ChatGPT Prompts for Australian Mortgage Brokers: Save Hours Every Week

The mortgage broking process involves a lot of writing — client emails, application narratives, lender correspondence, compliance documentation. AI can handle much of this drafting work, freeing you to focus on the relationship and judgement work that clients actually value.

These prompts are designed for the real tasks Australian mortgage brokers face. Always review AI output before using it professionally.

Client Communication Prompts

Initial enquiry response

"Write a professional, warm response to a new mortgage enquiry. The client is [describe — e.g. a first home buyer, someone refinancing, an investor]. They've asked about [their specific question or situation]. Include: a brief introduction, what the process involves, what information you'll need from them, and next steps. Keep it under 200 words. Sign off as [name], Mortgage Broker, [business name]."

Pre-approval congratulations

"Write a congratulations email to a client who has received pre-approval for a home loan. Pre-approval amount: [X]. Lender: [X]. Key conditions: [list]. Include: what pre-approval means, how long it's valid, what to do next (start house hunting, contact us before making an offer), and any important conditions to be aware of. Tone: warm and encouraging."

Conditional approval update

"Write a client update email for a conditional home loan approval. Conditions to be satisfied: [list conditions]. Explain what each condition means and what the client needs to do. Include the expected timeline for unconditional approval. Tone: professional and reassuring."

Unconditional approval

"Write an unconditional approval congratulations email. The client's loan has been formally approved. Loan amount: [X]. Lender: [X]. Settlement date: [X]. Include: what happens next, what the client needs to do before settlement, and any important reminders. Tone: celebratory but professional."

Settlement confirmation

"Write a settlement confirmation email to a client. Their property has settled today. Include: confirmation of settlement, key loan details (amount, rate, repayment amount), what happens next (first repayment date, how to access their account), and an invitation to contact us if they have any questions. Tone: warm and celebratory."

Refinance review invitation

"Write an email inviting an existing client to review their home loan. It has been [X] years since their loan was established. Key message: rates and products have changed, it's worth reviewing whether their current loan is still competitive. Include a call to action to book a review. Keep it concise — under 150 words. Tone: helpful, not pushy."

Application and Research Prompts

Application narrative — employment income

"Write an application narrative for a mortgage application. Borrower profile: [describe — e.g. PAYG employee, 5 years with current employer, stable income]. Loan purpose: [purchase/refinance]. Property: [describe]. Key strengths of the application: [list]. Keep it to 150–200 words. Professional tone for lender submission."

Application narrative — self-employed

"Write an application narrative for a self-employed mortgage applicant. Business type: [describe]. Years in business: [X]. Income verification: [describe — e.g. two years tax returns, accountant letter]. Key strengths: [list]. Address any potential concerns proactively. Keep it to 200 words. Professional tone for lender submission."

Explaining loan products to clients

"Explain the difference between [loan type 1] and [loan type 2] in plain English for a first home buyer with no mortgage experience. Cover: how each works, key benefits and drawbacks, and what type of borrower each suits. Avoid jargon. Keep it under 250 words."

Explaining the refinancing process

"Write a plain-English explanation of the refinancing process for a client considering switching lenders. Cover: why people refinance, what the process involves, how long it takes, what costs are involved, and what to consider before deciding. Keep it under 300 words."

Lender policy research prompt

"I'm researching lender policies for a client with [describe situation — e.g. casual employment income, recent credit default, self-employed less than 2 years]. What are the key considerations lenders typically look at for this type of borrower? Note: I will verify all specific policies against current lender documentation."

Compliance and Documentation Prompts

Needs analysis summary

"Draft a needs analysis summary for a mortgage client. Client profile: [describe]. Goals: [list]. Current situation: [describe]. Recommended approach: [describe]. This is a first draft for broker review — all specific recommendations will be verified by the broker."

Best interests duty documentation

"Help me structure a best interests duty record for a mortgage recommendation. Client goals: [list]. Options considered: [list lenders/products considered]. Recommended option: [X]. Reasons the recommendation is in the client's best interests: [list]. Format as a structured record for compliance purposes."

Difficult conversation preparation

"Help me prepare for a conversation with a client whose application has been declined. Reason for decline: [describe]. What I want to achieve: acknowledge their disappointment, explain the situation honestly, outline alternative options, and maintain the relationship. Draft talking points for each objective."

Tips for Better Results

Include Australian context: Mention specific Australian terms — LVR, LMI, offset account, redraw facility, FHOG — when relevant. This helps AI produce output that's appropriate for Australian conditions.

Specify the client's situation: The more context you give, the more relevant the output. "First home buyer, 28 years old, stable employment, 10% deposit" produces better output than "home buyer."

Review all figures: Never use AI-generated figures in client communications without verifying against current lender information. Rates, fees, and thresholds change frequently.

Build a prompt library: Save prompts that work well for your practice. Over time, you'll have a library that covers most common situations.