Interactive example · Finance
A broker website that turns "how much can I borrow?" into a booked call
Nearly everyone who lands on a broker's site wants the same number, and most leave with a generic calculator result and no reason to call. Below, a fictional Geelong brokerage gives an honest estimate that shows its working, then collects the fact-find and documents a broker needs before the first conversation.
In short
A mortgage broker website tool estimates borrowing power the way lenders assess it, including a serviceability buffer, shows the deposit, LVR and likely LMI, and works out repayments. The borrower then completes a fact-find, uploads documents and books a call, and the broker receives the whole scenario before they speak.
Interactive demo: Borrowing power and fact-find for brokers
Live demo · Tobin & Reyes Home Loans, Geelong is a fictional business with sample data. Nothing you do here is saved or sent.
- Work out borrowing powerChange the income, expenses or debts and watch the estimate and the assessment rate respond.
- Move the deposit past 80%Adjust the price or deposit until the LMI flag appears or clears.
- Complete the fact-findAnswer a few questions and add a document. The checklist is built from your answers.
- Book a call and see the broker's sidePick a time, then switch to the broker view to see the scenario waiting.
Fictional · sample dataExample site · fictional broker, sample data and rates
Step 1 of 4 · Borrowing power
What could you borrow?
A quick, plain-English estimate. Change anything and the range updates as you go.
Estimated borrowing range
$675kto$720k
Assessed at 9.19%6.19% sample rate + 3% buffer · 30 yrs P&I
- Take-home income
- $10,999/mth
- Living costs (typical figure used)
- −$3,870
- Debts and commitments
- −$1,226
- Left for a loan repayment
- $5,903
How we estimate this
- Income after tax and Medicare levy, counting 80% of other income.
- Minus the higher of your living costs or a typical figure for your household.
- Minus debts: car repayments, 3.8% of card limits a month, and HECS-HELP at about 5% of the higher income.
- What's left is the most you could repay each month, tested at 9.19% over 30 years. The lower end adds 10% to living costs.
Lenders each use their own, more detailed policies.
General information only. It doesn't consider your objectives, financial situation or needs. An estimate, not a pre-approval or an offer of credit.
What moves this number
- Closing $10k of card limits+$50k
- Paying out the car loan+$55k
- HECS-HELP repaid+$50k
- Spending less (the typical figure is already used)No change
- One more dependant−$60k
- A $5,000 pay rise+$35k
The estimates in this demo are general information only. They don't consider anyone's objectives, financial situation or needs, and they're not a pre-approval or an offer of credit. Rates are samples, and no lender is represented. A real build is reviewed by the broker and their licensee before launch.
What you just used
Every screen is a decision about how the work runs
An estimate that shows its working
Income, expenses and debts are assessed at a sample rate plus a buffer, the way lenders test serviceability, and the assessment rate is shown. People trust a number they can see being worked out, and it sets expectations before the first call.
The details that move the number
HECS-HELP, credit card limits, dependants and car loans each change the estimate, and the tool says so. Borrowers learn why their number is what it is, and which changes would help.
Deposit, LVR and LMI in plain words
A deposit slider shows the loan-to-value ratio and flags when lenders mortgage insurance usually applies, with an indicative upfront costs block. First home buyers are pointed to the State Revenue Office for current concessions.
A fact-find, not a contact form
Employment, purpose, timeframe and existing approvals, asked in a few short steps. The broker starts the first call with the facts rather than twenty minutes of questions.
Documents requested once
Payslips for employees, tax returns for the self-employed, ID and bank statements, requested because an answer called for them, with the Credit Guide acknowledged in the same step.
A broker view that's ready to work
Each lead arrives with the scenario, documents received and outstanding, and automatic notes such as "self-employed: two years' returns" or "LVR 88%: LMI". Leads sit in a pipeline alongside the rest.
Built for you
Your rules, not a template's
Built for your brokerage, it would follow your process and your obligations:
- Your serviceability assumptions and sample rates, reviewed and updated by you
- Your fact-find, aligned to how you record best-interests information
- Your Credit Guide, privacy policy and consent wording, checked by your compliance team
- Documents collected securely, with reminders for anything outstanding
- Leads handed to your CRM or aggregator platform where an API allows
- Content pages for first home buyers, refinancers and investors that search engines and AI assistants cite
Connects to what you already use
Where a tool offers an API or a calendar feed, the build talks to it directly. Your data stays in accounts you own.
- Your CRM
- Aggregator platforms
- Calendly
- Microsoft 365
- Google Workspace
- SMS
- DocuSign-style e-signing
Custom tools, a white-label calculator, or a contact form?
Aggregators and calculator providers offer embeddable tools, and many brokers do well with them. Custom work makes sense when the tool is the start of your process, not a widget on the side.
| Criteria | Contact form | White-label calculators | Custom broker tools |
|---|---|---|---|
| Borrower gets a useful number | No | Yes, generic | Yes, with your assumptions explained |
| Fact-find collected | No | Rarely | Yes, in the same flow |
| Documents | Chased by email | Not included | Requested from the answers |
| Look and feel | Yours | The provider's | Yours |
| Broker gets the scenario | A name and phone | Sometimes the inputs | The full scenario and notes |
| Best when | Most clients come by referral and call directly | You need a calculator on the site quickly | Online enquiries are a real share of your pipeline |
How we'd build yours
Fixed price, agreed before we start
Map your first conversation
What you ask, what you need before you can help, and where leads drop out between enquiry and first call.
Fix the scope and the price
Calculators, fact-find, documents, booking and integrations in the first version, written down with one fixed price you approve before we start.
Review the wording with compliance
Every estimate, disclaimer and consent is reviewed by you and your licensee before launch. The tool gives general information; the advice stays with you.
Launch and measure leads
We track how many visitors get an estimate, finish the fact-find and book a call, so you can see what the tool is worth.
What moves the price
Custom work is quoted individually, at a fixed price, once the scope is written down. These are the things that make the biggest difference.
- Calculators
- Borrowing power and repayments first; refinance and investment tools add logic.
- Fact-find depth
- A short intake is quicker than a full best-interests fact-find.
- Document handling
- Secure upload with reminders adds storage and access controls.
- Integrations
- Your CRM or aggregator platform needs an API connection.
When you shouldn't build this
If most of your clients come by referral and pick up the phone, a clear website and a fast reply will do more than a set of tools. The same goes if your aggregator's calculators already do the job. Custom tools pay off when online enquiries are a real share of new business and too many of them never become a first conversation.
Want this, with your name on it?
Tell us how the work runs today. We'll reply within one business day with what we'd build first, what we'd leave out, and whether an off-the-shelf tool would serve you better.
Common questions
Lenders compare income against living expenses and existing debts, then test whether the loan could still be repaid at a higher rate. APRA expects lenders to assess at a buffer of at least three percentage points above the loan rate, which is why estimates are lower than people expect.
Lenders mortgage insurance usually applies when the loan is more than 80 per cent of the property's value. It protects the lender, not the borrower, and its cost rises with the loan-to-value ratio. Some schemes and professions have exemptions.
Yes. A guided online fact-find collects employment, income, expenses, debts, purpose and timeframe before the first call, with documents requested from the answers. The broker still verifies everything and gives any advice in conversation.
They're a useful guide, not an approval. Each lender applies its own policies, expense measures and buffers, so the real figure varies between lenders. A good tool shows its assumptions and says plainly that a broker will confirm.
Typically ID, recent payslips for employees, tax returns and notices of assessment for the self-employed, bank statements, and details of debts and assets. A contract of sale is added once a property is chosen.
More examples to try
All 16 examples- Accounting and bookkeeping practicesClient onboarding for accountants
- Conveyancers and property law practicesClient onboarding for conveyancers
- Custom home builders and renovatorsClient portal for builders
Last reviewed . The business in the demo is fictional; names, prices and bookings are sample data.