Marshall is the AI compliance engine built specifically for Australian mortgage brokers. Every loan file is audited against a comprehensive NCCP checklist — and a detailed PDF report with severity-rated findings is delivered back in minutes, not days.
Australian mortgage brokers face a structural problem: regulatory obligations are increasing, but the compliance review process was never designed to keep up. The result is that the vast majority of loan files are submitted to lenders with little or no independent compliance check. This isn't negligence — it's a broken system.
A qualified compliance reviewer costs $150,000+ per year in salary alone. Each reviewer can only process two to three loan files per day — meaning even large brokerages can only afford to spot-check a fraction of their output. For small and mid-sized firms, hiring a dedicated reviewer is simply out of the question.
There are over 22,000 active mortgage brokers across Australia, collectively writing billions in new lending each year. The pool of qualified compliance reviewers is tiny by comparison. Even if every brokerage wanted to hire one, there aren't enough to go around. The industry has been structurally under-resourced for compliance for years.
ASIC has made it clear that enforcement of NCCP obligations and Best Interest Duty is a priority. High-profile compliance failures and licence suspensions have put the entire industry on notice. Aggregators holding Australian Credit Licences are increasingly mandating that their broker networks demonstrate compliance review at scale — and most can't.
The standard practice is to review 10–20% of loan files and assume the rest are fine. This sampling approach creates the illusion of compliance without actually catching issues across the full book. When ASIC audits, they don't sample — they look at everything. The gap between what brokerages check and what regulators expect is widening.
Marshall is designed to fit into how brokers already work. There's no new software to install, no portal to log into, and no training required. The entire process is built around the workflow brokers use every day.
Brokers submit their loan files through a frictionless process that integrates directly into their existing daily workflow. There's nothing new to learn and no change in how the team operates. Files are accepted in the formats brokers already use — PDFs, Word documents, spreadsheets, and supporting documentation bundles.
Marshall's AI engine processes every submitted file against a comprehensive compliance checklist covering all NCCP requirements. This isn't a surface-level scan or keyword search — it's a structured audit that reads and cross-references the full loan file, identifies gaps, inconsistencies, and omissions, and assigns a severity rating to every finding.
A detailed PDF compliance report is generated and delivered back to the broker. Each report includes specific findings organised by category, severity ratings (Critical, High, Medium, Low), exact references to what was found or missing, actionable remediation guidance for each issue, and an overall compliance assessment.
Marshall doesn't use generic AI to "look at" loan files. Every audit is run against a detailed, structured checklist built and continuously refined with active compliance professionals in the Australian mortgage industry.
Full assessment of whether the broker has demonstrably acted in the borrower's best interest. Includes verification of documented reasoning, evidence that alternatives were considered, and identification of any conflicts of interest.
Comprehensive review of the SOCA document — typically 15–40 pages — checking that every required section is present, complete, and internally consistent. Marshall verifies client details match across all documents.
Verification that the client's requirements, objectives, and financial situation are properly documented and reflected in the product selection. Checks that the recommended loan structure addresses stated needs.
Review of whether the broker has met their responsible lending obligations under the NCCP Act. Covers income and expense assessment, serviceability calculations, and documentation of financial enquiries.
Cross-referencing all submitted documents to ensure the full file is present and consistent. Checks for missing pages, verifies signatures and dates, confirms supporting documents are included and current.
Every finding is classified by severity level with specific remediation guidance. Critical, High, Medium, and Low — so brokers know exactly what to fix and how urgently. No ambiguity, no guesswork.
Most compliance tools are designed around a web portal that brokers are expected to log into, learn, and use regularly. The reality is that brokers are busy, they're out with clients, and they don't want another platform. Marshall is built around this reality — not against it.
Traditional compliance review takes one to three days per file. Marshall delivers detailed audit reports in minutes — turning compliance from a retrospective check into a proactive part of the loan process.
Marshall processes multiple files simultaneously. Whether a brokerage is submitting 5 files at month-end or 50, everything is processed in parallel. No queue, no waiting, no bottleneck.
The industry standard is to spot-check 10–20% of loan files. Marshall eliminates this gamble entirely. Every single file is audited to the same standard, giving brokerages genuine 100% coverage.
Brokers don't need to learn a new platform, install new software, or change their daily habits. Marshall meets them where they already work. Adoption is immediate because the process feels familiar.
Whether you're a boutique brokerage with 5 brokers or a national operation with 200+, Marshall scales without adding headcount. Your compliance capacity grows with your loan volume.
Loan files never leave your environment. Marshall's audit engine is designed to run within your own digital premises — borrower data is not transmitted to Marshall, and Marshall retains no copies of files or generated reports. The most secure architecture is the one where sensitive data simply never moves.
The Australian mortgage compliance market has three distinct categories of tools, each solving a different part of the problem. Understanding where each fits — and where each falls short — is critical for brokerages evaluating their compliance strategy.
Help brokers generate SOCAs and compliance documentation more quickly. They speed up the writing process but don't review what was written. If a broker makes an error or omits a section, these tools won't catch it.
Assist human compliance reviewers by highlighting potential issues. They improve reviewer productivity but still require a human in the loop. You still need to hire and retain qualified reviewers.
The only solution that performs a complete, automated compliance audit of every loan file without requiring a human reviewer. Reads the full file, runs it against a comprehensive checklist, and produces a severity-rated report.
| Capability | Write Faster | Review Assist | Marshall |
|---|---|---|---|
| Automated compliance audit | ✕ | Partial | ✓ Full |
| 100% file coverage | ✕ | ✕ | ✓ |
| No human reviewer required | ✕ | ✕ | ✓ |
| Severity-rated findings | ✕ | Partial | ✓ |
| Batch processing | ✕ | ✕ | ✓ |
| Minutes-fast turnaround | ✕ | ✕ | ✓ |
| Scales without headcount | ✕ | ✕ | ✓ |
| Consistent across all files | ✕ | Partial | ✓ |
Australian mortgage brokers operate under one of the most rigorous consumer credit regulatory frameworks in the world. The obligations are clear, the penalties are real, and the regulator is actively watching.
The National Consumer Credit Protection Act establishes the fundamental obligations for anyone providing credit assistance in Australia. Non-compliance can result in licence suspension, civil penalties, and criminal prosecution.
Since 1 January 2021, mortgage brokers have been legally required to act in the best interests of their clients. The BID is a positive obligation — brokers must be able to demonstrate compliance, not simply claim it.
ASIC has significantly increased surveillance and enforcement activity in the mortgage broking sector. Recent actions include targeted reviews, enforcement proceedings for BID breaches, and industry-wide reviews of loan file quality.
ACL holders are increasingly being held accountable for the compliance of their broker networks. For brokerages operating under an aggregator's ACL, demonstrating robust compliance review is becoming a condition of continued authorisation.
Whether you're a boutique firm or a national operation, Marshall gives you the compliance coverage you need without the cost of building a review team. Scale your audit capacity as your loan volume grows.
If you provide compliance review services to multiple brokerages, Marshall multiplies your capacity. Process more files for more clients without adding headcount. Deliver faster turnaround while maintaining comprehensive coverage.
ACL holders responsible for the compliance of large broker networks can use Marshall to ensure consistent audit standards across hundreds or thousands of brokers. Scale compliance review across your entire network.
Marshall reviews residential mortgage loan files including all standard supporting documentation — SOCAs, loan applications, needs assessments, income verification, and supporting correspondence. The system processes PDFs, Word documents, and spreadsheets in the formats brokers already use.
Individual files are typically reviewed in minutes. Batch submissions are processed in parallel, so submitting multiple files doesn't multiply the wait time. A brokerage submitting a month-end batch can expect all reports back in under 15 minutes.
No. Marshall is designed to integrate into the workflow brokers already use. There's no new platform to learn, no account to create, and no change to daily habits. Adoption is immediate because the process feels familiar.
Marshall performs the full audit autonomously, but many brokerages use it alongside their existing compliance processes. Some use Marshall as the primary audit and reserve human review for edge cases. Others use it as a quality assurance layer on top of existing manual review. The choice depends on your compliance strategy.
Marshall's checklist covers NCCP Act requirements, Best Interest Duty obligations, responsible lending provisions, SOCA completeness, needs assessment verification, documentation integrity, and aggregator-specific requirements. The checklist is continuously updated to reflect regulatory changes and industry developments.
Loan-file data never leaves your environment. Marshall's audit engine is designed to run within your own digital premises — borrower files are not transmitted to Marshall's infrastructure, and Marshall does not retain copies of files or generated reports on its end. For a compliance product handling sensitive PII, this is deliberate: keeping data on your side reduces risk surface rather than adding to it. Architecture details and deployment options can be walked through during a demo.
Marshall is designed to work with the tools and processes brokerages already use. For specific integration requirements, get in touch and we can discuss what's possible for your setup.
Reach out to learn how Marshall fits into your brokerage. We'll walk you through the process, show you a sample report, and explain how it works for teams of every size.
info@marshall-compliance.com