YMT Workbench
A set of AI tools for the Your Mortgage Team advisers — pre-check applications against lender policy, match clients to the panel, and answer policy questions, all with a citation back to the source for every claim. Penny is the AI assistant behind them — she does the heavy reading and the first-pass checking, so your advisers spend their time advising rather than trawling policy. Built this week on public lender information we collected ourselves, with your lender panel and your towns in it.
What’s inside
7 lenders · 5 demo applicationsApplication Check
Drop in a client’s application pack, pick a lender, and get a cited READY / NOT-READY pre-check before it goes to the bank.
- →Checks LVR vs the lender’s caps and the RBNZ speed limit, deposit & gift-letter rules, income treatment, DTI and missing documents
- →Penny writes the summary, then double-checks it and strips anything it can’t cite
- →Re-run against a second-tier lender to see the verdict change
Lender Match
Score a client across the whole panel — hard exclusions with cited reasons, then a ranked shortlist.
- →Deterministic scoring — fully auditable, no AI in the ranking
- →“Why it fits” and “watch out for”, each with a policy citation
Ask Penny
Ask Penny any lender-policy question in plain English and get an adviser-to-adviser answer with citations.
- →Searches the whole policy library and answers comparatively
- →Every specific claim links back to the public source
Fact Find Check
Turn a client’s situation into a precise, per-applicant document request — nothing missing, nothing unnecessary.
- →Driven by an encoded NZ document-requirements rulebook
- →Produces a ready-to-send (never auto-sent) client email
Policy Library
The grounding corpus — the public lender and regulator sources every answer and finding cites back to.
- →Browse by lender
- →Every citation in the app links straight here
Roadmap
What’s built in this demo, and where a production build goes next.
- →Trail integration, automation & inbox triage
- →Download the one-pager to take away
How it works
A rules engine does the maths
LVR, deposit, DTI, document completeness — all computed and checked in code against each lender’s criteria. Deterministic and auditable.
Penny explains it
Penny turns the findings into a clear, adviser-to-adviser summary or answer — she never invents the numbers.
Everything is cited & checked
Each claim links to a public source, and Penny double-checks her own output, removing anything she can’t back up.