Middle: The platform giving brokers their digital edge

Q. What problem were you actually trying to solve when you built Middle?

We saw a real tension in the market. Brokers want to build a complete picture of their client before lodgement, so they can choose the best lender for their situation and avoid surprises, MIRs, or declined applications. But the more thorough brokers try to be, the worse the process can feel for the client.

Collecting bank statements, credit reports, and payslips often means chasing information across multiple systems and fragmented client journeys. Doing the job properly can create a process that frustrates everyone involved.

We built Middle to close that gap.

Middle brings those key data sources directly into a single broker and client workflow.

Instead of chasing information across platforms, brokers collect everything they need through one seamless client journey, giving them the same financial picture a lender would see at assessment from the very first interaction.

The result is fewer surprises at submission, faster deal assessment, and a smoother process for the client. When brokers have the right information from day one, they can submit with confidence and get their client to “yes” sooner.

Q. How have borrower expectations changed what a broker needs to deliver?

The way we see it, seamless is the new normal.

If you look at how borrowers interact with the rest of their financial life today, they can open a neobank account in minutes, buy travel insurance on their phone at the airport, and some proprietary channels are now promising mortgage approvals in 10 minutes.

Then they come to a broker, and the experience can feel jarring. They are asked to email payslips, download bank statements manually, or print and sign consent forms.

That gap is real, and it is not the broker’s fault. The infrastructure brokers rely on has simply not kept pace with what borrowers now expect as standard, and when the process feels clunky, it can stop a deal before it even begins.

And this is where we think the real opportunity lies for brokers, particularly as demographics shift and younger borrowers become an increasingly important part of the market. The brokers who will win tomorrow are the ones who combine a seamless digital client journey with the choice, advocacy, and trust that no proprietary channel can replicate.

That is an unbeatable combination.

Q. So how does Middle actually deliver that experience?

The moment a broker deploys the fact find, the platform takes over. The Credit Guide is delivered, consents captured, and the client’s identity verified through FrankieOne. The compliance groundwork is handled without the broker needing to turn their mind to it.

As the client moves through the process, our data integrations do the work. Open banking pulls through verified bank statements, Equifax runs the credit report, and CoreLogic delivers property insights, including valuations and rental estimates. Each pre-fills the fact find directly, so the client is not staring at a blank form.

Supporting documents can be uploaded securely with automatic TFN redaction applied where required. Most importantly, the broker has full visibility over the entire journey and can jump in whenever the client needs help.

Once complete, everything lands cleanly inside the broker’s Middle platform and flows directly into leading aggregator CRMs, including Finsure, LMG’s MyCRM, and AFG’s BrokerEngine.

Less time processing, more time with clients, and a complete picture from day one.

Q. The growth numbers are striking. What’s driving that adoption?

We are thrilled with the uptake. Over 1,600 brokers are now actively using Middle, 150,000 end customers have used the platform, and we are seeing more than $5 billion in monthly application volume, all growing at over 100 per cent year on year.

And this growth has been totally organic. Brokers found Middle, used it, and told other brokers. Aggregators saw what was happening in their networks and got behind it. Brokers who trialled it embedded it because it genuinely changed the way they worked.

Looking forward, partnerships like the one we have just struck with Finsure to represent the next chapter. Middle has been embedded as their preferred fact find solution, and platform access has just been made free to their entire broker network.

When a major aggregator backs a platform at that level, it is a signal to the broader industry that this is becoming standard infrastructure, not just another tool in the stack.

Q. What’s next for Middle, and how does that benefit brokers?

For us, the vision is straightforward. We want to partner with more brokerages and aggregators across the country and deliver real value to our broker partners.

The opportunity we are most excited about is helping brokers create consistent, high-quality referral experiences at scale.

What we are building toward is a world where every referral partner sends their clients into the same seamless Middle experience. The client onboards cleanly, the broker gets a complete picture, and the referral partner sees their client looked after professionally from the very first touchpoint.

That is how you build a referral network that grows itself.

Beyond workflow, we are embedding AI across the platform to further accelerate the time between application and assessment. The brokers who win in the next five years will combine great relationships with great infrastructure.

Middle’s ambition is clear: to give brokers the infrastructure they need to deliver the fastest, cleanest, and most competitive borrower experience in the market.

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