You can watch the YouTube video here.

Would you trust AI with your home loan? 🤖🏡 

It might find a cheap rate, but will it ask the questions that could change your next property move? 

In this topical episode, Ben is joined by investment-savvy mortgage brokers and Couch Crew members Luke Oxenham and Brad Fraser to unpack: 

🔒 Mortgage prison: why a cheaper loan can still be out of reach
⚖️ Fixed vs variable: certainty, flexibility and the trade-offs
🧮 Borrowing calculators: will the bank agree with your estimate?
🤖 AI and mortgages: accuracy, accountability and keeping a human in the loop
💸 “It’s cost me hundreds of thousands”: the questions Ben wishes his first broker had asked 

Plus, a real client story where sequencing made the difference, and how AI could reshape property finance. 

Buying, refinancing or investing? Find out what matters beyond the rate.

Free Stuff Mentioned

🤖 WOULD YOU LET AI APPLY FOR YOUR LOAN?
Explore the Experian research that sparked this week’s discussion: AI in Risk: The Rise of Agentic Commerce, conducted by Forrester Consulting.
👉 Read the research findings >>  

🏦 OPEN BANKING: GOODBYE, MANUAL INPUTS?
Find out how open banking could simplify bringing your financial information into Moorr—and keep an eye on what’s coming.
👉 Learn more about open banking >> 

🔎 LOOK BEYOND THE LISTING
Researching your next purchase? Explore Moorr’s property research tools to dig deeper into potential opportunities.
👉 Explore the property research tools >> 

🤝 IS YOUR HOME LOAN READY FOR YOUR NEXT MOVE?
A competitive rate is just the beginning. Speak with Empower Wealth’s investment-savvy mortgage broking team about a loan that supports your bigger picture.
👉 Explore your lending options >> 

 

Timestamps

  • 0:00 – 622 | Would You Trust AI With Your Home Loan?  
  • 0:43 – Three Brokers Take On Rates & AI  
  • 1:55 – Rising Rates, Shrinking Budgets & Mortgage Prison  
  • 5:10 – Fix Your Rate—or Keep Your Escape Route?  
  • 11:08 – Your Offset Buffer Meets the RBA’s Narrow Path  
  • 13:32 – Would You Let a Bot Borrow for You?  
  • 19:29 – Where AI Gives Your Broker an Edge  
  • 25:15 – A Cheap Rate Now. An Expensive Mistake Later?  
  • 27:29 – Luke’s Plan: Buy Again, Keep the First Home  
  • 29:42 – Sold Up… But Can They Afford the Next Home?  
  • 31:53 – The Calculator Says Yes. Will the Bank?  
  • 35:52 – AI Picked the Wrong Loan. Who Answers for It?  
  • 37:50 – AI Tells You Yes. A Good Broker Might Say No.  
  • 39:16 – “It’s Cost Me Hundreds of Thousands”  
  • 41:40 – Could AI Give You More Time With Your Broker?  
  • 47:18 – Open Banking: Goodbye, Manual Inputs?  
  • 49:16 – AI & Mortgage Fraud: Can Banks Spot the Fakes?  
  • 53:45 – What’s Coming to Moorr? Open Banking & Dynamic Goals