Comparison
LendScope vs Quickli
Side-by-side for Australian brokers choosing a serviceability calculator. Every LendScope claim below points at a file in our public repository; every Quickli claim is quoted from quickli.com.au as read on 2 September 2026, or marked as not published there.
Quick summary
Quickli is the established unified-panel serviceability calculator, sold as Core and Pro plans with a 21-day trial. LendScope covers the same one-screen lender ranking and adds the parts of the job around it — funds to complete, client links, an audit pack and a published verification trail — and is free while in beta.
| Feature | LendScope | Quickli |
|---|---|---|
| Lender panel | 51 Australian lenders, rates dated on every row | "51+ lenders" |
| Where lender policy comes from | 7 of 51 lenders transcribed from the lender's own broker workbook with a sheet-and-cell reference per figure; the rest labelled draft or generic on the row | "applies each lender's actual credit policy logic in real time" — how it is sourced is not published |
| Engine checked against lender workbooks | The NAB, Macquarie, La Trobe and AMP workbooks are run in a formula engine and compared with ours on the same scenario in the test suite | Not published |
| Automated tests | 148 behaviours pinned; the full list is published on the methodology page | Not published |
| Funds to complete | Deposit, transfer duty with first-home relief, LMI at each lender's LVR cap, registration fees, FHOG and the Home Guarantee Scheme, per lender | "Funds Position" (Core plan) |
| Living expenses | 14 lender categories, entered weekly / fortnightly / monthly / annually; each lender assesses the higher of declared and its HEM | Not published |
| Loan structures | Split up to four tranches, bridging, construction, company or trust borrowers, deposit bonds, family guarantee | "SMSF Serviceability Tool" and "Alt Doc/Specialist Tool" (Pro plan); other structures not published |
| Self-employed income | Assessed by each lender's own method — two-year average, average with growth capped at 20%, latest year, or lower year | "Alt Doc/Specialist Tool" (Pro plan); method not published |
| What gets a failing deal over the line | Tries closing cards, paying out loans, a 30-year term, P&I, a smaller loan, a family guarantee and HEM instead of declared — and lists the ones that gain lenders | Not published |
| Client-facing links | Read-only share link (snapshot with names, addresses and employers stripped; 7 / 30 / 90-day expiry) and a fact-find link the client completes without an account | "Fact Find/Doc Collection" listed as coming soon |
| Teams | Organisations with admin / broker / viewer roles and invitation links; a scenario stays private until its owner shares it | "Account Administrator" and "View Only" users free of charge; "Org Level Analytics" on Pro |
| Scenario history | Last 30 versions kept, field-level diff between any two, one-click restore | Not published |
| Audit pack | PDF of the inputs as entered, every lender's buffer, floor, shading and policy status, and the workbook cells cited | "Loan Notes" on Pro (3,200 credits/month); an audit pack is not published |
| Lender workbooks | 9 lenders' own Excel calculators staged; the scenario is written into their input cells on download | Not published |
| Broker portal directory | 53 portal links, one click from each lender row | "Lender Info" (Core plan); a portal directory is not published |
| Applicant import | CSV / XLSX from a CRM export, with the column mapping remembered per file layout | "Exports, integrations and collaboration are built in" — not itemised |
| AI policy questions | Bring your own Anthropic, OpenAI or Gemini key; the context is built from public panel data only, never from a scenario | "Jiffi AI" on Pro, 3,200 credits/month |
| Panel change log | Generated from the data file's own commit history; RSS feed and email digest | Not published |
| Saved scenarios re-checked | A scheduled job re-runs every saved scenario against the current panel and emails the broker when a lender's status moves | Not published |
| API | Design preview only — not yet available | Not published |
| Cost | Free while in beta | Core $590 / year + GST per user; Pro $990 / year + GST per user (annual billing); 21-day free trial |
| Built by | Aartan Group Pty Ltd (Sydney) | Quickli Pty. Ltd. |
Where LendScope is stronger
- You can check the numbers. Nine lenders' policies cite the workbook cell they came from, the engine is compared with eight lender workbooks in the test suite, and the methodology page lists every pinned behaviour.
- The deal around the calculation. Funds to complete with duty, LMI, FHOG and the Home Guarantee Scheme; a levers card for deals that fail; bridging, construction and company or trust structures; per-lender self-employed methods.
- Client links have shipped. Read-only share links and client fact-find links are in the product; Quickli lists fact-find and document collection as coming soon.
- Cost. Free while in beta; no seat pricing.
Where Quickli is stronger
- A broader plan surface. The published plans include Product Comparison, Quick Calcs, Community and Academy on Core, and Doc Handler, an SMSF tool, custom branding and organisation-level analytics on Pro — none of which LendScope offers.
- Document handling and AI are bundled. "Doc Handler" and "Jiffi AI" come with the Pro plan on credits; LendScope's AI needs your own API key and does not read documents.
- An established, priced product. Quickli publishes plans, a trial and free view-only seats; LendScope is in beta, and its beta banner says so on every page.
Our take: if you want to see where every figure came from and you need funds to complete, client links and an audit pack in the same tool, LendScope does that now, for nothing. If your desk leans on Quickli's document handling, community and training, or you want a priced, out-of-beta product, stay with Quickli and check back as the beta closes.
Quickli facts are quoted from quickli.com.au, its product page and its pricing page as read on 2 September 2026; "not published" means we could not find it there, not that it does not exist. LendScope facts are checkable in the public repository — the file is named in the page source next to each row. Verify both before you decide.