Is my data stored in Australia?

Yes. Your data is stored exclusively in australia-southeast1 (Sydney), with no offshore replication. AI features process the relevant content overseas (currently the United States) under a data processing agreement, disclosed under Australian Privacy Principle 8. Aside from that AI processing and a few overseas subprocessors (such as Stripe, SendGrid and Twilio), your data stays resident in Australia.

What is AI lead scoring?

Automated APRA 2026 compliance analysis including DTI (debt-to-income) ratio, LVR (loan-to-value ratio) assessment, and employment verification. Leads are graded A to F instantly so you can prioritise your pipeline.

Can I customise branding per brokerage?

Yes, each organisation gets custom colours, logos, and portal domains. Partner portals can be white-labelled so your referral partners see your brand, not ours.

How does the partner portal work?

Create white-label lead capture forms for referral partners. Leads flow directly into your pipeline with AI scoring applied automatically. Partners see a branded portal; you see everything in your CRM.

Is CRMandGo NCCP compliant?

Yes, built from the ground up for National Consumer Credit Protection Act compliance with full audit trails. Every action is logged with timestamp, user, and IP address to satisfy regulatory requirements.

Can I migrate from my current CRM?

Contact our team for assisted migration. We support data import from major platforms and will work with you to ensure a smooth transition with zero data loss.

When do the APRA 2026 changes take effect?

The new DTI caps and serviceability buffer changes are being phased in throughout 2026, with full enforcement expected by Q4 2026. Brokers should be ready by mid-2026 at the latest.

Does my CRM need to calculate DTI automatically?

Yes. Manual DTI calculations are a compliance risk because they're error-prone and lack audit trails. Your CRM should compute DTI from the financial data collected at intake and flag applications where DTI exceeds 6x.

What happens if I submit a loan with DTI over 6x?

It doesn't mean automatic decline. You need to document why the application is still appropriate for the borrower. Your CRM should flag it for review and record the broker's rationale as part of the audit trail.

APRA 2026 Compliance Checklist for Australian Brokers

The Australian Prudential Regulation Authority's 2026 framework introduces tighter debt-to-income (DTI) caps, revised serviceability buffers, and new reporting requirements that every mortgage broker needs to understand. Whether you're a sole operator or running a team of 20, your CRM and operational workflows need to reflect these changes before they take effect.

What's changing in APRA 2026?

The core changes fall into three areas: DTI ratio enforcement (lenders must flag applications where the DTI exceeds 6x), a revised serviceability buffer (moving from 3% to a risk-weighted model), and enhanced data reporting that requires brokers to demonstrate compliance at the point of submission, not just at settlement.

DTI ratio caps explained

Under the new framework, any loan application where the borrower's total debt-to-income ratio exceeds 6x must be flagged for additional review. This doesn't mean automatic decline, it means the broker must document why the application is still appropriate. Your CRM should calculate DTI automatically from the financial data collected during the enquiry process and flag exceptions before submission.

Serviceability buffer changes

The flat 3% serviceability buffer is being replaced with a risk-weighted model that considers the borrower's employment type, income stability, and existing debt structure. Self-employed applicants may face a higher buffer than PAYG employees. This means your lead scoring and pre-qualification process needs to account for employment type from the first touch point.

What your CRM needs to do

A compliant CRM for 2026 should: (1) auto-calculate DTI and LVR at lead intake, not just at submission; (2) flag high-DTI applications with clear audit trails; (3) capture employment type early and apply the correct serviceability buffer; (4) maintain a complete audit log of every client interaction for regulatory review; and (5) store all data in Australian jurisdiction (Sydney region) to meet data residency requirements.

Checklist: 10 things to do before APRA 2026

Verify your CRM calculates DTI automatically from client financial data
Confirm serviceability buffer calculations account for employment type
Enable audit logging on all client record changes
Check your data is stored in an Australian data centre (not US/EU)
Review your lead scoring model, does it flag DTI > 6x?
Update your credit guide to reflect the new APRA requirements
Train your team on the new serviceability buffer methodology
Test your compliance reports, can you produce them on demand?
Review your aggregator's compliance toolkit for APRA alignment
Document your pre-qualification process end-to-end