LIXI Licence Overview & Fees

A range of licence options grant access to the standards to which our community has contributed over the past two decades. Licences are available for two territories, Australia and New Zealand - for use in other territories, please get in touch.

Development Licence

LIXI offers a development licence at no cost for a period of six months to organisations evaluating or developing to the LIXI Standard that are not yet in a production or live environment.

After this period, or when production or live use of the software commences, a paid licence or membership is required.

Click to apply

Production/Live Environments

Our licence categories grant access to individual standards for organisations whose use of the Subject Software in live environments is limited to specific transactions:

Comprehensive Licences

We also have comprehensive licences that allow the use of the subject software of all of our standards in a territory.

If you need access to multiple standards, it may be more cost effective to purchase a Comprehensive Licence which authorises you access to the full range of our standards in a territory.



Steps to get a Production LIXI Licence

LIXI Licence Flow


Licence Details by Transaction Type

Mortgage Origination (CAL, CNZ, EGB, ACC, ACZ)

The mortgage origination standards (CAL, CNZ, EGB) enable an organisation to participate in the electronic lodgement of a mortgage application including status updates & event notifications.
The Account Creation (ACC, ACZ) licence enables electronic messaging between lenders and loan servicing organisations, or lender core banking systems when creating a new loan account.

Territory Standards Included Up to 100 Transactions Per Month 100 to 500 Transactions Per Month Over 500 Transactions Per Month
Australia LIXI2
Credit Application (CAL)
Electronic Guidebook (EGB)
Account Creation (ACC)
L2-O1
$795 pa (ex-gst, AUD)
L2-O2
$2,370 pa (ex-gst, AUD)
L2-O3
$7,085 pa (ex-gst, AUD)
LIXI2
Account Creation (ACC)
L2-AC1
$795 pa (ex-gst, AUD)
*up to 800 transactions per month
L2-AC2
$2,370 pa (ex-gst, AUD)
*over 800 transactions per month
LIXI1
Application, Commissions, Products
O3
$795 pa (ex-gst, AUD)
O2
$2,370 pa (ex-gst, AUD)
O1
$7,085 pa (ex-gst, AUD)
New Zealand LIXI2
Credit Application (CNZ)
Electronic Guidebook (EGB)
Account Creation (ACZ)
L2-O1-NZ
$795 pa (ex-gst, AUD)
L2-O2-NZ
$2,370 pa (ex-gst, AUD)
L2-O3-NZ
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Non-Mortgage Credit Application (Asset Finance Origination)

These licences enable an organisation to participate in the electronic lodgement of an asset/equipment application finance only. This includes the Electronic Guidebook standard and the Credit Application standard.

Territory Standards Included Up to 800 Transactions (Quotations) Per Month 800 to 4,000 Transactions Per Month 4,000 to 20,000 Transactions Per Month
Australia LIXI2
Credit Application (CAL)
Electronic Guidebook (EGB)
Account Creation (ACC)
L2-E1
$795 pa (ex-gst, AUD)
L2-E2
$2,370 pa (ex-gst, AUD)
L2-E3
$7,085 pa (ex-gst, AUD)
LIXI2
Account Creation (ACC)
L2-EF-AC1
$795 pa (ex-gst, AUD)
L2-EF-AC2
$2,370 pa (ex-gst, AUD)
New Zealand LIXI2
Credit Application (CAL)
Electronic Guidebook (EGB)
Account Creation (ACC)
L2-E1-NZ
$795 pa (ex-gst, AUD)
L2-E2-NZ
$2,370 pa (ex-gst, AUD)
L2-E3-NZ
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Lead Generation for Credit Origination

These licences enable an organisation to participate in the electronic integration of a lead generation system with a CRM using the Credit Application Standard (CAL) only.

Territory Standards Included Up to 800 Transactions (Leads) Per Month 800 to 4,000 Transactions (Leads) Per Month 4,000 to 20,000 Transactions (Leads) Per Month More than 20,000 Transactions (Leads) Per Month
Australia LIXI2
Credit Application (CAL)
L2-LG1
$795 pa (ex-gst, AUD)
L2-LG2
$2,370 pa (ex-gst, AUD)
L2-LG3
$7,085 pa (ex-gst, AUD)

Contact LIXI to discuss
Other territories Contact LIXI to discuss

Click to apply

Document Preparation & Settlements

In LIXI1, the Settlement standard enabled electronic messaging between a Lender and Solicitor or Settlement Agent. The LIXI2 Documents and Settlements standard was expanded to incorporate full support for loan and mortgage document preparation as a discrete service.

Territory Standards Included Up to 100 Transactions Per Month 100 to 500 Transactions Per Month Over 500 Transactions Per Month
Australia LIXI2
Documents & Settlements (DAS)
L2-DAS1
$1,060 pa (ex-gst, AUD)
L2-DAS2
$2,650 pa (ex-gst, AUD)
L2-DAS3
$7,400 pa (ex-gst, AUD)
LIXI1
Settlements
S3
$795 pa (ex-gst, AUD)
S2
$2,370 pa (ex-gst, AUD)
S1
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Insurance

The Insurance Licence for Lender's Mortgage Insurance enables electronic messaging between lenders and insurers (either Lender's Mortgage Insurance, or Title Insurance) in the submission of quotes/applications for insurance, gaining approval for insurance, and returning insurance policy information including status updates.

Territory Standards Included Up to 100 Transactions Per Month 100 to 500 Transactions Per Month Over 500 Transactions Per Month
Australia LIXI2
Lenders Mortgage Insurance (LMI)
L2-I1
$795 pa (ex-gst, AUD)
L2-I2
$2,370 pa (ex-gst, AUD)
L2-I3
$7,085 pa (ex-gst, AUD)
LIXI1
Mortgage Insurance
Title Insurance
I3
$795 pa (ex-gst, AUD)
I2
$2,370 pa (ex-gst, AUD)
I1
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Valuations

This licence enables electronic messaging between lenders, valuation platform providers and valuers in ordering, executing and returning reports for real estate valuations.

Territory Standards Included Up to 100 Transactions Per Month 100 to 500 Transactions Per Month Over 500 Transactions Per Month
Australia LIXI2
Valuations (VAL)
L2-V1
$795 pa (ex-gst, AUD)
L2-V2
$2,370 pa (ex-gst, AUD)
L2-V3
$7,085 pa (ex-gst, AUD)
LIXI1
Valuations
V3
$795 pa (ex-gst, AUD)
V2
$2,370 pa (ex-gst, AUD)
V1
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Credit Decisioning

This licence enables electronic messaging between credit origination systems and credit decision systems in requesting credit assessments and returning results of credit assessments.

Territory Standards Included Up to 100 Transactions Per Month 100 to 500 Transactions Per Month Over 500 Transactions Per Month
Australia LIXI2
Credit Decisioning (CDA)
L2-CDA1
$795 pa (ex-gst, AUD)
L2-CDA2
$2,370 pa (ex-gst, AUD)
L2-CDA3
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Serviceability

This licence enables electronic messaging between credit origination systems and serviceability assessment providers in requesting serviceability assessments and returning serviceability assessment reports.

Territory Standards Included Up to 800 Transactions (Quotations) Per Month 800 to 4,000 Transactions Per Month 4,000 to 20,000 Transactions Per Month
Australia LIXI2
Serviceability (SVC)
L2-SVC1
$795 pa (ex-gst, AUD)
L2-SVC2
$2,370 pa (ex-gst, AUD)
L2-SVC3
$7,085 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply

Comprehensive Licences

This licence enables electronic messaging using all of the LIXI standards within that territory. For many organisations this will be the most cost-effective licence to hold if you are using multiple transaction types.

The four major lenders in Australia (CBA, ANZ, WBC, NAB) each hold a Master Comprehensive (MC1) Licence providing unlimited use of the standards including their wholly owned subsidiaries within the territory.

Territory Standards Included Up to 300 Transactions Per Month 300 to 1500 Transactions Per Month 1500 to 5000 Transactions Per Month Over 5000 Transactions Per Month
Australia LIXI2
Account Creation (ACC),
Credit Applications (CAL),
Credit Decisioning (CDA),
Document Preparation and Settlement (DAS),
Lenders Mortgage Insurance (LMI),
Serviceability (SVC),
Valuations (VAL),
& Electronic Guidebook (EGB)
L2-C1
$2,370 pa (ex-gst, AUD)
L2-C2
$7,085 pa (ex-gst, AUD)
L2-C3
$14,235 pa (ex-gst, AUD)
L2-C4
$14,235 pa (ex-gst, AUD)
Master Comprehensive
Applies to the four major lender organisations (CBA, ANZ, WBC, NAB) and their wholly owned subsidiaries, whose Use of the Subject Software is unlimited. All LIXI Standards, including LIXI 1.x based Standards Package, LIXI 2 Standards Package and EGB Schema
MC1
$136,120 pa (ex-gst, AUD)
LIXI1
Application, Commissions, Products, Valuations, LMI
C3
$2,370 pa (ex-gst, AUD)
C2
$7,085 pa (ex-gst, AUD)
C1
$14,235 pa (ex-gst, AUD)
C0
$14,235 pa (ex-gst, AUD)
New Zealand LIXI2

Credit Applications (CNZ)
& Electronic Guidebook (EGB)
(also includes the remaining AU standards as they are localised)
L2-C1
$2,370 pa (ex-gst, AUD)
L2-C2
$7,085 pa (ex-gst, AUD)
L2-C3
$14,235 pa (ex-gst, AUD)
L2-C4
$14,235 pa (ex-gst, AUD)
LIXI1
Application, Commissions, LMI, Products, Settlements, Valuations
C3
$2,370 pa (ex-gst, AUD)
C2
$7,085 pa (ex-gst, AUD)
C1
$14,235 pa (ex-gst, AUD)
C0
$14,235 pa (ex-gst, AUD)
Other territories Contact LIXI to discuss

Click to apply


How do I become a LIXI Licensee

LIXI licensing is only available to organisations with an ABN. To apply to become a LIXI licensee, please read and complete the LIXI Licensing Application Form, scan and send to admin@lixi.org.au

The application requires the following forms to be completed and submitted to LIXI:

  1. LIXI Licensing Application Form
  2. LIXI Licence Agreement (remember to initial document in space provided)

Once LIXI receives and accepts your licence application, an invoice will be raised. After payment is received, your licence will be activated immediately.

What if I need a LIXI 1 and LIXI2 licence?

It is recognised that there will be a 'hybrid' environment while licensees transition from LIXI 1.x based standards to LIXI 2 based standards. If a LIXI 1 licence and a LIXI 2 licence are held simultaneously, the cost will not exceed the higher priced of the two. LIXI is committed to enabling organisations to adopt LIXI 2 standards without incurring significant financial costs.

Definitions

Use of the Subject Software means use of Subject Software by the organisation or by clients of the organisation to create, send or receive messages based on LIXI standards, or to view or process data files based on LIXI standards. Unless specifically stated the transactions are restricted to within the Australian Territories.

Subject Software means software owned or used by the Licensee that incorporates and uses all or part of a LIXI Standard or Licensee Schema.

A Transaction means the set of LIXI messages associated with a single business process or transaction. For example, for a mortgage application this includes the first application, all related status update messages and any resubmission to the same lender for the same application. For a valuation this includes the valuation request and the response for a single property valuation transaction.

The above annual fees are effective 1 January 2022 and are exclusive of GST.

Last updated: 29 November 2021