LoanOptions.ai and Unbound partner to bring data-driven debt optimisation to broker workflows
New integration equips mortgage brokers using HAILO with quantitative, audit-ready analysis to support Best Interests Duty compliance
9 October 2026, Sydney: Multi-award-winning AI-native fintech provider LoanOptions.ai has partnered with Unbound, a debt analysis platform, to integrate advanced loan optimisation technology into the broker-facing backend of HAILO, LoanOptions.ai's five-minute home loan application journey.
Paul Crowley (Co-Founder, CEO and CTO at Unbound) and Julian Fayad (Founder and CEO at LoanOptions.ai)
The integration is built directly into the HAILO broker portal, giving mortgage brokers a new analytical layer to draw on when structuring and recommending home loans, informed by a client's wider debt position.
Unbound analyses a consumer's entire debt portfolio, including mortgages, auto loans, personal loans, credit cards and student loans, in a single analysis. Rather than assessing each loan in isolation, it models how different debts interact, so brokers and lenders can see how one refinancing decision might improve eligibility for another and where the untapped opportunities sit. This often surfaces strategies to reduce repayments, reduce total interest, pay off debt faster, restructure existing lending, or finance a new asset or purchase.
The partnership between HAILO and Unbound has particular significance for Best Interests Duty compliance. Australian mortgage brokers are required to act in their clients' best interests when providing credit assistance, and Unbound gives brokers a quantitative, documented framework to support the financial rationale behind a recommendation, turning what has traditionally relied on a broker's qualitative judgement into a clear, auditable mathematical record.
By embedding this capability directly into the HAILO backend, brokers gain access to a more comprehensive decision-support tool within their existing workflow, without adding friction to the customer-facing application experience. Instead of asking simply "which loan product should my client choose?", brokers can now analyse existing loans alongside potential new lending, identify refinancing opportunities, evaluate different loan structures, and build a clearer record supporting the advice they give.
Julian Fayad, Founder and CEO at LoanOptions.ai, said:
"Brokers already carry the responsibility of proving their advice is genuinely in a client's best interest, but most of the tools they're given only look at one loan in isolation. Unbound lets us hand brokers a proper picture of a client's whole debt position, right inside the HAILO workflow they're already using, so the recommendation and the reasoning behind it are documented, not just remembered. This gives brokers the same depth of analysis the big institutions have always had access to, so they can spend less time justifying their advice and more time actually giving it."
Paul Crowley, Co-Founder, CEO and CTO at Unbound, said:
“Most lending tools look at one loan at a time, but borrowers don't live that way. Their mortgage, car loan, credit cards and personal loans all affect each other, and Unbound is built to analyse that whole picture together. LoanOptions.ai gives us the ideal way into the Australian market: an AI-native platform that brokers already trust and use every day. By building Unbound into the HAILO broker portal, we're giving mortgage brokers a clear, quantitative view of how a client's broader debts shape the best home loan strategy, and a documented rationale that supports their Best Interests Duty obligations.”
The integration is available now to brokers using the HAILO platform.
About LoanOptions.ai
Founded by 2025 Finance Brokers’ Association of Australia’s Industry Champion of the Year, Julian Fayad, LoanOptions.ai is an award-winning and pioneering finance technology provider and brokerage with offices in Auckland, Sydney and Perth.
For over half a decade, LoanOptions.ai has been building AI systems that provide a fast, accurate, painless, and transparent end-to-end lending experience for borrowers, brokers, and lenders alike, while strengthening the broking channel and advocating for financial literacy.
LoanOptions.ai has developed the world’s first five-minute digital loan application journey that reduces manual onboarding by up to 90% and the world’s first unbiased loan matching engine that reveals loan options that a user is actually eligible for across more than 90 lenders with actual rates and fees displayed in real time, with absolutely no impact on their credit score, to name just a couple of technologies in its ever-growing and ever-refining suite of solutions.
Another is Synapses, a scalable plug-and-play API ecosystem connecting dozens of essential services via a single integration point with built-in NCCP compliance and supports AI agent development through Model Context Protocol (MCP).
Its dedication to leading industry innovation has been recognised with the countless industry, business, and tech awards, including Technology Service Provider of the Year at the 2024 and 2025 Australian Broking Awards, Best Industry Service at the 2025 Australian Mortgage Awards, Best Use of Agentic AI at the Australian AI Awards, Large Brokerage of the Year at the 2025 Broker Daily Innovation Awards Best Broker Innovation at the Finder Innovation Awards and many more.
For more information, please visit https://www.loanoptions.ai/
About Unbound
Unbound is a US-based platform designed to help consumers optimize their debt and help lenders, fintechs, and brokers identify and act on untapped financing opportunities.
Unbound takes a holistic approach by analyzing a user's entire debt portfolio—mortgages, student loans, auto loans, credit cards, personal loans, and other liabilities—in a single analysis. Rather than evaluating loans in isolation, Unbound considers a user's debts, income, and financial goals together to identify strategies that reduce monthly payments, lower interest costs, or help borrowers become debt-free faster.
Using advanced mathematical modeling, Unbound captures the interactions between different types of debt, rather than evaluating each loan in isolation. For example, a borrower who is unable to qualify for a mortgage refinance on their own may be able to improve their overall debt profile by first consolidating high-interest credit card debt into a personal loan. Unbound can identify this sequence of opportunities and show how one refinancing decision can improve the borrower’s eligibility for another. This holistic, multi-debt analysis is a core differentiator of Unbound, enabling it to uncover financing strategies that single-loan analyses miss.
Unbound is the only tool on the market offering holistic, multi-debt analysis.
Unbound's approach gets consumers more personalized and advanced financial strategies, while lenders and financial institutions uncover previously untapped opportunities to originate loans and deepen customer relationships.
For more information, please visit https://unboundrefi.com/
