Protect Your Trail Book
Before Clients Refinance
Upload your client list and instantly identify which borrowers should review their loan — before they refinance with someone else. Estimate savings, engage proactively, and retain your trail income.
Morning Revenue Radar
Monday, 31 March 2026 • Good morning, Alex
$42,800
47
12
3
| Client | Loan Balance | Potential Saving | Score | Priority | Actions |
|---|---|---|---|---|---|
| Sarah Mitchell | $680,000 | $4,200/yr | 92 | High | |
| James Cooper | $520,000 | $3,100/yr | 87 | High | |
| Emily Watson | $445,000 | $2,800/yr | 81 | Medium | |
| David Chen | $390,000 | $2,400/yr | 76 | Medium | |
| Lisa Park | $310,000 | $1,900/yr | 71 | Medium |
Your Trail Book Is Leaking Revenue
Every year, brokers lose clients who refinance elsewhere — often without warning. That means lost trail commissions, lost relationships, and lost upfront revenue from the refinance itself.
Silent Attrition
Clients refinance with other brokers or lenders without telling you. By the time you find out, it's too late.
Lost Trail Income
Each lost client means years of recurring trail commission income gone — often worth $1,000–$3,000+ per year.
Missed Conversations
Most brokers don't have time to proactively review every client. Opportunities slip through the cracks.
How TrailGuard Works
Five simple steps to protect your trail book
Upload Your Client List
Import your client book via CSV with smart column mapping. Auto-detect fields and validate data.
Detect Opportunities
TrailGuard analyses rate gaps, loan age, fixed expiry, and review history to surface loan review opportunities.
AI-Powered Engagement
Send SMS campaigns or call manually. AI classifies every reply and triggers the right action — booking links, snooze, or opt-out.
Book Reviews
Send booking links, schedule loan review meetings, and track outcomes — retained, lost, or follow-up.
Track Commissions
Upload aggregator statements, reconcile trail payments, detect variances, and project lifetime value.
Trail Book Health Check
Get a complete diagnostic of your client portfolio. See how many clients have review opportunities, which triggers are firing, and estimate both borrower savings potential and your revenue opportunity.
- Rate gap analysis against benchmark rates
- Loan age and fixed expiry tracking
- Borrower savings potential estimates
- Broker revenue opportunity estimates
- Priority distribution and trigger breakdown
Trail Book Health Check
Total Clients
312
Review Opportunities
47
At-Risk Clients
23
Avg. Rate Gap
0.82%
Trigger Breakdown
Revenue Estimates
Borrower Savings Potential
$142,600/yr
Estimates only — based on rate gap analysis
Broker Revenue Opportunity
$89,400
Upfront + trail commission estimates
Opportunities Pipeline
23
Review Due
12
Contacted
8
Replied
5
Booked
3
Retained
AI That Classifies Every Reply
Send SMS campaigns or call manually — either way, AI classifies every client reply into six intent categories and triggers the right action automatically. Interested clients get booking links. "Not now" gets snoozed. "Stop" gets opted out. You focus on the conversations that matter.
- AI intent classification: interested, not now, stop, question, already refinanced, unclear
- Automated actions: booking links, snooze, opt-out, stage updates
- Compliance engine flags revenue mentions in borrower messages
- SMS campaigns with AI-powered response handling
- Manual calling workflow with AI classifying any SMS replies
- Engagement memory tracks patterns over time
Track My Trail Commissions
Upload your aggregator trail commission statements and instantly reconcile payments against your client book. Detect missing payments, underpayments, and variances — then project the lifetime value of your trail book.
- Aggregator report upload and parsing
- Automatic payment reconciliation
- Missing payment and variance detection
- Commission analytics by lender and loan type
- Lifetime value projections per client
- Full reconciliation audit history
Trail Commission Reconciliation
Expected
$4,348.30
Received
$3,183.00
Variance
-$1,165.30
| Lender | Expected | Actual | Variance | Status |
|---|---|---|---|---|
| ANZ | $1,245.00 | $1,245.00 | $0.00 | matched |
| CBA | $892.50 | $847.20 | -$45.30 | underpaid |
| Westpac | $634.00 | $634.00 | $0.00 | matched |
| NAB | $1,120.00 | $0.00 | -$1,120.00 | missing |
| Macquarie | $456.80 | $456.80 | $0.00 | matched |
Messaging Wallet
Balance
$142.95
This Month
$57.05
Auto Top-Up
Active
SMS (AU)
$0.15 per message
$0.20 per message
Included
| 31 Mar | SMS Campaign — Rate Review | -$7.05 | $142.95 |
| 30 Mar | WhatsApp — Follow Up | -$2.40 | $150.00 |
| 28 Mar | Auto Top-Up | +$100.00 | $152.40 |
| 27 Mar | SMS Campaign — Fixed Expiry | -$4.65 | $52.40 |
Messaging Wallet
Email and manual calls are included in your subscription. SMS and WhatsApp messages are charged per-message from your pre-paid wallet — with full cost transparency before you send.
- Email & manual calls included free
- SMS & WhatsApp charged per-message from wallet
- Auto top-up when balance drops below threshold
- Per-message cost estimates before sending
- Usage analytics by channel, broker, and campaign
- Market-specific pricing with country rates
Simple, Transparent Pricing
Protect your trail book for less than one refinance commission per year
Stop Losing Clients to Refinance
Most brokers recover the cost of TrailGuard with a single saved refinance. Start protecting your trail book today.
Book a Demo