ClientConnection.io
Qualified client conversations based on information customers have already supplied and indicative work already completed.
The conversation has already started before you see it.
Step 1
A customer completes their mortgage position on a customer-facing site: lending, structure, fixed rate expiry, property value and what they want to achieve.
Step 2
The customer receives an indicative review of their current position, including repayment comparisons and an indicative total benefit prepared from the figures they supplied.
Step 3
The opportunity only becomes available when the customer has asked for adviser contact and recorded how and when they wish to be contacted.
Step 4
Riverhorse reviews the record, prices it, and releases it to advisers. Nothing is released automatically without that review.
Each opportunity carries its own price, shown before you decide. There is no contract and no monthly fee: you pay only for the opportunities you choose to secure.
One fictional scenario, shown the whole way through: the review the customer receives, the masked opportunity you see, and the full pack released once you secure it. Every figure below reconciles across the three views. No real customer information is used.
Stage 1
The customer enters their own mortgage position and receives an indicative review of it.
Stage 2
The customer asks for adviser contact, and the reviewed opportunity is released to advisers with identity masked.
Stage 3
The adviser who secures it receives the customer details, the review the customer read and the replicable analysis behind it.
Stage 4
The adviser contacts the customer at the time the customer asked for, and the customer is told who will be calling.
Your mortgage review
On the fictional figures in this example, holding your repayment at $4,398 a month could reduce the interest charged over the remaining term by about $356,718 and finish the mortgage about 6 years 10 months earlier.
This is the report the customer received, shown in the same layout they saw. It is kept exactly as it was sent and does not change when rates or wording are later updated.
What the customer saw: mortgage balance over time
Both lines use the fictional balance of $640,000 and a repayment held at $4,398 per month. The current line uses 6.85%; the indicative alternative uses 5.29% with the $5,760 cash contribution applied to the loan.
Per month, as supplied
Per month, same term
Indicative
Remaining
If repayments are held
Indicative
Over the remaining term
Applied to the mortgage
You told us your mortgage is $640,000 at 6.85% p.a. with 26 years remaining, repaid monthly. Your fixed rate ends on 30 November 2026, so you can review the mortgage then without break costs. On those figures your repayment today is about $4,398 each month.
At a comparison rate of 5.29% p.a. over the same remaining term, the repayment would be about $3,745 each month.
If you kept the repayment at $4,398 a month at the lower rate:
The graph above shows your current mortgage against the indicative alternative with the repayment held at today's level. The alternative line reaches zero earlier because more of each repayment goes to principal.
Important information
These figures are indicative only. They are generated from the information supplied and rates published at the time, and they are not financial advice, a quote, a pre-approval or a lender offer. Your actual rate, cash contribution, repayment and eligibility must be confirmed by a registered financial adviser and the lender.
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