Who sees what, and when
Before you send it, nobody sees it. When you send, each lender you chose sees the deal in full, and every event on it is written to a log you can read.
Before you send it, nobody sees it.
Verdicts are computed against policy we already hold, so nothing about your deal leaves the platform to produce them. A quick quote saves nothing at all unless you choose to save it by email.
Every lender you send it to receives it in the same moment.
Position on the panel can’t be bought and there’s no priority tier. Each distribution is written to the audit log with its timestamp, so the claim is checkable on your own deal rather than taken on trust.
What a lender sees.
Each lender you chose sees the deal in full:
A lender prices a site, not a suburb.
Every lender on the panel has signed On Panel’s lender agreement before it sees a single deal. That agreement carries the fee and the non-circumvention covenant on every deal the lender is ever shown.
What a lender does not see is your name or your brokerage, how many other lenders received the deal, or anything another lender has said or quoted.
When your client signs.
That lender is named to you and the fee locks, and every other lender loses access and is told the deal is not proceeding. They never learn who won. Assets and liabilities are asked for once, at application, and go to that lender alone.
Every verdict names its policy version.
A lender on panel is a dated, versioned credit policy. Every verdict names the version it was assessed against, so a decline can be re-explained two years later, and a change of appetite is a new version rather than a quiet edit.
Documents are read for you and each figure is proposed with the sentence it came from. A person confirms every figure before it counts, and only confirmed figures reach a metric or a verdict.
Every event is written down.
Who lodged it, who saw it, who sent terms, who signed, and when. Each entry is chained to the one before it, so a past entry can’t be altered without that showing. You can read the log on any deal you’ve lodged, and a lender can read their side of it.
What a verdict is, and is not.
A verdict measures fit against a lender’s stated appetite at a point in time. It is indicative. The credit decision, the valuation and the terms are the lender’s.