In development · Founding member spots open

A review of two-thirds of the market found best-interests-duty file notes needed strengthening — is yours ready?

For independent mortgage brokers who write their own file notes and want to know, before ASIC or their aggregator does, whether each one actually proves the reasoning it's supposed to.

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Dutybridge Concept preview

Note checks

Every file note this month, checked against the four elements a spot check looks for.

Export flagged list
Notes checked this month42
Fully compliant37
Missing an element5
  • David K. — refinance, settled 12 NovMissing: cost comparison between options
    Needs fix
  • Priya R. — first home buyerAll four elements present
    Compliant
  • Tom B. — investment purchaseMissing: stated client priorities
    Needs fix
  • Sarah M. — construction loanAll four elements present
    Compliant

Sound familiar?

What people are putting up with today

  • Every loan recommendation needs a file note proving you considered the client's goals, the options, the costs and your reasoning — not just that the paperwork was completed.

  • Brokers have a Best Interests Duty, which means proving on paper that the loan suits the borrower's goals, budget and future plans — disclosures, product governance, valuations and file notes for days.

  • ASIC's 2026 review of the largest credit licensees, covering two-thirds of the market, found existing best-interests-duty documentation needed strengthening, and reviews often check whether the paperwork exists, not whether the recommendation itself holds up.

How Dutybridge works

Dutybridge checks the file notes you already write — however you produce them — against the four elements a best-interests-duty review looks for: client priorities, options considered, cost comparison and reasoning. It flags exactly which notes are missing an element, so gaps surface before a spot check rather than after.

  1. 01

    Upload or connect the file notes you already write each month, in whatever format you use today.

  2. 02

    Dutybridge checks each one against the four required elements and flags exactly which are missing one.

  3. 03

    Fix the flagged notes before your aggregator's compliance review or an ASIC spot check finds them first.

In their words

What people are saying

Real quotes from public reviews and forums, with names removed. None are about Dutybridge — it isn't available yet.

Brokers have a Best Interests Duty, which means we must prove - on paper - that the loan suits the borrowers goals, budget, and future plans... Then add disclosures, product governance, valuations, maybe LMI... and file notes for days.
Mortgage brokerage, brokerage blog

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