LIXI Standards

LIXI2 Standards

With almost 500 elements and over 2000 attributes, the LIXI2 standards cover an enormous range of application data for applicant types including individuals, trusts, & companies. Standards are available to LIXI Members and Licensees via the Downloads page.

Product Types

Incorporating applications for (but not limited to) :

  • Residential Mortgages
  • Commercial Mortgages
  • Business Lending
  • Consumer Loans
  • Credit Cards & Lines of Credit
  • Equipment Finance & Leasing
  • Deposit Products associated with Credit Products

Data Areas

  • Broker interview & needs analysis
  • Applicant details
  • Proof of Identity, Income & Expenses
  • Product details
  • Security and title details
  • Workflow details including work instructions, status updates and event notifications
  • Employment details
  • Income, Expenses, Assets & Liabilities

Electronic Guidebook

This standard (EGB) provides a standardised mechanism for publishing an Electronic Guidebook (EGB) that fully describes the internal business requirements needed in order to gather and transmit a complete Credit Application.

The EGB standard covers three general areas:

  • A description of the data required and how each element maps back to the relevant LIXI2 Transaction Standard (CAL or CNZ)
  • Definition of how the lender requires both on-screen and print forms (layout, order, field names etc) to appear
  • Rules about the product and the submission of an application including various validation rules.

Credit Applications

Credit and associated deposit products applications from CRM or point of sale systems through mortgage/finance aggregation systems and to/from lenders/financiers electronic lodgement gateways.

  • Australia (CAL) and New Zealand (CNZ)
  • Full Assessment
  • Indicative Assessments
  • Quotes
  • Account Variations
  • Application Resubmissions
  • Uploading Supporting Documents
  • Status Updates, Events and Error Backchannels

Document Preparation (DAS)

The Document Preparation and Settlements standard enables a Lender to submit an electronic request to a document production system to prepare "Document Packs" and to specify the method of document return or to send settlement instructions to settlement agents/lawyers.

  • Document Preparation Requests
  • Settlement Requests

Credit Decisioning (CDA)

A platform independent method of interfacing credit origination systems with credit decision systems, facilitating:

  • Scoring
  • Identity verification
  • Fraud checking
  • Policy verification
  • Security register checking
  • Credit worthiness
  • Decision making

Serviceability (SVC)

A platform independent method of interfacing credit origination systems with serviceability calculators incorporating:

  • Calculation Requests and Responses
  • Reports of the Serviceability Calculations Used
  • Detailed Calculation Results for Groups and Individuals

LIXI1 Standards

There are LIXI1 standards for a range of transactions:

Credit Applications

The Credit Application Language (CAL) standard was the first standard developed by LIXI and enables the electronic submission of residential mortgage applications and is widely used by the majority of lenders, aggregators and brokers.

Back Channel

The Back Channel standard enables electronic status and progress messages between lenders and loan-writers. Examples of such messages include: 'application received'; 'conditional approval'; and 'valuation ordered'. The functionality provided by the Back Channel standard for credit applications was migrated into the LIXI 2 format in the CAL standard in June 2015, and the same capability is built in to any LIXI2 transaction standard going forward.

Mortgage Insurance

The standards produced for Lenders Mortgage Insurance enable the electronic lodgement for requests a quote and gaining approval for mortgage insurance between lenders and mortgage insurers. There are two standards relating to mortgage insurance, one developed by Genworth, the other developed by QBE LMI. Both standards are in line with the LIXI application standard (LIXI1 CAL). The standards are widely available to lenders and can be obtained by contacting the mortgage insurers.


The valuations standard enables electronic messaging between lenders and valuers (and related service providers) in order to make valuation requests and to return the results.


The products standards allows the messaging of data that describes a lender's products, such as rates and fees. The lenders can provide this information to third party brokers and to service providers who may have developed lending tools such as loan qualifier or loan comparison software. The aim is to allow for electronic updates to be passed through from the lender, when changes are made to rates and/or fees. Parties to this standard are lenders and providers of the loan tools.

Title Insurance

The Title Insurance Standard relates to the process by which the lender requests and receives title insurance, to insure the title or legal ownership of a property for the lender. The parties to this standard are lenders and providers of the title insurance.


The Commissions standard was developed to standardise the data messages describing the commissions payable by lenders to third party brokers (including up front and trail commissions).


The Settlement Standard enables issue of electronic instructions between Lender and Solicitor or Settlement Agent. It defines a full data set that enables a lender to replace its existing manual instruction process (whether by fax, email or mail) with an electronic LIXI transaction. Version 1.0 of the standard is in use by a number of lenders and settlement agents since 2005