grows or leaks.
Document and data pipelines
Compliance files, statements, on-device extraction that never leaves your infrastructure.Compliance files, aggregator and commission statements, on-device extraction that never leaves your infrastructure.
Platforms, portals and integrations
ApplyOnline, LIXI, CDR, Equifax and aggregator statements.For licensees, lenders, mortgage managers and aggregators: ApplyOnline, LIXI, CDR, Equifax and aggregator statements.
Scope → Ship → Keys.
Speed comes from agents. Accountability comes from a named engineer.
Scope
Discovery in days, not months. We map the workflow, the data and the regulatory surface, and price a fixed build.
Ship
A working system in weeks for a focused automation. Agents build, one engineer reviews, you see running software every week.
Keys
The source, the data, the infrastructure definitions and the weights of any model tuned on your data. No runtime dependency on us.
Scaffolding · tests and golden masters · migrations and types · first drafts of UI, emails and PDFs · integration adapters
Credit, serviceability and pricing logic · privacy and retention · auth, MFA and RLS · production data migrations · anything touching a responsible-lending decision
Reviewer of record: Nick Clunes, ten years shipping software, senior mortgage broker.
We run our own software in production.We run our own software in production, and it is the reference build.
MyLoanBook
myloanbook.au →Trail book, at-risk clients, clawback exposure and repricing. What we built when nobody would.Trail book, at-risk clients, clawback exposure and repricing for mortgage brokers. What we built when nobody would.
- 67 hand-written SQL migrations, no ORM
- 660+ tests, golden-master money-math regression
- Row-level security on every table, mandatory TOTP MFA
- Byte-reproducible 12–13 page client PDFs
Ships no LLM, no embeddings, no OCR.The product ships no LLM, no embeddings and no OCR. The money math is deterministic PL/pgSQL.
We run our own operations on tools we built.
LoanCompli
Reads and verifies compliance documents for our own files, on models that run on our own hardware.
Commercial PowerHub
Runs eighteen servicing scenarios for our own commercial deals.
They are not for sale. They are how we know the work.
Three of the eight we build by.
- 01
Your data runs where your model runs: in Australia, on infrastructure you can name.
- 03
Rented models are swappable parts, never the engine. The deterministic core never calls an LLM.
- 07
You own the source, the weights fine-tuned on your data, and the infrastructure definitions.
Where your data sits, which model reads it, and who can explain the answer.
- Vercel syd1
- Supabase ap-southeast-2
- Fly.io Sydney
- Upstash Sydney
- Row-level security on every table
- Mandatory TOTP MFA
- Encryption in transit and at rest
- Backups with stated recovery objectives
- Stated per product: which model, which weights, where inference runs
- Open-weight models on hardware we control in our own tooling
- APRA CPS 234 and CPS 230
- ASIC REP 798
- Privacy Act automated-decision disclosure, 10 December 2026
- ISO 27001 and SOC 2 Type II on the roadmap
Nick Clunes has written software for ten years and loans for five. The tools on this site exist because he needed them on a Tuesday. Digital Broker Labs is what happened when other lenders asked for the same.
Best fit: a brokerage, licensee or lender with a workflow that costs hours a week and needs software in under 90 days.