$0 NZD / month
For the independent broker, or the brokerage testing the workspace before they roll it across the team.
- Included every month
- 3 applications · 3 seats
- Beyond that
- Bill arrives. Paid tier rules apply.
- Card on file
- Not required to begin.
Pricing
Pricing
One product. Three doorways in.
Free for solo brokers and the first three of everything. A flat per-application and per-seat tariff for the working brokerage — capped, predictable, one invoice. A partner conversation when you outgrow the self-serve shape.
01 — The three doorways
Same product through every door — only the volume and the buying motion change.
$75 per extra app · $150 per extra seat
For brokerages submitting weekly. Pay only for the applications that move to a bank.
- Applications
- $75 each above the free 3, capped at $2,250/mo.
- Seats
- $150 each above the free 3. Prorated as you add and remove.
- Self-serve ceiling
- Up to 15 seats and 150 apps a month. Beyond that — Partner.
Talk to us 15+ seats or 150+ apps / month
For larger groups, networks, and franchises. Same shape — set up properly.
- Pricing
- Stays in the same shape. Negotiated to your size.
- Setup
- Hands-on onboarding. Sending domain, SSO, seat caps lifted.
- Support
- Named contact. Direct line. Same audit trail.
There isn't a feature behind a paywall. The agent layer, the audit log, banks integration, offers, MCP — every tier runs the same product. Limits and the buying motion are the only differences.
02 — Estimate it
Run the numbers.
Drag the sliders — the bill changes as you go. Same maths your account uses; same calculator, same rules.
5
One if you're solo. Add a seat for every adviser at your brokerage.
10
How many you'll deliver this month. Withdraw, resubmit, fan out — still one charge each.
Where you land
Working brokerage — Paid tier.
03 — What's inside
One product, end to end.
The list below is the platform. Every line ships on every tier — Free, Paid, Partner. Built in Aotearoa for FAP-licensed brokerages, full audit trail by default. Usage limits are the only thing that move.
Borrower-led application
A guided journey that captures exactly what banks ask for, once. Income, expenses, deposit, property, goal — typed by the person who knows the answer.
On every tier
Document collection + Akahu
Borrowers upload what banks need; bank statements pull straight from Akahu when consented to. The submission packet builds itself.
On every tier
Broker workspace
Fourteen well-defined application states. One pipeline, one queue, no guessing where a client sits.
On every tier
Append-only audit trail
Every status change, every document, every note — timestamped, immutable, in a form your FAP audit will recognise.
On every tier
Referral code per broker
Share one code. Every borrower who registers with it lands directly in your queue.
On every tier
Curated bank submissions
One borrower file. Each bank's format. Fan out, withdraw, resubmit — still one billable application.
On every tier
Structured offers + rework loop
Offers come back as rows your team can compare. Request changes from individual banks; rework rounds stay attached to the same application.
On every tier
Settlement checklist + expiry sweep
After acceptance: the path to settlement, kept on the rails. Offers near expiry surface before they bite.
On every tier
AI agent layer (MCP)
Connect any AI assistant — Claude, ChatGPT, Cursor, your own — over OAuth. Triage, chase, submit, record offers. Same authority as a broker, every action audited.
On every tier
Per-action attribution + instant revoke
Human or agent — same record, same audit. Pull an agent's access in one click without losing the trail.
On every tier
Stripe-backed billing
One brokerage, one customer record, one invoice, one line per month. Card on file from the first paid application; portal for receipts and payment method.
Self-serve
Hands-on onboarding + named contact
White-glove setup, branded notification email, single sign-on if you need it. A direct line for the relationship.
Partner
Where the tiers actually differ
Limit
Free
Paid
Partner
Applications / month
3
Up to 150
Negotiated
Seats
3
Up to 15
Cap-overrideable
Monthly app spend cap
—
$2,250
Same shape
Buying motion
Self-serve
Self-serve
Conversation
04 — What you replace
One bill, instead of five tabs in your bookkeeping.
Most brokerages assemble PAVE from pieces — a CRM, a doc chaser, a submission inbox, a spreadsheet of offers, a copilot the team logs into. The Paid tier puts the lot on one line.
- CRM
- Replaced by the broker workspace — borrowers, applications, status, audit trail, all on one thread per deal.
- Document chaser
- Replaced by the borrower-led application — the borrower types and uploads what banks ask for, once.
- Submission rails
- Replaced by curated bank submissions — one file, every bank's format, structured offers back.
- Offer tracker
- Replaced by the offer scoring loop — offers shaped into plain language and kept attached to the application.
- AI assistant licences
- Replaced by the agent layer — bring whichever assistant you trust, no per-seat AI bill.
- Compliance log
- Replaced by the append-only audit trail — every action, every actor, every timestamp, on demand.
05 — Who sees the bill
One person pays. Everyone else sees the work.
Borrowers
See nothing billing-related, ever.
No invoices, no plans, no upgrade screens. The borrower journey is the application — start to offer.
Brokers
See usage, never invoices.
Submissions left this month, free apps remaining — the numbers that help them work. Payment UI is hidden.
Principal
Sees the bill. One line.
The owner of the brokerage runs billing — Stripe-backed, monthly, downloadable. Nobody else on the team sees it.
Common questions
When does an application become billable?
The moment PAVE successfully delivers the borrower's details to a bank. Whether the bank approves, declines, or asks for more, the work is done — that's the line.
If I send the same application to four banks, is that four charges?
No. One application, one charge — no matter how many banks you fan out to, no matter how many times you withdraw and re-submit later.
Are the three tiers different products?
No. Free, Paid, and Partner all run the same PAVE — same workspace, same agent layer, same audit trail. Only the volume and the buying motion change.
Is the agent layer included on every tier?
Yes. The MCP / OAuth agent layer ships with every brokerage on PAVE. Connect the AI assistant you trust, set permissions, watch the audit. There is no premium tier hiding it.
Who sees the bill?
Only the principal of the brokerage. Your brokers see usage; they never see invoices or payment UI. Your borrowers see nothing billing-related, ever.
I'm an independent broker — does this work for me?
Yes. You're a brokerage of one. Three free applications a month, then $75 per app you submit. If you don't submit, you don't pay.
What's the self-serve ceiling?
Above 15 seats or 150 applications a month, the signup wizard routes you to a partner conversation instead of checkout. Pricing stays in this exact shape — we just want to set you up properly at that size.
Can I pause my brokerage?
Yes. Remove your seats and stop sending applications and the bill goes to zero. The free three of each return next month if you come back.
Ready when you are
Begin where you are. Pay only for what moves.
Set up your brokerage in a few minutes. The first three applications and three seats are on us — see how the workspace fits before a bill ever lands.