Stacks by stage
What a brokerage has to have at each size, as roles rather than brand names. One tool per role, nothing overlapping, and a plain list of what each stage deliberately leaves out. Nothing has been tested yet, so no stack here names a product — what it gives you is the shape, and the whole field for every part of it.
3 roles
The lean starter stack
A broker writing their first loans, working alone, paying for everything personally.
- Somewhere the client lives
- Answering "can they borrow it?"
- Getting documents signed
57 products across these categories
5 roles
The small business stack
One to five people, at least one of them support staff, writing consistently.
- Somewhere the client lives
- A board every file sits on
- Collecting the documents
- Answering "can they borrow it?"
- The first structured capture
98 products across these categories
4 roles
The AI powered stack
A brokerage of any size deciding where AI earns its subscription and where it does not.
- Notes that write themselves
- Answering out of hours
- Reading a bank statement
- Moving data between systems
72 products across these categories
5 roles
The scaling stack
Past roughly 50 settlements a month, with brokers and support staff who have never met.
- One record of the client
- Lodgement that does not re-key
- The joins themselves
- Knowing what is actually happening
- Proving the file was compliant
65 products across these categories
5 roles
The operations stack
Whoever is accountable for the file being right, not for the file existing.
- Collecting and chasing documents
- Verifying who someone is
- Keeping the file for seven years
- Showing the file was compliant
- Talking to clients on the record
113 products across these categories
5 roles
The marketing stack
A brokerage that has capacity and needs the enquiries to fill it.
- Somewhere to land
- Something to capture with
- Following up without thinking about it
- Being visible between deals
- The years after settlement
85 products across these categories
Why no product names yet
A stack is a recommendation several deep, and the tools also have to work with each other — so one wrong role costs more than one wrong single-product verdict. Each of these names its products once every tool in it has been run in a real account for a working week and scored against the published criteria, with the monthly total confirmed in AUD.