For twenty years brokers have been made to do machine work. Re-key it, chase it, answer it at 9pm, carry it between systems that do not talk. The human became the road the work travelled on, because nobody laid one.
He built the machine so you could stop being one. Two engines, one fixed monthly fee: Max AI Broker bringing HumanBack, Flip360 bringing GivingBack.
Walk into a house where Max already worksPunters Finance →ASAP Capital →TSC Mortgage Brokers, January 2027
1 · TRY ITMax, out of the box.Type a real enquiry. Watch Max qualify it, write the deal sheet and draft the file. Then you are the broker: press Approve. Two minutes.
2 · ONE BADGEMax at Punters Finance.White labelled as a digital human. Specialist lending, Matt and Nick at the gate.
3 · ANOTHER BADGEMax at ASAP Capital.The same engine as an orb. Development finance, Sam at the gate. Same Max, different badge.
#GivingBack4 · MACHINE TWOFlip360 at work.The referral network. Leads in while you sleep, 75 percent of the fee back to whoever referred. Half the platform revenue back to the community.
5 · I WANT ITI want Max AI and Flip360.Leave your details. Matt’s office acknowledges within minutes and books you a twenty minute walkthrough. One fixed monthly fee per brokerage.
Max AI Broker is the sales office Matt Punter put behind Punters Finance and ASAP Capital. It meets the client, qualifies the deal and drafts the whole file. Your broker approves, edits or rejects. Same engine, your badge, one fixed monthly fee per brokerage.
Because your enquiries do not keep office hours and you do.
The one that lands at 9pm Friday is answered at 9pm Friday, in plain words, qualified, with the deal sheet on your desk before you wake up. The one that arrives while you are on the phone gets the same. The lead that used to go to the next broker on the list stays yours. You are not buying software. You are buying the enquiries you are currently losing.
The engine takes the 70 percent of the week that is not broking.
Reading, chasing, re-typing, summarising, the first conversation fifty times a week. Max does the first conversation. The office writes the first draft of everything: deal sheet, document list, lender shortlist, preliminary assessment, the compliance ladder. Your brokers open a desk where the file is already right and spend the day on the 30 percent that needs a licence and a conscience. More files per week, same headcount, nobody lost on a weekend, and the chasing stops costing a salary.
Your badge on Matt’s engine. Leave your details below; Matt’s office books a twenty minute walkthrough on your own shape.
Then your brand, your voice, your licensee, your Credit Guide and your lender panel go on the engine. Your brokers sign in to a desk with files already drafted. Your clients get a page where the file is, where they upload, sign and ask. You get the board that shows every enquiry in and every file moving, by broker, by day. One fixed monthly fee per brokerage. No per seat, no per lead, no cut of your deals.
He built it because he was losing Friday night enquiries and doing the same first conversation fifty times a week at Punters Finance. He put it under his own licence and ran it on his own book for six months before he let anyone else near it. ASAP Capital went on next. TSC Mortgage Brokers, twelve years and 9,000 clients, goes on in January 2027 under full NCCP.
Nothing Max or the office writes reaches a client or a lender until your broker approves it. If you do not like a draft you reject it, write why, and the office learns. Your licence is never in the engine’s hands. It is in yours, where it has always been, with the chasing taken off your desk.
“I would rather the whole industry got better at this than keep it to myself.”
Keeping it to himself makes his brands a little stronger. Putting it under your badge makes the whole profession stronger and pays him a fixed fee, not a cut of your deals.
They are told. Max says he is an AI and that a licensed broker reviews everything. Clients at Punters Finance talk to him at 11pm because he answers at 11pm. The broker they meet next morning already has their story.
It is the opposite. A broker built it so brokers keep the part that needs a licence. Every file ends at a human desk. The machine does machine work; the human does human work; the client only ever sees a human’s click.
One fixed monthly fee per brokerage. No per seat, no per lead, no percentage of your trail or your upfront. Matt gives you the number at the walkthrough, on your own shape. Flip360 is separate and publishes its own price.
The smaller the office, the more a 9pm enquiry costs you when nobody answers it. A one broker shop with Max has a sales office. That is the whole point.
You do not set it up. You hand over your brand, your licensee details and your lender panel at the walkthrough and Matt’s office does the rest. Your brokers sign in to a desk with files already drafted.
Find him on the floor, or leave your details and his office books the twenty minute walkthrough. Either way, the enquiry you lose tonight is the last one you have to.
Everything above this line is the offer. Everything below is the long read: why Matt did it, where you sit on the adoption curve, the engines, and Max himself, live on this page.
“I would rather the whole industry got better at this than keep it to myself. Brokers freed from the chasing so they can do the part that needs a licence and a conscience.”Matt Punter, founder of Punters Finance, ASAP Capital, TSC Mortgage Brokers and Flip360
An enquiry at 9pm on a Friday waited until Monday. A lead that did not get a reply in an hour went to the next broker on the list. Documents were chased by people paid to give credit advice. Across four brands that was settlements lost, salary spent on admin, and margin per deal shrinking. So he built a 24/7 digital sales office, Max AI Broker, and put it at the front of Punters Finance and ASAP Capital. Nothing waits. The licensed human opens a file already drafted.
Every brokerage leaks the same way and every one of them refers clients to accountants, agents, planners and lawyers for nothing. Matt went first, took the risk on his own licence and his own clients, and proved it works. Keeping that to himself would make his brands a little stronger. Sharing it, under your badge, on his engines, makes the whole profession stronger and pays him a fixed fee rather than a cut of your deals.
A broker’s week used to be about 70 percent reading, chasing, re-typing and summarising, and 30 percent judgement, authority and the licensed call. The engine takes the 70. Your people keep the 30, which is the part they trained for and the part clients remember. Settlements go up because nothing waits. Margin per deal goes up because the chasing stops costing a salary. Staff stay because the job is the good part again.
Every technology crosses the same curve. Someone goes first, breaks things, fixes them, and writes down what works. Matt did that with his own four brands over the last six months. If you are a brokerage principal reading this at a conference, you are the early majority: the people who buy the proven engine instead of the experiment.
Your brokerage is the badge on the bonnet. Your name, your voice, your face, your licensee details, your lender panel. Underneath, the same two engines Matt runs in his own businesses. White labelled. Subscribed, not built.
What your clients and your lenders see.
What Matt’s group built and runs. One fixed monthly fee per brokerage. No per seat, no per lead.
Meets the enquiry at 11pm. Asks the fact find in plain words. Works out who in your team should hold it. Drafts the first reply and the document list. Your broker opens the desk to a file already right and spends the day on the part that needs a licence.
You already send clients to accountants, agents, planners, builders and lawyers you trust, for nothing. Flip360 puts every referral on the record with five time stamped handshakes and pays the referrer 75 percent of the fee when it settles. Leads flow in to your brokerage from the network: active income. Leads you send out earn you a cut: passive income.
The Punters Finance reference build, live on this page. Try a scenario and watch him diagnose, route to the right kind of broker, and hand over with the questions already answered. In your brokerage he carries your name and voice. This copy is a demonstration: nothing here reaches a real broker.
Two minutes on the real engine. You type a client's words; the office routes it, writes the deal sheet and drafts the file; then you sit at the broker's desk and approve, edit or reject. A demonstration file, swept after a day.
See and hear Max →The spoken Max, with a face. In your brokerage it is your voice and, if you want, your face. Needs a microphone; works best on a phone.
Max AI Broker configured for your brand, your voice, your licensee and your lender panel, with Flip360 membership for the network. One fixed monthly fee per brokerage. Leave your details and Matt’s office books you a twenty minute walkthrough on your own shape.
Leave your detailsPanels, keynotes, podcasts, boardroom sessions. Bank policy, broker economics and the blended workforce, explained the way he explains them to clients. His media kit, bio and one sheet are on his site.
Open the booking kitMatt has written down where this is going, in public, with dates and evidence, and nothing claimed that has not happened yet. If you want to understand the man before the method, start there.
Read the pathwayWhen you leave your details, the follow up is run by Matt’s AI office assistant under his authority. You are told when it is the assistant and when it is Matt. Ask for a person at any point and you get one.
Nothing on this page is a plan. Max is live at Punters Finance and ASAP Capital. Flip360 is live nationally. TSC Mortgage Brokers moves onto the same office in January 2027.
Matt Punter, Birtinya, October 2026