Bulma vs CreditPolicy for Mortgage Brokers 2026

Bulma is the better choice for residential lender policy research and scenario planning, while CreditPolicy suits brokers who also write commercial or asset finance.

Bulma answers lender policy questions across 52+ lenders and quotes the policy wording behind each answer. Describe a client’s scenario once and it groups suitable lenders, works out borrowing power at each one and lists the documents to gather. CreditPolicy pairs its Policy Chat with residential servicing, form filling and branded document drafts.

You can also ask CreditPolicy policy questions by email or from inside ChatGPT or Claude. For a team, the bigger difference is usage. CreditPolicy’s Solo and Team plans include a monthly credit allowance for each broker, while Bulma includes policy research and scenario planning on every plan with generous usage limits.

Identify Both Products

CreditPolicy is an AI workspace for Australian brokers. Its research product is Policy Chat, which answers lender policy questions from its policy library and cites the source documents. The same workspace covers residential servicing, client profiles, form filling and document drafts.

Genesis Chain Financial Group Pty Ltd runs CreditPolicy and trades as CreditPolicy.ai and CreditPolicy.com.au. It also builds lender-branded assistants for lenders and member tools for aggregator networks.

Credit policy is also the everyday term for a lender’s lending rules, which is different from the CreditPolicy product. Lenders publish their credit policy in documents and guides. Both products answer questions from those rules.

Bulma is an AI assistant for Australian mortgage brokers. Its Policy Advisor answers lender policy questions across 52+ residential lenders and about 50 policy areas. Its Scenario Planner checks a client’s whole scenario against every covered lender.

No lender, aggregator or broker group owns Bulma. No lender panel, product shelf or commission shapes its answers.

How Each Product Researches Policy

Bulma answers only from each lender’s current policy documents, never general web content. You can ask about one lender, a shortlist or all covered lenders. A comparison returns a summary, a side-by-side table and a coverage note naming the lenders whose policy doesn’t address the point.

CreditPolicy routes each question to one of six libraries, covering residential, commercial, asset, private and personal lending plus compliance material. It answers from the documents in that library and replies “not in library” when it has nothing. Its lender panel spans majors, non-banks, specialists and private credit, including asset and commercial lenders.

CreditPolicy also has nine specialist assistants, which it calls Buddies, for different lending workflows. Its Model Context Protocol (MCP) connection lets ChatGPT, Claude and other AI tools search the same library mid-conversation. Through that connection, it can put two to four lenders side by side on one question.

How Each Product Handles a Scenario

Scenario Planner ranks lenders into three groups: fits standard policy, fits with conditions and needs an exception. For each lender, it shows borrowing power from that lender’s own servicing inputs, such as the Household Expenditure Measure (HEM), buffers and income shading. It also lists the conditions to meet and the documents to gather.

When a scenario falls outside standard policy, Bulma shows known exception pathways rated Documented, Precedented or Reported. It also finds similar past client scenarios and the lender outcomes they got. These show where a difficult file has a realistic path before you approach a lender.

CreditPolicy’s Residential Servicing runs one client scenario across its lender panel. Its results table shows maximum capacity, monthly surplus, debt-to-income ratio (DTI), repayments, rates, HEM and lender-policy flags side by side. Its scenario engine gives lender-by-lender verdicts of strong, possible or unlikely, with the criteria met and unmet.

For a refresher on how lenders test borrowing power, see how loan serviceability works.

Find and Check a Rule

Both products cite lender wording with a date. Bulma can check every covered lender in one question and names the lenders whose policy doesn’t cover the point. This fictional scenario shows how each product handles the same question and a follow-up.

In this fictional example, Mia is a self-employed electrician with an Australian business number (ABN) registered 18 months ago and one tax return lodged. Mia is buying a $700,000 home with a $560,000 loan, a loan-to-value ratio (LVR) of 80%.

The first question is which lenders accept 18 months of trading with one tax return, and what income evidence they want. Policy decides this before borrowing power does, because a lender that won’t accept Mia’s income isn’t worth a servicing run.

Source Detail With Each Answer

In Bulma, you ask the question across all 52+ lenders or a shortlist. Each answer quotes the policy wording it relied on, with the lender, the policy area and the date Bulma last updated that policy. The coverage note names any lender whose policy doesn’t address trading history, so a silent policy isn’t read as a yes or a no.

You can copy that answer with its sources into your file notes. The quoted wording supports your best interests duty records. Bulma’s date is its last update of the policy, not the lender’s publication date.

In CreditPolicy, Policy Chat answers from the documents in its library, cited to the source document by name and page. Its worked examples show the date its sources were reviewed. Its terms say the library reflects the documents indexed as at the version and date shown.

Change One Fact in the Follow-Up

Now change one material fact: Mia’s loan rises to $630,000, a 90% LVR. Above 80%, lenders mortgage insurance (LMI) usually applies, and each lender’s LVR limit for self-employed borrowers decides who stays on the list. The follow-up shows whether each product carries Mia’s details forward.

Bulma keeps Mia’s details in the conversation, so you ask the follow-up without repeating the scenario. When you change the LVR in Scenario Planner, Bulma updates the lender list and borrowing power. A lender that fitted at 80% can move to fits with conditions or needs an exception, with the new conditions listed.

CreditPolicy keeps follow-ups in the same chat or email thread, with earlier turns in context. Its MCP page gives a similar example, asking whether Liberty would take a client’s deal at 90% LVR against Liberty’s own policy wording. For capacity figures, the changed inputs go through Residential Servicing.

Step	Bulma	CreditPolicy
Policy search	One lender, a shortlist or all 52+ residential lenders in one question	Routed to one of six libraries, with two to four lenders side by side through its MCP connection
Source shown	Quoted policy wording, the lender and the policy area	Source document cited by name and page
Date shown	The date Bulma last updated that policy	The date its sources were reviewed, with the indexed version and date
Silent policy	A coverage note names the lenders whose policy doesn’t address the point	Replies “not in library” when the library has nothing
Follow-up	Keeps the scenario in context and updates the lender list and borrowing power when one fact changes	Keeps earlier turns in the chat or email thread
Scenario output	Lenders grouped by policy fit, with borrowing power, conditions, documents and exception pathways	Verdicts of strong, possible or unlikely, plus a servicing table with capacity, DTI and rates

Working With a Team

Bulma’s Team plan covers up to five members, with policy research and scenario planning included. CreditPolicy’s Team plan is billed per seat, with a minimum of three seats and a monthly credit allowance for each one. The plan terms below are as at October 2026.

Plan terms	Bulma	CreditPolicy
Billing unit	Per plan. Solo is for one broker, and Team covers up to five members with extra seats available	Per broker on Solo and per seat on Team, with a minimum of three seats
Included usage	Generous usage limits for policy and scenario questions on every plan	1,500 credits a month on Solo and 1,500 credits per seat a month on Team. An emailed question costs one credit from the same balance
Coverage	52+ residential lenders and about 50 policy areas. Enterprise adds custom lender coverage	Six libraries across residential, commercial, asset, private, personal and compliance material. Its largest plan adds custom lender and policy library setup
Access	The Bulma app, with shared history on Team and conversations you can share with a colleague	The app, email and an MCP connection for supported AI tools
Team features	Team adds shared history, usage analytics and priority support	Team adds a shared chat and scenario library, usage analytics, admin curation of the lender library and priority support
Larger organisations	Enterprise has unlimited members, custom integrations and a dedicated account manager	The Brokerage / Aggregator plan for 25+ users has unlimited seats and credits, API access, a white-label option and a dedicated success manager
Support	The founder answers every support question	Email support on Solo and priority support on Team, with replies promised within one business day
Free trial	14 days, no credit card	7 days, with card details entered at signup

The credit allowance matters most for a busy team. CreditPolicy’s terms say usage above an allowance is billed at the published rate, and unused credits expire at the end of the period. Bulma includes policy research and scenario planning on every plan, with generous usage limits and up to five members on Team.

Seat minimums also affect small brokerages. A two-broker office choosing CreditPolicy Team pays for at least three seats. On Bulma, the same office fits on one Team plan with room for three more members.

Conditional Recommendation

Choose Bulma when your work is residential and you want policy answers and scenario planning in one conversation. Choose CreditPolicy when you also write commercial, asset or private lending. It also fits when you want client details carried into forms and branded documents.

Choose Bulma When

• You want one question checked against 52+ residential lenders, with the policy wording quoted and silent lenders named.
• You want a client’s scenario grouped by policy fit, with borrowing power, conditions and documents for each lender.
• Your files often fall outside standard policy, and you want exception pathways with a confidence level and similar past scenarios.
• You run a small team and want up to five members on one plan, with generous usage limits instead of a credit allowance per seat.
• You want a tool that no lender, aggregator or broker group owns, with support from the person who builds it.

Choose CreditPolicy When

• You write commercial, asset, private or personal lending alongside home loans and want one research tool for all of it.
• You want to ask policy questions by email or from inside ChatGPT, Claude or another MCP client.
• You want client details reused in lender forms and broker-branded documents, such as credit and servicing proposals.
• You want rates shown beside your residential servicing results.

The Limit of Each Product

Bulma covers 52+ residential lenders and no asset finance. It covers commercial lending only where its lenders’ policies do.

Bulma doesn’t quote interest rates, fees or product pricing. It also doesn’t connect to lender portals or lodgement platforms.

On Solo and Team, CreditPolicy’s questions draw on a monthly credit allowance, and Team needs at least three seats. Its free trial runs for seven days and asks for card details at signup.

Neither product gives credit advice, and the lender’s own assessment sets the final borrowing figure. An exception pathway in Bulma isn’t written policy, so confirm it with the lender before you rely on it. You can try Bulma free for 14 days with no credit card.