Typed, then checked
A form collects what the enquirer says: loan purpose, rough amount, employment, timing. That is useful and it is also only what they typed. Qualification runs a second layer behind the form, using up to 98 data points, before the record is sent anywhere. Some of those points come from the form. Most come from checks that run on it.
The question a broker should ask of any supplier is which fields were checked by something other than the enquirer. The honest answer from most of the market is none.
Why serviceability decides more than intent
The RBA's investor data found that around one in five housing investors carried debts above six times their income in 2021. Since February 2026 APRA has limited loans at that ratio to 20% of a lender's new lending, for owner occupiers and investors alike. Investor loan numbers fell 8.6% in the June quarter, the sharpest quarterly fall since 2022, on the ABS lending indicators. None of that reduced how many people want to borrow. It reduced how many can, which is what qualification is for.
The finance screen
We call it PrimeProof. Of high income property enquirers we measured, 51.8% fail on finance. Among enquiries cleared by the screen, fewer than 5% fail. Both figures are ours, from our own traffic. The screen does not approve anyone, and it does not replace a lender's assessment. It removes the enquiries that were never going to settle before they reach your diary.
What qualification hands to the next stage
A record that clears qualification then goes through SMS verification, so the phone number is real, and duplicate checking, so the same person is not a second charge. Only then is it delivered. If a record fails any stage it is not a lead and it is not billed.
What it costs
Nothing separately. Qualification is inside the fixed cost per lead agreed before the campaign runs, with no retainer and no lock in. If a lead clears every check and still turns out to be wrong, the process for that is on the page about invalid lead replacement.