Craggle Named Best Mortgage FinTech Company for 2025

About Craggle

Craggle is a forward-thinking mortgage business based in Sydney, transforming the home loan process through cutting-edge technology. Leveraging advanced generative AI, Craggle has developed an innovative platform that empowers Australians to effortlessly compare over 7,700 home loan options from more than 50 lenders, anytime and anywhere. Recognised for its exceptional approach, Craggle was recently honoured at the Australian Enterprise Awards 2025 as Best Mortgage FinTech Company 2025.

Overcoming Challenges in the Home Loan Process

Home loan applicants face significant challenges right from the outset of their buying journey. The traditional process is frequently time-consuming, frustrating, and restricted by lender availability during business hours. Consumers can spend up to two weeks conducting initial research, only to discover later that they don't meet specific lender policies, forcing them back to square one. Even after initial contact, applicants typically endure multiple days or weeks of explaining their financial situation, waiting for loan options, and scheduling follow-ups.

How Craggle’s AI Platform Transforms Lending

Craggle's generative AI platform directly addresses and eliminates these inefficiencies. Available 24/7, Craggle’s AI-driven solution provides clients instant access to personalised home loan options without the constraints of business hours or prolonged communication. The entire process is streamlined into an intuitive digital experience that takes only five minutes to complete. After this, customers seamlessly connect with a Craggle broker, fully equipped with their information, enabling a swift progression without unnecessary repetition or delays.

Serving Australians with Fairness and Transparency

Craggle caters to Australians looking for a simpler, faster, and more transparent approach to securing home loans, whether they’re first-time homebuyers or seasoned property investors. By harnessing sophisticated generative AI, Craggle removes biases related to loan sizes and commission incentives, ensuring each recommendation genuinely reflects the customer's best interests.

Driven by Customer-Centric Values

Craggle’s success is deeply rooted in customer-centricity, integrity, and continuous innovation. Adhering strictly to regulatory standards and staying ahead of industry developments allows Craggle to maintain its stellar reputation, building trust, enhancing customer satisfaction, and redefining possibilities in home lending.

“We aim to make home lending transparent and easy to understand, equip clients with unbiased and well-informed options so they can make confident financial decisions, and use our technology to minimise the workload for clients so they can focus on what matters most – finding their dream home. Ultimately, we strive to turn what is often a stressful and complex process into one that is seamless, trustworthy, and empowering. By consistently delivering on these promises, Craggle is setting a new standard in the home lending industry.”

— Benjamin Baume, Co-Founder & Managing Director

Innovating for Self-Employed Australians

Continuously pushing boundaries, Craggle recently enhanced its platform to better serve self-employed applicants—a segment historically underserved by traditional mortgage processes. While initially focused on PAYG applicants, Craggle quickly recognised the lack of digital mortgage solutions for self-employed individuals, who previously faced cumbersome processes, reliant on call-back forms and long waiting periods.

Now, Craggle delivers tailored, intuitive home loan solutions specifically designed for self-employed borrowers, placing the power of transparency and choice directly in their hands. This groundbreaking innovation positions Craggle as the first provider offering a fully digital mortgage solution for self-employed applicants.

Looking Ahead: Voice-to-Voice Generative AI

Building on a year of significant growth and innovation, Benjamin reveals what's next for Craggle:

“We’re excited to share that we’re enhancing our generative AI model by introducing voice-to-voice interactions, increasing engagement options for our clients. This new feature will allow customers who prefer voice-based interactions to access friendly, unbiased home loan support from our AI Agent 24/7. We aim to launch this innovative capability in the second quarter of 2025—stay tuned for updates!”