How Julian Fayad Is Using AI to Rewrite Finance Broking
Sam Panetta sits down with Julian Fayad, founder of LoanOptions.ai, to unpack how technology and AI are transforming mortgage and asset finance broking by removing friction and improving the borrower experience.
Julian builds technology that solves specific problems for brokers, from manual data entry to document collection. Here’s where AI is taking broking next, and what to watch out for.
1) Solve problems, skip the jargon
Julian’s company focuses on solving specific problems for brokers rather than talking in technical jargon.
- Start with the broker’s problem.
- Leave the jargon out.
2) End manual data entry and document chasing
Manual data entry and document collection are two of the biggest problems LoanOptions.ai sets out to fix.
- Automate data entry.
- Stop chasing documents.
3) Remove friction in asset finance
LoanOptions.ai removes friction points in asset finance, such as dealing with dealerships.
- Fewer friction points.
- Smoother dealership interactions.
4) Scale without a huge support team
The platform helps brokers scale without needing massive manual support teams.
- Technology replaces manual load.
- Grow without growing headcount at the same rate.
5) Halo: a 5-minute home loan application
The episode introduces Halo, LoanOptions.ai’s residential product, a 5-minute home loan application tool.
- A 5-minute application.
- Built for residential lending.
6) A clearer path for borrowers
Halo is designed to improve the borrower’s experience with a clear, digital path through the application.
- A clear digital path.
- A better borrower experience.
7) More efficient brokers
By automating data collection, Halo also increases broker efficiency.
- Automated data collection.
- More time for advice.
8) The danger of vibe coding
Julian warns against “vibe coding”: using AI to build platforms without understanding data security.
- AI makes building easy.
- Security still has to be designed in.
9) Security protects client data
Professional tech companies must prioritise security protocols to protect sensitive client information.
- Client data is sensitive.
- Security protocols come first.
10) Open APIs will win the next five years
The industry is becoming more fragmented, but Julian and Sam suggest the winners over the next five years will be those who embrace open APIs and let good tech communicate.
- The industry is fragmenting.
- Open APIs connect good tech.
The biggest lesson from Julian Fayad
Use technology to solve real problems for brokers and borrowers, take security seriously, and back the tools that connect rather than lock you in.
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