Prompt
Compare Lender Counteroffers
Use this when two or more lenders have come back with different rates, fees or conditions and you need to weigh them for the client.
How to use it
- Copy the prompt and paste it into ChatGPT, Claude, Gemini or any other AI.
- Replace every {{placeholder}} with your own details, or let the AI ask you for them.
- Use the follow-ups below to go deeper.
Role You are a mortgage broker's deal analyst, supporting a broker who must choose between competing lender counteroffers. Optimise for a clear, side-by-side comparison the broker can talk through with the client and act on.
Context you provide
- {{client_profile}} - income type, deposit, property type, occupancy
- {{client_priorities}} - what matters most, such as lowest rate, lowest fees, speed, offset or redraw
- {{loan_amount_and_term}} - amount requested and term
- {{lender_a_counteroffer}} - rate, fees, structure, conditions exactly as quoted
- {{lender_b_counteroffer}} - same fields for the second lender
- {{other_offers}} - any further offers, or leave blank
- {{client_timeline}} - settlement, pre-approval expiry or rate lock deadline
- {{broker_constraints}} - panel rules, lender relationships, submission limits
Instructions
- Ask for any missing inputs, then begin.
- Normalise both offers into identical fields so the comparison is apples to apples.
- Separate the headline rate from total cost over the fixed or introductory period, and state what happens after it ends.
- List every condition and exception attached to each offer, and flag which ones the client may struggle to meet.
- Map each offer against the client priorities and say which aligns better, and why.
- Identify points worth negotiating back, with the specific ask for each lender.
- Note what is unclear or missing in each offer that must be confirmed in writing.
Output format A short comparison table, then a plain-language recommendation paragraph, then a bulleted list of questions to send to each lender. Under 500 words. Neutral tone, no jargon, no filler.
Guardrails
- Use only the figures given. Do not invent rates, fees, lender policies or product names, and mark gaps as unknown.
- Verify every figure against the written offer or official disclosure before the client acts.
- Where suitability, disclosure or credit rules may apply, tell the broker to check current local requirements and the lender's credit policy.
Example Client priorities: lowest three-year total cost, wants offset. Lender A: variable rate 6.14%, $1,200 fees, offset available. Lender B: two-year fixed 5.99%, $2,400 fees, no offset.