Customer engagement
- The customer asked to be contacted by an adviser.
- The customer's indicative review was delivered and opened.
- The customer recorded a preferred contact time.
- Only one adviser can hold this opportunity at a time.
Fictional example
See what the adviser gets
Not a cold lead. A conversation already started. See exactly what you can review before securing an opportunity, and everything released to you afterwards.
Before securing, and after securing
Fictional example
The same fictional scenario the client saw. Before securing: the masked opportunity, mortgage and lending information, region, indicative potential benefit, the opportunity price and the indicative commission potential. After securing: the customer information, the customer review as delivered, the adviser explanation and calculation summary, the customer communications and suggested discussion points.
What you see before securing the opportunity
Fictional example
Existing homeowners — identity withheld until secured
Available
- Client type
- Existing homeowners reviewing an expiring fixed rate
- Region
- Waikato
- Lending discussed
- $640,000
- Current rate
- 6.85% p.a.
- Remaining term
- 26 years
- Fixed rate expiry
- 30 November 2026
- Customer contact timing
- Weekday evenings after 5.30pm
- Indicative customer benefit over the remaining term
- $356,718
- Potential term reduction
- 6 years 10 months
- Illustrative commission potential
- $5,440
- Cost to secure this opportunity
- $250
Commission potential is illustrative only, shown at an assumed 0.85% upfront on the lending discussed. It is not a guaranteed or expected payment. Actual commission depends on the lender, the final lending amount, the structure written and your own accreditation and agreements.
Withheld until secured
- Customer name
- Email address
- Mobile number
- Street address
Enough information to make an informed decision, without exposing the customer's identity.
What you receive after securing it
Fictional example
1. Client information and core data
- Customer
- Sam and Ana Demonstration (fictional example)
- Contact details
- Released in full to the adviser who secures the opportunity
- Preferred contact
- Phone call, weekday evenings after 5.30pm; text first if no answer
- Property
- Hamilton East, Waikato (fictional address)
- Lending
- $640,000
- Current rate
- 6.85% p.a.
- Remaining term
- 26 years
- Fixed rate expiry
- 30 November 2026
- Property value
- $1,010,000 (customer estimate)
- Loan to value
- 63%
- Objective
- Reduce the repayment at the November roll-off, or shorten the term
2. Adviser analysis and evidence
- Customer inputs used
- Balance, rate, remaining term, repayment frequency and property value as supplied
- Current repayment
- $4,398 per month
- Comparison repayment
- $3,745 per month
- Comparison rate
- 5.29% p.a.
- Cash contribution modelled
- $5,760 (0.9% of new lending, 36 month clawback)
- Scenario 1 interest reduction (same term)
- $197,854
- Scenario 2 interest reduction (repayment held)
- $356,718
- Indicative benefit over the remaining term
- $356,718
- Term reduction basis
- Repayment held at $4,398 per month at the comparison rate
Rates considered
- Demonstration Bank A — 5.29% p.a. 1 year fixed. Used as the comparison rate
- Demonstration Bank B — 5.39% p.a. 1 year fixed. Cash contribution 0.9% of new lending
- Demonstration Bank C — 5.45% p.a. 18 months fixed. Considered, not used for the headline figure
How to check the calculation
- 1.Take the balance, rate and remaining term the customer supplied.
- 2.Calculate the current repayment on those figures.
- 3.Recalculate the repayment at the comparison rate over the same remaining term.
- 4.Take the difference between the two repayments.
- 5.Total the interest charged over the remaining term under each rate.
- 6.Apply any lender cash contribution to the new lending amount.
- 7.Re-run the loan at the comparison rate holding the original repayment to obtain the shorter term.
- 8.Compare total interest on both paths to obtain the indicative benefit over the remaining term.
3. Customer communications and journey
Customer completed their mortgage review
Figures supplied by the customer
Indicative review delivered to the customer
Email and text message
Customer opened the review
Twice, on two separate days
Customer asked for adviser contact
Authority and contact preference recorded
Opportunity secured by an adviser
Customer details released to that adviser only
Customer told who will contact them
Adviser name, business and contact details sent to the customer
The pack can also be exported as PDF and CSV for your own records.
Fictional demonstration content. The figures shown here are the same figures used in the customer report and masked opportunity examples above.
Choose the conversations that suit you
Set the regions, lending values, customer types and other criteria that suit your business right now. ClientConnection shows you which available conversations match those preferences and why.
- Your Listing describes what you can do.
- Your Opportunity Preferences describe what you want right now.