Looksi

Warm, in-market flow

Underserved elsewhere. Looking for you.

Traditional lenders turn good borrowers away, and quietly overcharge the ones who stay. Looksi finds both — the ones knocked back, and the ones paying the loyalty tax — and places them with the lender who actually fits. Warm, in-market, already opted in. Often, that's you.

  • Warm, opted-in customers
  • Matched to your credit appetite
  • No integration required

Let's send the right customers your way

Twenty minutes, no cost, no obligation.

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Two flows

Two ways borrowers reach you.

  • THE REJECTED

    Declines

    Borrowers a traditional lender knocked back on the buffer rather than on credit. Near-prime, squarely in specialist appetite, and the higher-margin end of the flow.

  • THE OVERCHARGED

    Refinancers

    Prime borrowers hit by the loyalty tax — a rate that quietly drifted uncompetitive while they stayed loyal. Clean files, real equity, ready to move. Many reach us through our employer programs.

How the flow works

From someone else's no to your yes.

[ DECLINE // POLICY, NOT CREDIT ]

Most of these declines are the buffer, not bad credit. An ADI has to assess the customer at their rate plus three percentage points; you don't. The same borrower can be perfectly serviceable on a realistic buffer — their bank's box was too narrow, not their file.

[ DECLINE // POLICY, NOT CREDIT ]RA 18h 50m 22s // DEC +34° 44′ 10″
// SECOND LOOK

A serviceability gap, not credit stress.

Most of these declines are the buffer, not bad credit. An ADI has to assess the customer at their rate plus three percentage points; you don't. The same borrower can be perfectly serviceable on a realistic buffer — their bank's box was too narrow, not their file.

SYSTEM MATRIX // Policy decline intakeUniversal Looksi Link
Illustrative concepts — not live products
What we could build together

Beyond broking, commercial innovation.

There are commercial conversations we'd love to co-design with specialist lenders. The goal is simple: someone who had an average experience with a traditional lender should have a great one with you, which means speed and pricing that rewards them for staying.

  • Trail as a loyalty bonus

    The majors charge a loyalty tax. We flip it — trail shared back as a loyalty bonus, so staying is rewarded, not penalised.

  • Automatic LVR step-downs

    Rate step-downs that drop the rate automatically as equity builds, instead of waiting for the customer to ask.

  • Smart win-back

    Bringing a past applicant back to you at the moment they finally fit your policy.

  • Appetite-aware allocation

    Posting the volume you will write and the price you will write it at, so demand finds the lender whose appetite wants it. Blind by design: brokers see what is available, lenders never see each other.

These are concepts we are currently exploring.

  • Best Interests Duty — every placement is customer-first
  • Customer opt-in · no PII without consent
  • Eligibility evidenced by the originating lender's decline
  • Credit Rep 573517 · ACL 486112 (Purple Circle)

Commercial-innovation examples on this page are illustrative concepts, not live products.

Let's send the right customers your way.

Tell us your niche and appetite — we'll show you the flow that fits.

Start the conversation