Agent Centre: User Guide

Put Effi's AI agents to work on pricing, application audits and the admin that slows you down. For brokers and broker business admins.

Inside this guide

1. Welcome to Agent Centre
2. Before you start: turn on AI and connect your credentials
3. Run an agent on a lead
4. A tour of the Agent Centre
5. Pricing Agent
6. Audit Application Agent
7. Other agents and custom workflows
8. Usage and billing
9. Tips and frequently asked questions

01 · OVERVIEW

Welcome to Agent Centre

The Agent Centre is where you run, watch and manage Effi's AI agents. Agents take on the repetitive, admin-heavy work that usually sits with back-office or offshore teams, such as logging into lender portals, keying in application details, and checking documents against the fact find, so you can spend your time with clients.

Agents run in the background. Start one on a lead, move on to your next task, and come back to the result. Every agent run, its result, your assistant skills, Document AI, credentials and AI usage all live on one page, and everything an agent does is recorded, so you can see exactly what it did and when.

GOOD TO KNOW

Agent Centre is in Beta. Features are being added regularly based on broker feedback, so some screens may look slightly different from the images in this guide.

Billing and top-ups are for Business Admins only. Only users with the Broker Business Administrator role can access Billing and top up AI usage. Other users should contact their Business Admin for a top-up.

What the Agent Centre does

• Runs agents in the background. Start an agent from a lead and keep working; the result appears in the Agent Centre when it finishes, often within seconds.
• Keeps a full history. Every task, who ran it, when, how long it took and what it found.
• Puts you in control. Turn skills on or off, connect the other apps your business uses, link your password manager securely, and set spending limits.

Agents available for your business

Agents are enabled per business. You'll only see the agents enabled for your business; contact your Business Admin or Effi account manager if an agent you expected is missing.

Opening the Agent Centre

There are two ways in: from the side menu, or from inside a lead.

From the side menu: select the robot icon in the left-hand menu. Hover over it to see the label Agent Centre.

Figure 1 The Agent Centre icon in the left-hand menu.

From a lead:

1. Open the lead.
2. Select Actions in the top-right corner.
3. Under Run an agent, you'll see every agent configured for you. Select one to run it on this lead, or select Agent Centre at the bottom of the menu to open the full page.

Figure 2 The Actions menu on a lead, showing Run an agent.

An agent shown greyed out with Unavailable still needs setting up (for example, its logins haven't been linked yet). See Agents and Connect your credentials.

02 · SET-UP

Before you start: turn on AI and connect your credentials

• Who can do this: anyone with AI switched on can run agents. Turning AI on for your team, setting limits and adding a card are Broker Business Administrator tasks. Only Business Admins can access Billing or top up AI usage.
• AI must be switched on for each person. Each team member needs their Business Admin to turn on AI in Billing before they can use the agents.
• Some agents need a one-time setup. Computer use agents (such as the Pricing Agent) need their logins linked before they can run.

You'll need: access to Effi, and about 5 minutes to set up your team.

Step 1: Turn on AI for your team (Business Admins)

Broker Business Administrators choose who in the business can use AI and the Agent Centre.

1. Open the Agent Centre.
2. Select the Billing tab (1), then select Card & limits (2).

Figure 3 Billing › Card & limits.

3. Scroll down to Users.
4. Use the AI toggle (1) to switch AI on for each person who should use the agents.
5. Select Save changes (2).

Figure 4 Turning AI on for a user and saving changes.

Please note: Save changes only becomes available after you change a toggle. Anyone with AI switched off will see agents as unavailable.

Step 2: Connect your credentials

Agents that work in lender portals need to sign in as you. Rather than typing usernames and passwords into Effi, you connect a supported password manager once and agents use your saved logins by reference.

Supported password managers: 1Password and Zoho Vault.

To connect 1Password:

1. Go to Agent Centre and open the Credentials tab.
2. Create a service account in 1Password (select Open 1Password). Give it read-only access to only the vaults the assistant may use. You can name it "EFFI Assistant".
3. Copy the token 1Password gives you.
4. Paste the token into the field in the Agent Centre and select Connect. Effi checks the connection before saving.

To connect Zoho Vault: open Credentials, select Sign in with Zoho and follow the prompts, including entering your master passphrase.

When the card shows Connected, you're ready. Make sure your lender portal logins are saved in that password manager.

Figure 5 The Credentials tab, connecting 1Password.

SECURITY

Effi never stores or displays your usernames or passwords. Secret values are never shown in the portal or chat, stored connection details are encrypted at rest and scoped to you, and each connection is checked before it's saved. You can disconnect at any time from the Credentials tab.

03 · RUNNING AGENTS

Run an agent on a lead

Agents are run from inside a lead, so they can use the details you already have on file.

1. Open the lead you want to work on.
2. Select Actions in the top-right corner, or open the Agents tab on the lead and select Run an agent.
3. Choose the agent you need. You'll only see the agents enabled for your business.
4. Review the details the agent needs. Effi pre-fills what it can from the enquiry and fact find; check them, then complete or correct anything missing.
5. Select Start agent.

Watching an agent work

You don't need to stay on the screen. The agent keeps running while you work elsewhere in Effi. For computer use agents, expand the run to see the Live desktop, a secure, real-time view of the agent working in the lender portal. Select Open full screen for a larger view.

Tracking runs on a lead

The Agents tab on each lead lists every run on that lead. Filter by In progress, Needs you (waiting on a code or input) and Completed. Every run is also listed in Agent Centre › Tasks.

04 · AGENT CENTRE TABS

A tour of the Agent Centre

You'll see these tabs across the top. Tab availability may vary with your role and business configuration. Use Refresh (top right) to load the latest results.

Tasks

The Tasks tab lists every agent run, newest first. Each task shows the agent, the lead, when it ran, who ran it, how long it took and a one-line summary of the result. Select a task to expand the full result.

Narrow the list with the filters at the top: Show (for example, My tasks), Status, When, a From and To date, or search by Lead name.

Figure 6 The Tasks tab, listing completed agent runs.

Skills

Skills are the capabilities of your Effi Assistant. Use the toggle on each card to turn a skill on or off for yourself. Defaults come from your organisation's configuration, and each card shows whether it's using the organisation default.

• EFFI Knowledge Search: answers how-to and setup questions from the Effi help centre, with links to the source article and video.
• EFFI CRM (always on): finds and lists leads, reads fact finds and history, reports on your numbers, updates loans, stages, tags and tasks, generates the SoCA and servicing scenarios, requests documents and bank statements, and creates Excel, chart and report files.
• Writing Assistant: drafts and improves emails, SMS, notes and tasks. Choose a Writing style and Voice input language. Always review AI-written content before you send it.
• Background Agents: starts built-in agents that work on a lead in the background (such as auditing an application) and lets you check on, continue or cancel their runs.
• Computer Use Agents: runs the computer use agents your business has set up, and manages the machine they run on.
• Credentials: looks up which logins exist in your connected password manager. It only ever sees item names, never the secret values.

Figure 7 The Skills tab.

Agents

The Agents tab manages your computer use agents: agents that operate a secure virtual computer to complete tasks in other websites for you.

• Computer use machine: your business's machine. It shows whether it's On, turns off automatically after 15 minutes without a run, and can follow a working-hours schedule (select Change schedule). Use Turn off to stop it.
• Agent cards: each card lists how many logins and inputs the agent needs. Select Configure to set it up, then Run.
• Not set up: if an agent still needs logins, the card lists exactly what's missing (for example, connect 1Password under Credentials, then link each secret). Run stays disabled until everything is linked.

An agent only ever receives the logins you link to it here.

Figure 8 The Agents tab, showing the computer use machine, Property Finder and Repricing Agent.

Document AI

Document AI analyses uploaded documents, automatically names files and uses Smart Autofill to populate the fact find from documents. Review extracted details against the original documents.

05 · PRICING AGENT

Pricing Agent

The Pricing Agent requests discretionary pricing for new home loan business. Run it from the lead after connecting your password manager and completing any setup the agent needs.

Details the agent uses

Review these details before selecting Start agent:

• Client name, date of birth, mobile and email
• Loan amount and LVR
• Owner occupied or investment
• Principal and interest or interest only
• Security postcode

06 · AUDIT AGENT

Audit Application Agent

The Audit Application agent does a fast sanity check of an application before lodgement. It reviews the fact find, uploaded documents and bank statements on a lead, then calls out anything that doesn't line up, including discrepancies and compliance issues that could cause problems at lodgement. It usually completes in under a minute, depending on the application.

What it checks

• Personal details: against driver licence and passport, including expired ID.
• Address history: current address and whether three years of history is declared.
• Employment and income: employer and salary against payslips.
• Living expenses: declared expenses against bank statements collected through Effi.
• Assets and liabilities: including undeclared liabilities found in bank statements or credit reports.

Step 1: Run the agent

1. Open the lead, complete the fact find, and make sure the client's supporting documents and bank statements are uploaded.
2. Select Actions, then Audit Application under Run an agent.
3. Review the inputs and select Start agent. An Agent started message confirms the run. It works in the background, so you can carry on with other work.

Figure 9 The Agent started confirmation on a lead.

Step 2: Review the result

1. Open the lead's Agents tab, or open Agent Centre › Tasks.
2. Select the latest Audit Application task to expand it.
3. The Completed result shows an overall verdict (for example, Not ready to lodge), the number of checks run, and a count of findings by outcome and severity.
4. Under Issues to resolve, each issue shows its severity, what was found, and the recommended next step.

Figure 10 An expanded Audit Application result.

What the outcomes mean

Issues are graded High, Medium or Low. Start with High and resolve those before lodgement, then work down.

Below the issues, results are grouped by area: Personal details, Address history, Employment & income, Other income, Living expenses, Assets, Liabilities and Risk flags. The task also lists Documents read and Documents that would help verify (not on file), so you know what to request from the client.

Step 3: Download the report

At the bottom of the task, select:

• Download report (PDF): a clear, client-ready summary you can save to the file.
• Download workbook (XLSX): the full detail in a spreadsheet for your file or your processing team.

The task also records when it started and finished, the provider and the duration.

Figure 11 The Download report and Download workbook buttons.

Reading the Application verification report

Page 1 is a Summary: the verdict, the lead and applicants, the evidence reviewed, counts by outcome and severity, a Top issues table with what to do for each, and any Sources not provided.

Figure 12 Page 1 of the Application verification report.

The following pages break down each area field by field: what the fact find says, which document it was checked against, and the outcome.

Figure 13 Detail pages of the Application verification report.

In this example, the agent found a passport in another person's name, undeclared debts and an undeclared home loan, all within seconds.

COMING SOON

One-click Accept, Fix and Ignore actions on each audit issue, with Fix updating the fact find for you, and a summary of the actions needed at the top of every audit.

07 · MORE AGENTS

Other agents and custom workflows

Pricing and audit are just the start. Agents can take on most repeatable, rules-based admin. Agents available or in development include:

• Document AI: automatic document naming and Smart Autofill of the fact find from uploaded documents.
• Discharge forms: completing lender discharge forms for refinances.
• Property valuations: ordering desktop valuations.
• Apply online checks: finding and filling gaps when an application is pushed to a lender's apply online system.

Availability depends on your business configuration.

Request an agent for your process

If your team has a task it does the same way every time, an agent can probably learn it.

1. Tell your Effi account manager what the task is and how often your team does it.
2. If Effi already has an agent for it, it can be switched on for your business.
3. If not, record yourself (or a team member) doing the task once. Effi trains an agent from the recording.
4. You'll be told the cost per run before the agent goes live.

08 · USAGE

Usage and billing

FREE UNTIL 30 NOVEMBER 2026

The Agent Centre is free of charge for all Effi customers until 30 November 2026, and no card is needed until then. You can track your AI usage in Usage. Only Business Admins can access Billing.

Usage

The Usage tab shows how much of your AI usage you've used this month and what's left.

• Included usage: the amount included in your plan each month, and how much remains.
• Extra usage: anything beyond your included usage, up to the limit your Business Admin sets.
• Resets: the date included usage and limits start again.
• Your usage: total spend, your top AI service and the number of agent runs, with spend over time and by service.

Agent pricing is based on how complex the task is. Your Effi account manager will confirm the cost of each agent before you start using it.

Billing and top-ups (Business Admins only)

Only Business Admins can access Billing and top up AI usage. If you need a top-up and are not a Business Admin, contact your Business Admin. Viewing your own Usage does not give you access to Billing or permission to top up.

Business Admins see Billing in place of Usage. It has three tabs: Usage, Card & limits and Pricing.

Usage: what your business spends on AI

See what your business spends on AI, by AI service and by user. Use Showing to choose This month, Last month, Last 30 days or Last 3 months.

• Total AI spend: what your business has spent on AI in the period.
• Top AI service: the service you spend most on, and its share of spend.
• Agent runs: the number of agent runs, and how many AI services were used.
• Users using AI: how many people used AI, and who used it most.
• Spend over time and Spend by AI service: daily spend and the split by service (for example, Notetaker, AI Insights and Notetaker Templates).
• Leaderboard and Usage by user: spend for each person. Select a user to see their usage.

Figure 14 Billing › Usage, showing spend for the whole business.

Card & limits: top up AI usage

Each user with AI turned on is $30.00 a month, used or not, and includes $30.00 of AI usage. To let people keep using AI after that, give them an extra limit. The cards at the top show AI turned on (users and monthly cost), Included usage used, Extra usage and when usage Resets.

1. Select Billing, then Card & limits (see Figure 3).
2. Under Business limit for extra usage, enter the most your business can spend on extra usage, or tick No limit. When the whole business reaches this limit, AI stops for everyone until the reset date.
3. Scroll down to Users. Use the AI toggle to turn AI on or off for each person, then set their extra limit: No extra, Up to a dollar amount, or No limit. The table also shows each person's AI allowance used, Extra used and Used this month.
4. Select Save changes.

Payment and invoices

AI is billed monthly on its own invoice, separate from your regular subscription. Amounts exclude GST.

• Select Add card so your AI invoices are paid automatically. No card is needed until 30 November 2026.
• Current period (in progress) shows your AI seats and charges so far, and the date the invoice will be issued.
• Previous AI invoices lists past invoices. Select Download PDF for a copy.

Pricing: what AI costs

The Pricing tab lists what AI costs your business. Prices are in AUD and exclude GST.

09 · FAQS

Tips and frequently asked questions

Tips

• Upload everything first. The audit can only check what's on file. Use the Documents that would help verify list to request missing items, then run it again.
• Treat results as a checklist, not a decision. Confirm every issue against the original documents before you act. The report is an automated verification, not a credit assessment.
• Set limits early. Business Admins can set a business limit and an extra limit for each person in Billing › Card & limits before usage grows.
• Give read-only access. When creating your 1Password service account, share only the vaults agents need.

Frequently asked questions

Does Effi store my lender portal passwords?

No. Agents use logins saved in your connected 1Password or Zoho Vault by reference. Secret values are never displayed in the portal or the chat, and the token is stored encrypted and scoped to you.

Do I need to watch the agent?

No. Agents run in the background, so you can keep working. Check progress and results any time in Tasks.

Where do the details for an agent come from?

From the lead's enquiry and fact find. You can review and edit them before starting the agent.

I can't see an agent I expected.

Agents are enabled per business. Ask your Business Admin or Effi account manager to check availability.

Why is an agent greyed out or showing "Not set up"?

It still needs logins or inputs linked. Open Agents, select Configure, and follow the checklist shown on the card.

Can I run the audit more than once?

Yes. Each run is saved as its own task, so you can re-run after the client sends more documents and compare results.

Why can't I access Billing or top up?

Billing and top-ups are restricted to Business Admins. Contact your Business Admin if you need additional AI usage.

What happens when a spending limit is reached?

When a person has used their included $30.00 and any extra limit, AI stops for them. When the business reaches its Business limit for extra usage, AI stops for everyone. Either way, AI starts again on the reset date, or a Business Admin can raise the limit.

Does it cost anything?

The Agent Centre is free for all Effi customers until 30 November 2026. Your invoices still list everything you use, then a launch discount brings them to $0.00. After that, each user with AI on is $30.00 a month, which includes $30.00 of AI usage. Business Admins can see all prices in Billing › Pricing.

Can I change how an agent works?

Yes. Agents can be tailored to your process. Contact your Effi account manager or email support@effi.com.au.

Need a hand?

Contact Effi Support from the Support link at the bottom of any page in Effi, email support@effi.com.au, or reach out to your Customer Success Specialist.