SIPHR
Siphr  /  Industries  /  Financial services  /  Mortgage brokers

Custom software for mortgage brokers.

Your brokerage runs on clients, deals and obligations. We model exactly that — then build the system that runs it, from enquiry to settlement, so pipeline, commissions and a defensible audit trail are properties of the system, not a spreadsheet you rebuild each month.

The problem

Your real process lives outside the aggregator CRM.

Fragmentation

CRM, deal sheet, compliance folder.

Client data, the deal pipeline and controls sit in separate places that don't line up. Nobody sees pipeline and commissions without stitching it together.

Workarounds

The pipeline is a spreadsheet.

Where each deal sits, and what it needs next, lives in a spreadsheet and the broker's head — not the system of record.

Compliance

The file, assembled at review.

Evidence a recommendation met Best Interests Duty is reconstructed later, not captured as the deal was written.

Blind spots

Commissions reconciled by hand.

Upfronts and trail are checked against statements in a monthly spreadsheet, so leakage is found late, if at all.

The Operating Model, applied

From your brokerage's reality to working software.

We model the entities your brokerage deals in and the rules that govern them — then engineer each into the Construct, the Shell and the Seer.

Clients & related parties
Every client, the parties around them, their documents and status in one place.
the Construct
Deals & lenders
Deals, their stages, and the lenders and products involved, tracked end to end.
the Shell
Credit process & gates
The credit process and its approval gates modelled explicitly — checks captured as they pass.
the Shell
Commissions & audit trail
Upfront and trail live, and a defensible audit trail as a property of the system.
the Seer
What changes

One model of your brokerage — so pipeline, commissions and the audit trail are properties of the system, not something you rebuild each month.

Questions, answered

Mortgage broking, specifically.

What kind of software does Siphr build for mortgage brokers?+
Custom systems built around how your brokerage actually runs — clients and their related parties, deals, lenders and products, the credit process and its approval gates, commissions and revenue, and the obligations that make a recommendation defensible — in one model, rather than an aggregator CRM, a deal spreadsheet and a compliance folder that don't line up.
How is this different from aggregator CRMs and off-the-shelf broker tools?+
Aggregator and off-the-shelf tools assume a brokerage like everyone else's and make you fit their structure, so your real deal process and controls end up in spreadsheets and checklists around them. We model your deal process, approval gates and rules first, then engineer the software directly from that model — so it fits on day one and the controls are part of the system rather than bolted on.
How does it handle Best Interests Duty and the compliance audit trail?+
Because the credit process and its approval gates are modelled explicitly, the record of why a recommendation was in the client's best interests — the options considered, the basis, and the checks passed at each gate — is captured as the deal progresses. The audit trail is a property of the system rather than something assembled under pressure.
Can it track the deal pipeline and commissions?+
Yes. Deals and their stages, the lenders and products involved, and the upfront and trail commissions attached are modelled as first-class entities, so pipeline, settlement forecasts and commission reconciliation are live rather than rebuilt in a spreadsheet each month.
Will it work with the tools we already use?+
Custom software does not mean replacing everything at once. We model where your brokerage's source of truth should live, then connect the systems that stay — aggregator platforms, lender channels, document management and accounting — so data flows instead of being re-keyed. What we replace and what we integrate is a decision we make with you.
How long does it take to go live?+
Because the software is engineered directly from the model, builds reach a working production system in weeks rather than quarters. Larger platforms grow from there, and we stay on as your brokerage and its obligations change so the software follows.
Is this viable for a small brokerage?+
Yes — that is our focus. We work with firms that have outgrown off-the-shelf tools but do not want the cost and risk of a large enterprise build. You get software shaped to your brokerage without an enterprise price tag or timeline.
Where is our data held?+
Siphr is based in Brisbane and builds for Australian firms. Hosting and data handling are set up around your firm's obligations, and residency, access and retention are decided with you as part of the build.

Let's model your brokerage.