Make every loan application
your moment to shine
Halo Fortune is Australia's boutique Mortgage Manager — an intelligent credit partner built for independent brokers. The slowest, most repetitive, most draining parts of MM work — document handling, scenario review, compliance, submission — all absorbed by an invisible intelligent layer. You focus on what only you can do: deep conversations with clients, precise risk judgement, trust earned through craft — becoming the halo on your clients' investment journey.
- ✓ Best match: Halo Flex Alt-doc
- ✓ Just 1 year of financials + accountant letter — no BAS, no ITR, no NOA, no 2-year trading history
- ✓ 80% LVR + cash-out approved — no 6-month ownership seasoning
- ✓ Zero claw-back — trail protected from month one
Talk to Halo · live
The intelligence behind
every approved deal
Drop your scenario in. Halo answers with product fit, doc checklist and approval odds — same shape as the BDM call you'd otherwise be making.
Drag, drop, or paste files (PDF / images) · tap the mic to speak · ⏎ to send, ⇧⏎ for newline
Why brokers choose Halo
Smarter support.
Better outcomes.
Halo was built around the four things that keep independent brokers up at night — clarity before submission, time eaten by admin, structuring complex deals, and always knowing the next move.
Get approval clarity before submission
Scenario pre-checks show the path to approval — product fit, doc checklist, approval odds — before you ever submit. No more guesswork.
Reduce 70% admin work
Auto-parsed docs. Auto-filled applications. 70% of admin hours given back, so you spend time on conversations that close.
Increase approval success rate
Data-informed insights and lender matching for every scenario — clean structure before submission, higher hit rate when it matters.
Save hours on every deal
Halo absorbs the repetitive work; a human BDM steps in only when judgement matters. Hours saved per deal — enough to start the next one.
Intelligent copilot
A halo on every deal,
your time back for judgement
Every tool lives inside the Broker Portal — free for accredited brokers, no add-on subscription. Monthly release notes included.
- 101 · First enquiry
Scenario pre-check
Paste client details, get product match + doc checklist + approval odds in 30 seconds.
Core toolLive - 202 · Understanding the docs
Document parsing
Upload payslips, statements, or BAS — key fields auto-extracted straight into serviceability.
Live - 303 · Product match
Commission forecaster
Combines your pipeline with historical data to project the next 12–24 months of trail — plan income ahead.
BETA - 404 · Docs & compliance
Compliance letters
Bilingual SOA, advice letters, and follow-ups drafted for you — review and send, skip the compliance busywork.
Live - 505 · Submission
Lender match
Runs the scenario against Halo products and 40+ external lenders — ranks them with reasoning so you pick the best fit.
BETA - 606 · Always-on support
Halo Chat
Product, policy, and scenario questions answered 24/7 in English or Mandarin; complex cases escalate to a human BDM same-day.
Live
Tools at different stages: ● live · ◐ beta · ○ roadmap. Accredited brokers receive monthly release notes.
Product matrix
Built for real approval scenarios —
not just rates.
Each product line carries refined underwriting logic and clear doc requirements. Halo runs with you the whole way — including the complex scenarios that need a specialist.
Recent approvals
How Halo handles real scenarios
Updated weekly; client and broker names anonymised.
Halo Prime · OO
First home buyer · 2 applicants · Clean credit
Halo SMSF · Investment
SMSF LRBA · Melbourne inner east
Halo Construction
Knock-down rebuild · 5-stage progress draws
Anonymised real approvals; amounts rounded.
FAQ
The
8 questions brokers ask most
Straight answers, no fluff. Missing anything? Just ask Halo.
More questions? Just ask Halo.01Is Halo Fortune a bank?
Is Halo Fortune a bank?
No — we're not a bank. Halo Fortune is a Mortgage Manager holding Australian Credit Licence ACL 483923. In short: we deliver wholesale lending through the Halo Loan suite primarily to accredited brokers. Brokers are our main distribution channel and core partner.
02How is Halo different from Resimac, Pepper, or Liberty?
How is Halo different from Resimac, Pepper, or Liberty?
Large MMs like Resimac typically rely on big BDM teams and phone/paper workflows to manage a long tail of brokers. Halo takes the boutique path: fewer than 100 accredited seats, built around depth not volume. We run an intelligent online workflow so the system handles the repetitive work — our BDMs won't chase you by phone, they show up when you actually need judgement.
03How long does broker accreditation take?
How long does broker accreditation take?
Five minutes to complete the online form and e-sign. We review and respond within one business day. Once approved, you can submit your first deal the same day via the Broker Portal.
04What's included in the Halo toolkit?
What's included in the Halo toolkit?
Accredited brokers use these directly from the Broker Portal: (1) scenario pre-check (product + approval probability in 30 seconds), (2) document parsing (payslips / BAS / statements auto-extracted and pre-filled), (3) commission forecaster, (4) Mandarin / English compliance letter generator, (5) product match (Halo products vs 40+ lenders), (6) Halo Chat — 24/7 bilingual support. All included with accreditation.
05Who can become a Halo broker?
Who can become a Halo broker?
We look for four things: (1) current Australian Credit Representative authorisation, (2) active settlements in the past 12 months, (3) preference for digital workflow, (4) bonus points for Chinese-Australian clients or complex scenarios (self-employed, alt-doc, SMSF, construction). Seats open on a rolling quarterly basis.
06How fast does Halo approve and settle?
How fast does Halo approve and settle?
Prime full-doc: initial credit decision within 48 hours. Flex / alt-doc: 72 hours. Construction and SMSF: around five business days. Settlement depends on client document readiness. Halo's scenario preview gives you a case-specific estimate before submission.
07What's the commission structure?
What's the commission structure?
Standard industry structure — upfront plus trail, paid monthly via RCTI, visible live in the Broker Portal. Rates vary by product line and broker tier. Accredited brokers receive the full rate card and current Broker Agreement upon sign-up.
08What if a scenario is too complex for the intelligent layer to handle?
What if a scenario is too complex for the intelligent layer to handle?
Halo Chat auto-escalates to a human BDM with same-day response. Our view: the intelligent layer should handle the 80% that's standard, so human underwriters can focus on the 20% that actually needs judgment. We never bounce complex cases back to brokers.
Work with Halo · curated seats
Work independently —
but never alone
We stay small deliberately. 5-minute online accreditation, reviewed within one business day — once you're in, Halo runs every deal with you end-to-end, backed by a team that actually remembers you.
Who we're looking for
- Active independent brokers, or 2–3 person boutique teams
- Comfortable working digitally — repetitive work handed to Halo, a human BDM on deck when judgement is needed
- Preference for Chinese-Australian clients or complex scenarios
- Day-one access to the full Halo workflow and human BDM escalation