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With the Royal Commission Report (Feb 2019) citing mortgage brokers will no longer be able to collect commission from the banks, this is a good opportunity to revamp a brokerless loan application platform in the hope the fees can be passed as savings to borrowers. To reduce bank's risk exposure, two or more banks can syndicate a challenging loan. Alternatively, applying data and AI, we sought lower risk and sustained returns to the lenders. Banks often look for a diversified portfolio. Meanwhile, this platform has the easiest way to apply using our free-form (story-telling format). It is anonymous and free like gmail. To be fully independent, no commission from the banks ever and we earn our keep dispensing legal advice.