Bulma vs Quickli for Mortgage Brokers 2026

Bulma is the better choice for lender policy research and scenario planning, while Quickli suits brokers who prioritise rate comparisons and lender-calculator exports.

Bulma gives you quick access to policies from 52+ lenders, with the lender’s wording included in each answer. It also helps you work through client scenarios, find suitable lenders and compare borrowing power. Quickli combines its servicing calculator with rates, fees and export tools, and offers policy answers through Jiffi AI on Pro.

Other tools can replace Quickli too. You can compare them in Quickli alternatives for mortgage brokers.

Choose by Workflow

Choose Bulma when you want to spend less time looking up lender rules and working through client scenarios. You can ask a single policy question or describe a client’s circumstances and compare suitable lenders. Quickli is useful when you need rates and fees beside a serviceability result or want to export your inputs into a lender’s calculator.

Policy research tells you whether a lender will accept your client’s income, security, deposit or credit history. It also tells you the conditions attached.

Serviceability is how much a lender calculates your client can borrow. Once you’ve chosen a lender, you also need to prepare the application. Imports from your customer relationship management (CRM) system, calculator exports and submission notes can reduce the amount of information you enter again.

Broker job	Bulma	Quickli
Policy research	Policy Advisor answers plain-English policy questions across 52+ lenders and about 50 policy areas on every plan. Each answer quotes the policy wording it relied on	Jiffi AI answers policy and product questions across 51+ lenders on Pro only. Core has a Policy Library, and calculator results have 28 policy filters
Serviceability	Scenario Planner works out borrowing power at each of 52+ lenders from that lender’s own serviceability rules, such as the Household Expenditure Measure (HEM), buffers and income shading	Quickli calculator across 51+ lenders on every plan, plus a funds position (the cash your client needs to settle) and product comparison
Handoff into an application	Client details load from your CRM into a scenario, and uploaded payslips or a fact find fill in the details. Copy an answer with its sources into your file notes or share the conversation with a colleague	One-way scenario import from MyCRM and lender calculator export on every plan. On Pro, a client fact find fills scenarios and AI drafts loan submission notes

Both products help with policy research and borrowing power. Bulma connects those checks so you can see which lenders suit the client and how much each could lend. Quickli adds loan-product comparisons and calculator exports.

Bulma’s Strengths and Limits

Bulma’s Policy Advisor gives you quick answers to lender policy questions without searching through separate documents. Ask about one lender or compare a rule across 52+ lenders. Each answer includes the wording behind it, so you can check the rule and keep it with your file notes.

Scenario Planner helps you work out where a client’s loan could fit. Describe the client’s circumstances and it groups lenders by whether they fit standard policy, have conditions or need an exception. You can compare borrowing power and see the documents each lender needs.

When a scenario sits outside standard policy, Scenario Planner shows known exception pathways. Each pathway carries a confidence level of Documented, Precedented or Reported, so you can see how well it’s established. Scenario Planner also finds similar past client scenarios and the lender outcomes they got, so you see what has worked before.

Policy answers come from lender policy text. Bulma names any lender whose policy doesn’t cover the question instead of guessing. It also shows the policy area and when that policy was last updated.

Bulma is independently owned, with no lender or aggregator ownership. Its recommendations follow the client’s circumstances and lender policy, without favouring an owner’s lending products.

Every Bulma plan includes policy and scenario tools with generous usage limits. The Team plan covers up to five brokers, with shared conversation history. Check the plan terms against your team size and expected use.

Bulma doesn’t quote interest rates, fees or product pricing, so you’ll need a separate product comparison for those details. Its borrowing power figures use each lender’s serviceability rules. The lender’s own assessment sets the final figure.

Quickli’s Strengths and Limits

Quickli combines serviceability checks across 51+ lenders with rates, fees and loan-product comparisons. For lenders with a serviceability spreadsheet, its lender calculator export fills that spreadsheet with your inputs and lists anything missing or assumed.

Jiffi AI answers from more than policy text. It draws on lender policy documents and Quickli’s product data, including rates and fees, so it can compare products as well as policy. Quickli adds knowledge built from broker experience and business development manager (BDM) insights, which it says covers how policy works in practice.

On Pro, a client fact find lets your client enter their details and upload documents through a link. Quickli then fills your scenario from that data. Pro also adds document handling, AI loan submission notes, white-label branding and separate tools for self-managed super fund (SMSF) and alternative-documentation loans.

For policy research, the trade-off is plan level and usage. Jiffi AI needs Quickli Pro, the higher of Quickli’s two plans. Its questions share a monthly credit allowance with AI loan submission notes.

Choose Bulma When

• You need quick policy answers across 52+ lenders, whether you’re checking one rule or comparing several lenders.
• You want to describe your client’s scenario and see suitable lenders, their borrowing power and the documents they need.
• You need to change one fact, such as the deposit or income history, and see how the lender shortlist and borrowing power change.
• You want every answer to quote the lender’s policy wording, ready to copy into your file notes.
• Your files often sit outside standard policy, and you want known exception pathways with a confidence level for each.
• You want generous usage limits on every plan, with up to five brokers on one Team plan.

Choose Quickli When

• You need a funds position and product comparison with rates and fees beside each serviceability result.
• You want policy answers that also draw on broker experience, BDM insights and product data such as rates and fees.
• You want the lender calculator export to fill a lender’s own serviceability spreadsheet from your inputs.
• You want your client to enter their own details and upload documents through a fact find link, plus AI loan submission notes, which come with Quickli Pro.

Compare the Same Client Scenario

For a client with a short trading history, check which lenders accept their income before comparing borrowing power. This fictional example shows where policy research and scenario planning each help.

In this fictional example, Sam and Priya are buying a $750,000 home with a $600,000 loan, a loan-to-value ratio (LVR) of 80%. Sam is a nurse on a pay as you go (PAYG) salary who changed hospitals 10 months ago after four years at her last one.

Priya is self-employed, with an Australian business number (ABN) registered 20 months ago and one tax return lodged. They have a $450 monthly car loan and two credit cards with combined limits of $20,000.

Priya’s short trading history makes lender policy the first question. Before comparing borrowing power, you need to know which lenders will accept her income and what evidence they require.

Bulma lets you ask that policy question directly, then use Scenario Planner to find suitable lenders and compare borrowing power. Each policy answer includes the lender’s wording.

Quickli handles these jobs through Jiffi AI on Pro and its servicing calculator. It also lets you compare rates and fees and export your inputs into lender calculators.

How the Tools Handle the File

For Priya, the policy question is whether a lender accepts 20 months of trading and one tax return. The borrowing-power calculation also needs the couple’s existing debts, including their car loan and credit card limits.

Part of the assessment	Bulma	Quickli
Policy evidence	Each policy answer includes the lender’s wording, policy area and last update date	Jiffi AI draws on lender policy documents, product data and knowledge from broker experience and BDM insights
Lenders covered	52+ lenders. Ask about one lender, a shortlist or the full panel, and a comparison names any lender whose policy doesn’t cover the point	51+ lenders. Jiffi AI focuses on 12 preferred lenders chosen from your Quickli usage. You can change them in settings or explore other lenders
Follow-up questions	Keeps the client’s circumstances in the conversation, so you can ask about another lender without repeating the scenario	Jiffi AI supports policy conversations; questions use the Pro plan’s AI credit allowance
Borrowing-power inputs	Scenario Planner applies each lender’s own HEM, buffers and income shading to the scenario	Quickli calculates serviceability from the entered figures. Its lender calculator export lists missing information and assumptions
Next checks	Scenario Planner lists each lender’s conditions and the documents to gather. Each exception pathway shows a confidence level of Documented, Precedented or Reported	Jiffi AI answers often include document requirements and important notes

Bulma’s quoted policy wording lets you check the rule behind an answer about Priya’s trading history. Jiffi AI also uses broker experience and BDM insights, so distinguish that guidance from a lender’s written policy.

Also check which lenders each answer covered. If a lender you need isn’t among Jiffi AI’s 12 preferred lenders, change the list in settings or ask about that lender directly. Compare the actual lender lists if your choice depends on a particular lender, because the totals don’t establish identical coverage.

Keep Research and Calculator Results Apart

A policy answer tells you whether a lender accepts your client’s situation and on what conditions. A borrowing power figure, from the Quickli calculator or Bulma’s Scenario Planner, shows how much that lender’s serviceability model allows from the inputs you entered.

• The wrong reading is that a lender’s $600,000 borrowing power figure means it accepts Priya’s 20 months of ABN registration.
• The right reading is that the lender’s model allows $600,000 from your inputs. The policy answer shows whether that lender accepts Priya’s income.

Run both checks. Bulma’s Scenario Planner gives each lender’s policy fit and borrowing power in the same scenario.

The lender’s own assessment sets the final figure, so check either tool’s figure in the lender’s own calculator before you give it to your client. For a refresher on how lenders test borrowing power, see how loan serviceability works.

Quickli’s help centre, as at September 2026, says the Commonwealth Bank (CBA) online calculator and CBA spreadsheet show different results for matching inputs. Quickli builds its CBA results on the online calculator, which Quickli says CBA BDMs recommend, although some brokers have been told otherwise. Compare a Quickli CBA figure with CBA’s online calculator because an exported CBA spreadsheet can show a different figure.

Costs and Workflow Fit

Bulma includes policy research and scenario planning on every plan, with generous usage limits and up to five members on Team. Quickli charges per user and reserves Jiffi AI for Pro. That makes plan access and usage limits part of the choice, especially for a team asking policy questions throughout the day.

The plan terms below are as at September 2026.

Plan terms	Bulma	Quickli
Billing unit	Per plan. Solo is for one broker and Team for up to five, with a per-seat fee for extra members	Per user, on Core and Pro
AI policy answers	Policy Advisor on every plan	Jiffi AI on Pro only
Borrowing power	Scenario Planner on every plan, across 52+ lenders	Quickli calculator on Core and Pro, across 51+ lenders
Included usage	Generous usage limits for policy and scenario questions on every plan	On Pro, 3,200 AI credits a month per person, shared between Jiffi AI questions and loan submission notes. Document handling adds 1,600 credits a month per person, pooled across your organisation
Features on a higher plan	Team adds shared conversation history and team usage analytics. Enterprise adds unlimited members, custom lender coverage and custom integrations	Pro adds Jiffi AI, loan submission notes, a client fact find, document handling, white-label branding, organisation-level analytics and tools for SMSF and alternative-documentation loans
Free trial	14 days, no credit card	21 days, with Pro features available
Support and onboarding	The founder answers every support question. Team adds priority support, and Enterprise adds a dedicated account manager	In-app chat and email support, plus Quickli Academy, on Core and Pro

If you use Quickli Pro to draft submission notes, those notes draw from the same credit allowance as your policy questions. Bulma includes policy research and scenario planning on every plan, with generous usage limits.

The Cost of Keeping Both

Keep both only if you need a specific Quickli feature alongside Bulma, such as rate comparisons or lender-calculator exports. Bulma already handles policy research and borrowing power, so those jobs alone don’t require a second subscription.

With Quickli Core, borrowing power is the main overlap. With Pro, you also pay for AI policy answers. Quickli adds a charge for each user, while Bulma’s Team plan covers up to five brokers before per-seat fees apply.

Running both means two logins and two bills to manage. When a client’s details change, update the scenario in both tools.

Limits of the Comparison

The plan details cover Quickli Core, Quickli Pro with Jiffi AI and Bulma’s Solo, Team and Enterprise plans as at September 2026.

A later Jiffi AI or Bulma release can change the source trail, lender list or plan terms. Quickli says its calculators are tested every day and its lender policy documents are checked weekly. Bulma refreshes lender policies as lenders publish changes and alerts you when a policy you’ve asked about changes.

Bulma covers 52+ lenders, and Enterprise plans can add custom lender coverage. If you regularly use a particular lender, check its inclusion in either product before switching.

Neither tool gives credit advice or replaces your suitability assessment. Quickli’s terms say it doesn’t provide financial or credit advice and that its AI outputs can contain errors you must check. An exception pathway in Bulma isn’t written lender policy, so confirm it with the lender or your BDM before you rely on it.

Choose Bulma for quick policy answers and help finding suitable lenders for your clients. Choose Quickli when rate comparisons or lender-calculator exports are your priority. You can try Bulma free with a 14-day trial and no credit card.