Mortgage Choice has rolled out an AI-powered policy search tool designed to help brokers navigate increasingly complex lender policy faster and with more confidence.
Embedded in the group’s proprietary Lending Toolkit platform, the tool lets brokers pose natural‑language questions about tricky scenarios and scans more than 5,000 residential policy pages to surface clear answers and links back to source documents.
Developed with input from a pilot group of Mortgage Choice brokers, the tool is positioned as the next step in the aggregator’s AI strategy following secure access to Google Gemini in 2025 and the launch of the Mortgage Choice AI Academy.
Nicole Devine (pictured), executive general manager product & technology in REA Group’s Financial Services business, said the project started with a simple brief: “how can we use AI to do the heavy lifting to make scenario research seamless? And how can we make the user experience as intuitive as possible for brokers?”
Early feedback from the pilot suggests the tool is already having an impact on day‑to‑day operations. According to Mortgage Choice, one broker reported it cuts their research time “from hours to minutes”, particularly on complex policy combinations that might otherwise require multiple calls or emails.
Mortgage Choice broker Caroline Jean Baptiste said the development process showed the group was listening closely to broker needs.
“Being part of the pilot group for the policy search tool made it clear that Mortgage Choice is investing in the right areas of AI,” she said, adding that the product team was quick to incorporate broker feedback on interface and output.
For front‑line brokers juggling first‑home buyers, refinancers, and property investors, the key advantage is faster, clearer guidance on which lenders are viable for a given scenario.
As Jean Baptiste explained, “it looks at policy across multiple requirements to help you narrow down your options when trying to match a lender with a scenario,” and then sorts results into lenders that fit, alternatives and those that will not work.
The policy search tool sits alongside a growing suite of AI features inside Lending Toolkit, including custom Google Gemini “Gems” for compliance review, document verification, strategic retention, and company financial analysis.
Devine said, “over the last year, we've been focused on delivering AI solutions that help brokers save time and enhance the customer experience, and we’re seeing great results so far,” with brokers reporting meeting handovers that once took an hour now take minutes, and compliance checks trimmed by around 30 minutes per application.
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