Document Analysis

QualifyMate recognises 30+ document types commonly found in Australian mortgage applications: payslips, bank statements, tax returns, notice of assessment, income statements, credit reports, home loan statements, credit card statements, personal loans, car loans, HECS-HELP statements, BNPL statements, rates notices, lease agreements, employment letters, identification documents, super statements, and more.

Yes. QualifyMate processes PDFs, JPGs, PNGs, and TIFFs. Scanned documents and photos taken on a phone are supported. The AI Document Renamer also converts images to PDF automatically during processing.

QualifyMate includes intelligent name reconciliation for joint applications. Documents are automatically matched to the correct applicant, even when names vary across different paperwork (e.g., "Jane Smith" on a payslip vs "J. Smith" on a bank statement).

QualifyMate flags YTD income discrepancies (where annualised year-to-date income doesn't match the stated base salary), salary credit mismatches (where bank credits don't match payslip net pay), balance mismatches between statements and credit reports, red flag transactions in bank statements (gambling, BNPL, dishonour fees, large transactions over $5k), and other inconsistencies. Each flag includes a reason and explanation.

A typical assessment with 15–25 documents completes in 3–5 minutes. The AI processes all documents in parallel, so adding more files doesn't significantly increase processing time. This compares to 3–4 hours of manual review for the same loan file.