For mortgage brokers
Know the security property before the valuation lands
A short valuation is an expensive way to find out something you could have suspected in advance. Look up the address first, see the estimated range and how confident the models are about it, and go into the application with your eyes open.
Before you submit
Type in the security address and you get an estimated value with a low and high band, a confidence rating that reflects how much the underlying models agree, the last recorded sale price and date, and a weekly rent estimate. If the contract price sits well above the top of the range, that is worth knowing while the client can still do something about it.
The confidence rating does real work here. When independent models disagree, the band widens and the rating drops, which is a signal that the valuer's number could land anywhere in a wide window. That is the deal you follow up on rather than assume.
What a broker actually opens it for
Six things carry most of the value in broking work. The rest of the product is there when you want it.
Property report
FreeEstimated value with a low and high band, a confidence rating, last recorded sale and a weekly rent estimate, for any address.
Run the security address before the application goes in. A contract price sitting well above the top of the band is a conversation worth having while the client can still act on it.
Rent estimate and yield
EssentialsWeekly rent estimate with a confidence rating, plus gross yield against the asking or contract price.
The rental figure a client quotes is usually the one the selling agent gave them. Having an independent number before it reaches servicing saves a resubmission.
Cashflow analysis
EssentialsWeekly position after interest, rates, insurance, management, depreciation and tax.
Gross yield sells the property. The after-tax weekly number is what the client actually lives with, and being the one who showed it is why they call you for the next loan.
Portfolio tracking
FreeEstimated value and equity across everything a client owns, updated as the market moves.
Equity crossing a threshold is the trigger for a refinance or a second purchase. Seeing it before the client does is the difference between writing that loan and hearing about it later.
Stress tester
ProModel a rate rise across a whole portfolio and see which properties stop covering their costs.
A far better conversation to have in an annual review than after a rate announcement. It also documents that you raised it.
Reports for clients
AdvisoryProperty and suburb PDFs under your logo and contact block.
What the client receives looks like it came from your business rather than a website you happened to use, and it is dated evidence you can keep on the file.
Client roster
AdvisoryA shared list of clients your whole team can see, tracked through lead, active, under offer and closed, with a property shortlist per client pulled from PropRadar's listings and a branded PDF export.
The investor client buying their third property this year stays one record, not a thread you have to scroll back through to remember what they already looked at or where finance is up to.
Tier labels show the lowest plan that includes the feature. Everything below your plan is included too.
Investor clients, and the second loan
Most brokers write one loan for an investor and then wait to hear from them. The clients who come back are usually the ones whose broker stayed involved in the property side of the decision.
- Cashflow after costs and tax. Rent against interest, rates, insurance, management and depreciation, so the conversation is about the actual weekly position rather than the gross yield headline.
- Portfolio tracking. Estimated equity across everything the client owns, updated as the market moves. That is the trigger for a refinance conversation, and you get to it before the client does.
- Stress testing. Run a rate rise across the portfolio and see which properties stop washing their face. Better raised by you in a review than discovered by the client on a repayment notice.
- Borrowing capacity and rent versus buy. Free calculators you can run live on a call, including stamp duty by state.
Suburb signals that move lender appetite
Lenders take a view on postcodes, particularly where high density supply is heavy or vacancy is climbing. You will not find a lender's internal policy list here, but you can see the underlying conditions that tend to drive it: vacancy rates, stock on market, days on market, and where the suburb sits in its cycle, across 12,000+ suburbs.
Combined with 430,000+ sold records, it is usually enough to work out whether a security is ordinary for its area or an outlier, which is the question the valuation is going to turn on anyway.
Something to put on the file
Whatever your licensee asks you to keep, a dated property and suburb report is a straightforward thing to attach. Advisory exports them under your own branding, so the document a client receives looks like it came from your business rather than from a website you happened to use.
To be clear about what this is not: it does not assess suitability, generate a credit proposal, or make a recommendation. It is property research, and the judgement stays yours.
Where to start
Run an address you are working on right now through the property report, listed or not. If the range and confidence rating tell you something you did not already know, the rest of the product is worth a look. Plans and what each one includes are on the pricing page.
Questions brokers ask
Is this a valuation I can submit to a lender?
Does it replace my aggregator's software?
Can I send the reports to clients?
How does it help with an investor client?
Do you hold data on every property in Australia?
Is this compliance software?
Doing a different job?
Check an address before your next submission
The free account lets you run property reports and browse suburb data without a card. Most brokers work out inside a week whether the valuation range alone justifies a paid plan.
The free account has no time limit and no card required. Paid plans are month to month.