
How does it work
Type your deal scenario
Get instant feedback on LVR, pricing, structure, and risks
Request a deal summary
Submit to the lender credit team
Respond to clients

Explore the N1 Private Credit GPT
Instant Policy Check
Live to N1 Holdings' private lending credit policy. Assess Loan Value Ratio (LVR) and pricing.
Loan Structure Advice
Check deal viability and structures by advising cross-collateralisation or combination of different mortgage rankings (1st Mortgage and/or 2nd Mortgage).
Documents Review
Review property valuation reports, competitor offer documents, credit reports, financial reports and tax etc instantly. Draft reveiw reports or comparison .
Submission Summary
Draft full credit memo outputs in line with a typical private lender requirements.
Powerful Researching
Instant scan and extract insights from policy document library, historical real deals and other data within the framework. Check against current market condition and apply to specific enquiry.
Frequently Asked Questions
Feel free to reach out for any questions you may have. Below are the common ones that we get from our broker partners.
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Can this tool help with complex deals?N1 Private Credit GPT definitely can help with complex deals — it’s built specifically to handle complex private credit structures, including 1st and 2nd mortgages, cross-collateralisation over different property types, and multiple titles.
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Can I enter sensitive information safely?You can use the tool with confidence. All interactions are private, session-based, and not used for any future training or external sharing. No information is passed to third parties, and nothing is visible to lenders or clients.
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How is this tool different from other broker AI softwares?Our tool is not generic. This tool is constantly trained on actual funded deals, credit policy, products, procedures and checklists. It contains hundreds of EDMs and years of Private Lending Handbook that the company products — giving real answers like a senior BDM, not vague AI replies.
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Does this tool replace my relationship manager?No — it complements your relationship manager's role. Use it for fast structuring and feedback 24/7, then loop in your relationship manager and credit team for submissions, escalations, and final approval.
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Does this tool access or share data with lenders or third parties?No data you enter is ever shared with lenders, clients, or any third-party platform. The tool operates in a secure, closed environment built exclusively for broker use. Your inputs stay private, are not stored for future use, and are never visible to funders or external systems. This ensures full confidentiality while you explore deal structures and policy fit.
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How accurate are the responses from the N1 Private Credit Tool for brokers?Very accurate — it’s trained on N1’s live credit policy, real deal data, and credit papers. It mirrors how N1’s BDMs and credit analysts assess scenarios.
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Is this free to use?Yes. N1 Private Credit GPT is completely free to use.
Listen to what our brokers say
“ It’s incredibly practical and empowering for brokers, helping us better understand credit policy and explore various scenarios with confidence. ”
Jack S
Mortgage Broker
"I used to spend 2 hours structuring a complex deal. Now I get an answer in 2 minutes."
Cynthia Z
Mortgage Broker
“This is AI put to good use! ”
Leon N
Mortgage Broker