lender valuation
Designing what AI is allowed to do
A property valuation workflow that automates repetitive work and keeps consequential decisions with the broker.
Try the walkthrough ↓01 / Context
Less administration. Clear responsibility.
The challenge
Brokers were spending approximately 1.5 hours per valuation request, and some broker groups used dedicated teams to manage the administrative workload.
The intervention
I designed a single workflow that reused TeamView data, translated it into lender-specific schemas, surfaced exceptions for broker review and orchestrated submission through a Computer Use Agent.
The responsibility boundary
Preparation can be automated. The broker resolves exceptions, approves the request and reviews the result. Reports return to the originating application.
02 / Approach
AI gets me to more possibilities. Taste decides which ones survive.
I use AI across exploration, prototyping and implementation to get to the point where I can make better decisions faster. Magic Patterns helped me experience rough ideas quickly. Claude Code helped move the design into working frontend, contributing to around 80% of what reached production, as described in the original case study.
Prompt → generate → experience → critique → refine → build → learn → repeat
The most important parts are experience and critique. Does this make the experience simpler? Does the user understand what is happening? Should AI make this decision, or should a human? What can disappear completely?
03 / Experience
Request a valuation without leaving the deal.
Brokers move the same application information between a CRM and lender portals. Interpret it once, translate it for each lender, and return the result with human oversight.
Comparison
Pepper Money
Aussie Activate Package
5.24%$3,450 / month
Repayment savings $120 / month
Loan fees
Upfront fees $395. Ongoing fees $395 / year.
Loan features
Illustrative two-year fixed, principal and interest, owner occupied. Sample loan $700,000; maximum LVR 80%.
ANZ
ANZ Package
5.30%$3,500 / month
Repayment savings $70 / month
Loan fees
Upfront fees $0. Ongoing fees $395 / year.
Loan features
Illustrative two-year fixed, principal and interest, owner occupied. Sample loan $700,000; maximum LVR 80%.
HSBC
HSBC Package
5.35%$3,550 / month
Repayment savings $20 / month
Loan fees
Upfront fees $600. Ongoing fees $395 / year.
Loan features
Illustrative two-year fixed, principal and interest, owner occupied. Sample loan $700,000; maximum LVR 80%.
Sample figures from the reference prototype, not current rates or a loan offer.
04 / Workflow
AI in the product. AI in my process.
AI lowered the cost of trying an interaction. My job was deciding whether it deserved to stay.
AI / ChatGPT + Claude
Explore approaches and edge cases.
Puneet
Define the problem and responsibility boundaries.
Responsibility boundary
Agent may
- Read documents
- Structure fields
- Translate per lender
- Flag conflicts
- Report events
Human decides
- Resolve conflicts
- Choose the lender
- Approve submission
- Review the result
Prompt → build → interact → critique → revise ↺
05 / Decisions
Where the easy answer wasn’t the right one.
Reconstructed trade-offs from the reference case study. These compare plausible AI defaults with my design decisions; they are not quoted model outputs.
01
Autonomous submission vs explicit approval
Prepare automatically. Submit only on explicit approval.
Preparation is reversible; sending to a lender crosses a responsibility boundary. The broker signs off on the exact request that leaves.
- Prefill request · from the application
- Fix missing items · by the broker
- Compliance · confirmed by the broker
- Ready · waiting for explicit approval
02
Review every field vs focus on exceptions
Lead with exceptions. Keep every field one click away.
Confirming values that already match trains people to click through. Make attention useful, with full details still available.
- Add a property address
- Select a property type
- Confirm the SDR has been checked
- Confirm the AUP review
03
One loading state vs visible steps and recovery
Show discrete steps and a safe way to recover.
When something fails, brokers need to know what happened, whether anything was sent, and what to do next.
- Approved request locked
- Formatted for Horizon Bank
- Lender unavailable · request not submitted
- Approved request preserved · retry or return to review
06 / Reflection
The faster I can build, the more carefully I choose what should happen.
Normalise → translate → review exceptions → approve → act → return. The intended benefits are less re-entry and clearer oversight. This prototype demonstrates the interaction model, not measured production impact.
Explore the original full prototype ↗