A sovereign AI system earns its cost through the work you currently turn away, not through faster residential files. Enter your figures below and the model works out whether that holds for your book. Nothing is sent anywhere; the calculation runs in your browser.
Commission rates default to the MFAA range of 0.65 to 0.70% upfront. Override with your own aggregator's schedule.
Commercial, development, SMSF and anything with multiple entities or trading financials. The last field is the one that decides everything, so be honest with it.
Total analyst time per file across broker and support: fact find, statement review, structuring, lender research, submission and follow-up.
No hidden assumptions. Every figure above comes from the inputs you entered and the four formulas below.
Hours freed. Only the analysis portion of a file is affected. Client contact, negotiation and judgement are not.
Additional complex files. Freed hours convert at the rate you set, then are capped by the enquiries you are actually turning away. Capacity beyond real demand is worth nothing and the model refuses to count it.
Revenue. Upfront on the new files, plus trail accruing on the added book. Year one trail assumes settlements land evenly through the year, so roughly half a year of accrual.
Net position. Three years of added upfront and compounding trail, less the system cost and running costs. Financed cost uses a standard amortising repayment.
What is deliberately excluded. Clawbacks, aggregator splits, GST, referral fees paid out, and any assumption that residential volume rises. The model counts only the mix shift, which makes it conservative.