For retail & commercial banks
Turn a ‘no’ into a new revenue line.
Many home loan applicants fall outside a single bank's policy or product. Hand the decline to Looksi instead of losing the customer — you keep earning, keep the relationship, and win them back later. Under Best Interests Duty, with no integration and no data leaving the bank.
- No engineering integration
- No PII leaves the bank
- Customer opt-in, under BID
When we can't serve them, we can — and we share it back.
- // 01DEPLOYMENT
Zero-code
Placed by your marketing team. It does not go on a product or engineering roadmap.
- // 02COMPLIANCE
Risk isolation
No PII transfers, no financial data ingestion, and we carry the liability.
- // 03REVENUE
Yield engine
A new revenue channel built from the customers you cannot serve.
You earn the application. You forfeit the loan.
Every month your funnel captures prime, high-intent applicants your policy or product cannot serve. Looksi makes sure a decline is not a dead end.
- $2,000+// SUNK ACQUISITION COST
Sunk before the mortgage is ever written — KYC, card mailers, cashbacks, servicing.
- $'000s// DEPOSIT INTEREST DRAG
Thousands in margin paid out as your customers save towards a deposit.
- 75%// FALL OUTSIDE PRODUCT OR POLICY
Most are declined by rigid policy and product limits — not a lack of creditworthiness.
- $0// RETAINED VALUE
When restrictive credit policies or narrow product ranges say no, your earned demand settles with a competitor.
// Indicative · based on partner-lender data
You place one link. We take it from there.
A single URL, placed by your marketing team in the decline journey. The customer opts in, and a licensed Looksi broker takes it from there.
- No engineering lift
- No product dependencies
- No PII or financial data transfer
- Pilot live in weeks
Hi Sam,
Thanks for trusting us with your home loan. We know how much work goes into pulling a deposit together.
We know this isn't the news you hoped for. It didn't fit our available offerings this time.
So we've teamed up with Looksi to help you find the path we couldn't.
Enter the Looksi Lane →Takes minutes · No credit check to start
Welcome to the Looksi Lane.
Your lender couldn't help this time, so they opened a path for you. We'll take a proper look at your situation and chart a way forward.
✓ No credit check to start
✓ No Looksi fees
Connect your accounts, safely.
Through Australia's Consumer Data Right we take a read-only look at your finances. Never your passwords, and never the ability to move money.
- Transactions & income ✓
- Liabilities & commitments ✓
✓ Bank-grade encryption · ✓ Read-only
Your consent, in plain English.
- ✓From here Looksi is your licensed broker, working in your best interests, not the lender's.
- ✓We only ever share what is needed to find a suitable match. Nothing more.
Finding your match
Evaluating 60+ lenders to find suitable products for your situation.
Explore recommendations →Welcome home.
Accept your match.
✦ Questions? Speak with Lyra
// Decline flow — originating bank
See what a ‘no’ is worth.
Looksi delivers a new, pure-yield channel funded by the lender that ultimately writes the loan.
Looksi rewrites the unit economics of a decline, turning a lost acquisition into pure-margin yield. $2,970 is the bank's 50% share of $3,600 upfront (0.60% × $600k) plus $2,700 trail (0.15% p.a. over three years), less a $180 clawback (10% of the upfront, shared 50/50). Illustrative, not a forecast.
Retail and commercial, served differently.
- // 01RETAIL
Decline recovery
The applicant your policy or product range cannot serve still needs a home loan. Hand them to Looksi and share what the loan earns.
- // 02COMMERCIAL
Your owners' home loans
Business owners are hard to serve on a retail credit policy. We place their home loan without touching the commercial relationship you hold.
We hold the liability. You hold the yield.
From the point of opt-in, Looksi's credit representatives are legally bound to act in the customer's best interests — not yours, and not ours. Your brand stays protected at the most sensitive moment of the decline experience.
The duty is on us.
From the point of opt-in, Looksi's credit representatives are legally bound to act in the customer's best interests — not yours, and not ours. Your brand stays protected at the most sensitive moment of the decline experience.
We know roadmaps and committees. We've sat in your chair.
With two decades each across commercial, risk, engineering, product, customer experience and growth, we know how hard it is to ship. That is exactly why our team built Looksi to need no integration.
Ruki De Silva — CEO
- UP
- FUTURE FUND
- TPO
- LICENSED BROKER
- CFA
// Focus: Customers, partners & regulations
Andrei Gridnev — CTO
- UP
- ANZ PLUS
- ENVATO
// Focus: Security, scale & compliance
Evan Simmonds — CPO
- UP
- REA
// Focus: Customers, brokers, safety
- Best Interests Duty — every placement is customer-first
- Customer opt-in · no PII without consent
- No engineering integration
- NCCP structure cleared by Herbert Smith Freehills
- Credit Rep 573517 · ACL 486112 (Purple Circle)
See what your decline curve is worth.
Send us your details and we'll walk your team through the numbers.