Craggle named Best Mortgage FinTech Company for 2025

Craggle is the first in Australia to revolutionise the home loan experience for self-employed borrowers. With our AI-powered platform, self-employed individuals now have access to:

• Instant Pre-Qualification: No more waiting weeks for a lender’s response—Craggle’s AI instantly assesses financial data to determine borrowing power.
• Tailored Loan Matches: Our AI identifies lenders that cater specifically to self-employed applicants, matching them with policies they actually qualify for.
• Streamlined Document Submission: Our digital-first platform allows borrowers to securely upload necessary financial documents in minutes.
• 24/7 Loan Discovery: Self-employed individuals can explore and compare home loan options any time—without needing to book an appointment or wait for a call back.
• Higher Approval Rates: Our AI eliminates mismatches, ensuring applicants only apply to lenders where they meet the criteria, increasing approval success rates.

Traditional banks and mortgage brokers have long underserved self-employed borrowers. At Craggle, we recognised this gap and built a first-of-its-kind, fully digital self-employed mortgage solution—giving entrepreneurs and business owners the same ease of access as salaried employees.

By combining AI-driven efficiency with tailored lending solutions, Craggle ensures that self-employed Australians can confidently navigate the home loan process—without the roadblocks, delays, and frustrations they’ve historically faced.

Ask a Question Anytime with Generative AI

One of Craggle’s most transformative innovations is its ability to offer instant mortgage guidance through its AI-powered platform. Borrowers can ask a question anytime and receive accurate, real-time responses—whenever they need assistance, day or night.

Unlike traditional mortgage brokers, who are only available during business hours and may be influenced by commission incentives, Craggle’s AI is 100% unbiased. It provides fact-based, transparent responses that are solely focused on helping customers find the best home loan options for their individual needs.

How Does This Benefit You?

• 24/7 Availability: Whether you have a question about interest rates, repayment terms, or loan eligibility, you can get an answer instantly—no waiting for an email or call back.
• Increased Transparency: Every response is based on real data, ensuring that borrowers have full clarity on their mortgage options without hidden surprises.
• Unbiased, Data-Driven Advice: Unlike human brokers, who may be motivated by commissions or lender partnerships, Craggle’s AI does not favour any particular lender—it only shows options that best suit your needs.
• Empowers Smarter Financial Decisions: With instant access to key information, borrowers can compare home loan rates, evaluate loan terms, and make informed decisions without pressure.
• Explains Complex Terms Simply: If you’re unfamiliar with certain mortgage terms, Craggle’s AI provides clear, easy-to-understand explanations without jargon.

Why is This a Game-Changer?

Traditionally, borrowers rely on brokers for mortgage advice, but this system comes with several challenges:

• Brokers may prioritise loans that offer them higher commissions, rather than those that are best for the borrower.
• Many mortgage brokers operate on limited hours, making it difficult for customers to get answers when they need them.
• Borrowers often struggle to find unbiased comparisons, leading to confusion and missed opportunities.

Craggle removes these barriers by providing a completely transparent, AI-driven mortgage expert that is always available, offering unbiased, data-backed responses that ensure borrowers get the best mortgage advice—without human influence.

A Fully Personalised Experience

Craggle’s AI does more than just answer questions—it tailors its responses based on your financial situation. When you engage with the AI, it takes into account factors such as:

• Your income and employment status
• Your existing debts and financial commitments
• Your property goals—whether buying, refinancing, or investing
• Your preferences, such as fixed vs. variable rates

With this personalised approach, borrowers can receive loan options that truly fit their needs—without needing to schedule an appointment or fill out complex forms.

At Craggle, we believe that everyone deserves clear, unbiased, and accessible home loan guidance. Our AI-powered solution ensures that borrowers always have the information they need to make confident, informed financial decisions.

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AI and Finance: A Truly Innovative Approach

Craggle’s AI-driven mortgage platform is the first of its kind in the industry. Our pioneering approach to AI in finance has reshaped the way Australians access home loans, offering a never-before-seen service experience that prioritises speed, fairness, and transparency.

Our ability to innovate would not be possible without the support of our incredible customers. Your trust and engagement have fuelled our drive to disrupt the mortgage industry and make home lending faster, simpler, and more transparent for everyone. Thank you for being part of our journey as we continue to push the boundaries of AI fintech and revolutionise the home loan experience.

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Looking Ahead: Craggle’s Future Vision

Craggle is continuously exploring new AI innovations, including voice-to-voice AI engagement and digital brokerage solutions.

Benjamin Baume, Co-Founder & Managing Director of Craggle, stated:

“Our goal is to make home lending transparent, simple, and fair. Winning this award is a testament to our commitment to innovation, and we’re excited to continue enhancing our AI platform to better serve Australians.”

Visit Craggle to discover how our AI-driven platform can help you compare home loan rates and secure the best mortgage for your needs.

A Heartfelt Thanks to Our Partners and Customers

Craggle’s success and its ability to innovate, disrupt, and transform the mortgage industry would not be possible without the incredible support of our partners and customers.

We would like to extend our sincere gratitude to our valued partners:

• Diego Trigo and the exceptional team at Hello Again, whose expertise has been instrumental in shaping our journey.
• Rami Mukhtar and the brilliant minds at Emergent Labs, who have played a vital role in our continued growth and technological advancements.

We also want to extend our deepest thanks to our customers, whose trust, feedback, and engagement have fueled our drive to push boundaries and redefine home lending. Your belief in our vision for faster, simpler, and more transparent home loans has empowered us to continue innovating and improving our AI-driven platform.

As we celebrate this milestone, we remain committed to delivering unmatched value, unbiased mortgage solutions, and game-changing innovation—ensuring that every Australian can secure a home loan with confidence.

Disclaimer: Unless otherwise specified, the opinions expressed in this article are strictly for general informational and entertainment purposes only and should not be taken as financial advice or recommendation. Views are subject to change without notice at any time.