Best AI Receptionist for Mortgage Brokers 2026

Bulma is our top AI receptionist for mortgage brokers, helping you research lender policies and work through client scenarios. You get quick access to policies from 52+ lenders, with the lender’s wording behind each answer. For a client scenario, Bulma finds suitable lenders and compares borrowing power, then shows the conditions and documents each lender needs.

Bulma works as a broker-facing assistant. If you need someone to answer client calls and book appointments, the phone receptionists below handle that separate job. Here are the options, what each is useful for and the differences to consider before choosing one.

Top AI Receptionists for Mortgage Brokers in 2026

1. Bulma

Bulma is the first choice for help with lender policy questions and client scenarios during your working day. Its Policy Advisor searches policies from 52+ lenders, so you can ask one question instead of opening each lender’s documents separately. It understands broker shorthand and keeps the context when you ask a follow-up.

Each answer includes the lender’s wording and shows when Bulma last updated that policy. You can compare lenders side by side and copy the answer with its sources into your file notes. Bulma also alerts you when a policy you’ve asked about changes.

Scenario Planner helps you find suitable lenders and compare borrowing power for a client. Enter the details once or load them from your customer relationship management (CRM) system, payslips or a fact find. The results explain which lenders fit standard policy, which have conditions and which would need an exception.

Bulma is independent of lenders, aggregators and broker groups, and its founder answers support questions personally. Every plan includes policy research and scenario planning with generous usage limits. Team includes five members, and the 14-day free trial needs no credit card.

Bulma’s role here is assisting the broker. It doesn’t answer phone calls, book appointments or transfer callers, and it doesn’t give clients credit advice. For those telephone tasks, consider one of the services below alongside your research tools.

2. AiDial

AiDial is the strongest phone-answering option here for brokers who want clear recording-consent and transfer procedures. It takes incoming calls, captures the reason for calling and books appointments. A warm transfer gives your team a short summary before they speak to the caller.

When a transfer fails or isn’t available, AiDial sends a text message (SMS) and an email for follow-up. If a caller declines recording, it follows the path you approve, such as transferring the call or continuing unrecorded. AiDial also configures who can access recordings and how long they are kept.

AiDial bills by the call, with each unit covering up to 10 connected minutes. Extra calls attract a per-call charge with no customer-set spending cap, and integrations are quoted separately. It supplies a dedicated number, so you forward your existing number and keep both phone services active.

Its mortgage-broker page describes scoring callers on affordability, employment and deposit. Keep financial assessment out of the reception script: the receptionist can collect an enquiry, while you assess the client’s circumstances. AiDial’s Compliance Pack is a paid add-on for Australian data residency and other controls.

3. Aussie AI Agency

Aussie AI Agency suits brokers who want new enquiries booked into their calendar and sent to broker software. Its mortgage-broker page names Salestrekker, BrokerEngine and Mercury Nexus, along with aggregator systems. It captures the loan purpose and checks available appointment times.

The service flags complaints as urgent and sends an urgent SMS when a caller describes financial hardship. Its phone receptionist doesn’t quote rates or provide credit advice. The website also describes warm transfers for urgent calls.

The main gap is how clearly it documents failures. Its privacy policy, terms and product pages don’t describe what happens when a transfer fails or a caller declines recording. Its privacy policy and financial-services page also give different default retention periods, so agree the setting for your brokerage before launch.

Plans are billed by the minute and include SMS allowances, with a one-off build fee. CRM integration with HubSpot, Salesforce and Zoho starts on Business. Broker-specific connections named elsewhere on the site need to be included in your agreed setup.

4. Trillet

Trillet suits a solo broker who wants cover for missed or after-hours calls on an existing number. You choose whether it answers every call, calls when you’re busy or only unanswered calls. It learns about your business from your website and books into a connected calendar.

Its receptionist plan includes 150 minutes a month, with extra minutes and SMS charged separately. There is no setup fee or contract, and it has a 28-day money-back guarantee. After a call, it emails the caller’s details and reason for calling.

Trillet is built for small businesses generally, so you must set the mortgage-specific questions and escalation instructions. Its receptionist pricing page lists no call transfers, although the wider platform has transfer documentation. Confirm the actual plan supports a transfer before relying on one for urgent calls.

Its homepage says recordings are stored in Australia, while its privacy policy allows overseas transfers. Its terms make data residency binding only when it is included in a signed agreement. The contract therefore matters more than a general homepage claim.

Test Realistic Calls

These call tests apply to the phone receptionists, not Bulma’s broker-facing research tools. Use fictional names and loan details, then place calls from a real phone. Test the moments when an automated conversation is most likely to need help.

Test	What to check
Interruption	The caller changes an appointment time mid-sentence. The receptionist records the final choice.
Accent	The caller spells an unfamiliar surname. The receptionist confirms the spelling and flags anything uncertain.
Correction	The caller corrects a mobile number. The summary contains the corrected number.
Noise	Background noise obscures part of the enquiry. The receptionist asks again instead of guessing.
Distress	The caller says they’re behind on repayments. The receptionist alerts a person and makes no promises about the loan.
Unsupported request	The caller asks how much they can borrow or which lender to choose. The receptionist arranges contact with the broker instead of giving advice.

Review what reaches your team after each call. The summary must preserve the caller’s request, and urgent calls must reach someone who can act. Keep the test inputs and results so you can compare services on the same cases.

Check Data and Consent

For a phone receptionist, agree the recording notice and data settings before it takes client calls. Tell callers they are speaking with AI and whether the call is being recorded. Set out how they can request access to their information or ask for deletion.

The Office of the Australian Information Commissioner (OAIC) publishes guidance on commercially available AI products. It covers explaining AI use in privacy notices and identifying public-facing AI tools. For businesses covered by the Australian Privacy Principles, APP 5 sets out collection-notice requirements, including likely overseas disclosure.

Phone service	Recording and access	Retention and deletion	Storage to confirm
AiDial	Configures access and the response when a caller declines recording	Set during implementation. Its privacy policy describes typical retention of up to five years and qualified deletion on request.	Privacy policy allows occasional overseas hosting. The paid Compliance Pack promises Australian data residency.
Aussie AI Agency	Role-based access and multi-factor authentication. A declined-recording path isn’t described in its published terms.	Privacy policy says 12 months unless configured otherwise. Its financial-services page gives a seven-year default. Deletion requests are processed within 30 days.	Australian hosting is advertised. Record the agreed storage and retention settings in the contract.
Trillet	Customer configures notices and access. Its recording guide doesn’t establish a caller-initiated pause for the receptionist plan.	Recordings are usually kept for 90 days. Its terms make you responsible for retaining your own copies.	Privacy policy allows overseas transfers. Data residency requires a signed agreement.

For Bulma, review your brokerage’s rules for uploading client details and sharing conversations. Its research role doesn’t remove the need to control who can access client information. Phone-recording settings are a separate consideration for the service taking your calls.

Test a Caller Withdrawing Consent

Have a test caller withdraw recording consent partway through a call. The receptionist must acknowledge the request and follow the path you’ve agreed, without continuing to collect details against that request.

Your team needs the consent status and permitted contact details, plus a record of what happened to the recording. Check the actual result in the system, including whether it was retained or deleted under the agreed policy.

Test a Failed Handoff

Make an urgent transfer ring out during a test. The caller must receive a clear next step, and a named person on your team must receive the alert.

The alert needs the caller’s contact details, reason for calling and consent status. It also needs any callback promise the receptionist made, so your team knows what the caller expects.

Prove the Human Handoff

A phone receptionist needs a reliable route to a person when a caller needs help. Name a primary contact and a backup for business hours and after hours. Test what happens when the primary contact is unavailable.

AiDial documents warm transfers and failed-transfer alerts. Aussie AI Agency describes warm transfers, while Trillet’s receptionist pricing page lists no transfers. An emailed summary needs someone monitoring the inbox if that is the only way an urgent enquiry reaches your team.

Failed bookings need an owner too. Disconnect the calendar during a test or request a time with no availability. The enquiry must still reach a monitored inbox or task queue with enough information to follow up.

• The caller’s confirmed name and number
• Their reason for calling and appointment preferences
• Any urgency and what triggered it
• What the receptionist promised, including callback timing
• Recording-consent status and a link to the permitted record

Once your team has the enquiry, Bulma can help the broker research lender policy and work through the client’s scenario. This is a separate step from taking the call, with the broker retaining responsibility for advice. Give each enquiry an owner and follow-up time using your mortgage broker lead process.

Choose the Best Fit

Choose Bulma for broker-facing policy research and scenario planning. If you also need incoming calls answered, choose a phone service based on your call volume and how it handles bookings and urgent enquiries.

Your main need	Best fit	Why
Quick lender policy answers and help planning client scenarios	Bulma	Searches policies from 52+ lenders, quotes the wording and compares borrowing power
Phone coverage with documented consent and failed-transfer procedures	AiDial	Publishes recording choices and sends alerts when transfers fail
New enquiries sent into broker software	Aussie AI Agency	Names broker and aggregator systems and supports calendar bookings
Simple missed-call and after-hours cover	Trillet	Uses your existing number and has no setup fee or contract
Calls requiring judgement or a sensitive conversation	A person	A broker or trained team member can assess the situation and respond

Compare pricing against the job each product performs. Bulma includes policy and scenario tools on every plan, with five members included on Team. Phone receptionists charge for calls or minutes, so those allowances aren’t comparable with policy questions.

Phone service	Included usage	Extra charges and setup
AiDial	Core: 60 calls and 60 SMS. Scale: 150 calls and 150 SMS. Max: 400 calls and 400 SMS. Each call unit covers up to 10 connected minutes.	Extra calls billed per call, without a customer-set cap. Setup fees and minimum terms depend on the agreed scope.
Aussie AI Agency	Starter: 100 minutes and 50 SMS. Business: 250 minutes and 150 SMS. Growth: 700 minutes and 400 SMS.	Extra usage billed per unit and capped at the next plan’s price. One-off build fee, then month-to-month.
Trillet	150 minutes monthly	Extra minutes and SMS charged separately. No setup fee or contract.

For example, 150 minutes covers 50 three-minute calls. AiDial’s 60-call allowance counts calls instead, so those same three-minute calls would use 50 call units. Use your actual call lengths when comparing plans.

Check when captured information enters the client file and how to correct it. AiDial describes writing captured details into the CRM, while Aussie AI Agency says leads reach the aggregator CRM within 60 seconds. Trillet lists emailed summaries without a CRM connection for its receptionist plan.

Correct a wrong detail during the trial and confirm your team can trace the correction to the original record. Treat an accuracy claim as separate from your own test results. None of the three phone services’ reviewed pricing, product or legal pages provides a transcript accuracy percentage.

For research and scenario help, try Bulma free. For phone work that needs regular human judgement, consider a mortgage broker virtual assistant. You can also compare the wider list of AI tools for mortgage brokers.