What is an AI-native brokerage?

By Keegan Opperman · Published 14 November 2026

An AI-native brokerage is one where AI does the repetitive work and brokers do the client work. The brokers, the clients and the advice stay the same. What changes is who does the admin.

Where does the term come from?

“AI-native” describes a business that gives work to AI by default, instead of adding an AI tool to a process built for people. A well-known use of the term in Australian broking came in August 2025, when Lendi Group said it aimed to be fully AI-native by June 2026. Its chief executive said the change would free brokers to concentrate on relationships, advice and complex decisions, and that the group was hiring brokers in record numbers (CFOtech).

The idea does not belong to large groups. A brokerage of two people can work the same way.

How is it different from a brokerage that uses AI tools?

Many brokers already use some AI. They ask a chatbot to tidy an email or summarise a lender’s policy. That makes one task faster, but the task is still the broker’s.

In an AI-native brokerage the task is not the broker’s to begin with. It is given to an AI employee, which does the work and reports back.

A new enquiry

Traditional: called back when the broker is free.

AI-native: answered straight away, with the details collected for the broker.

The fact-find

Traditional: typed up by the broker or an assistant.

AI-native: completed and ready before the first meeting.

Documents

Traditional: chased by email for days.

AI-native: requested, checked and followed up until the file is complete.

Rates across the loan book

Traditional: reviewed when there is time.

AI-native: monitored, with a list of the loans worth a look.

After settlement

Traditional: clients hear from the broker when there is time.

AI-native: routine work handled, so the broker has time for the conversations.

Advice and decisions

Traditional: the broker.

AI-native: the broker.

What stays the same?

The broker still gives the advice and makes every decision. The duties a broker owes a client do not move to software. An AI employee never tells a client what to do with a loan. It gathers details, does the routine work and tells the broker who to speak to.

Clients are also told who they are dealing with. On every call the AI employee says it is an AI assistant and says which broker it is calling for.

Does AI-native mean fewer brokers?

The figures point the other way. The MFAA’s State of Mortgage and Finance Broking Report 2026 counted 24,116 brokers in 2025, up 9.1% in a year, and 838,815 home loans arranged by brokers (Australian Broker). Brokers arranged 81.6% of new home loans in the June 2026 quarter (MFAA).

Borrowers are choosing brokers more than ever. What is scarce is the broker’s time. An AI-native brokerage changes how the hours are used. It does not change who gives the advice.

How does a brokerage start?

1. Count the admin. Tally the hours each broker spends on repetitive work in a normal week. Our note on working out what admin costs shows how.
2. Hand over one job first. Document collection is a sensible first choice, because it is repetitive and easy to check.
3. Set the rules. Decide what the AI employee may do on its own, what needs the broker’s sign-off, and the hours in which it may contact clients.
4. Tell your clients. Let them know they may hear from an AI assistant working for you, and that the advice still comes from you.
5. Review each week. Look at what was handed back and adjust the rules.

Broker Twin gives a brokerage its AI employee. Every brokerage starts with a 30-day free trial.