Trail book calculators
Model trail commission, run-off, clawback exposure and book value with assumptions you control.
Open the calculators →The back-book tool we built for our own brokers.
We already run a successful Australian mortgage brokerage. MyLoanBook shows our brokers what each client still has on the book — every active loan and current balance — and where trail income is quietly stopping.
Now we're opening it to brokers outside our own firm.
Book health
+3 since July78Good
Run-off14.2%
Reviews current88%
Clawback safety58
Aug trail
$6,214
Streak
6 weeks
Reviews due
7
Book health and lost trail$51.21m
illustrative loan book
20% → 10%
modelled run-off scenario
$7,682
modelled annual trail retained at 0.15% p.a.
Worked example, not an observed customer outcome. Change the assumptions in the run-off calculator.
Illustrative run-off calculator
What's it costing you?
Modelled trail at 0.15% p.a. of book. The five-year figure compounds each year's lost loans; replace the defaults with your figures.
Lost over five years
$177,498
Annual trail
$76,815
Lost this year
$15,363
Kept each year if runoff is halved
$7,682
One goal: clients stay on your book.
See all features →01 · KNOW IT
Know what your client actually has
Which loans are still open, the balance the lender is paying trail on, and the fixed and IO dates — rebuilt from each statement, for every client on the book.
Active loansBalance net of offset (est.)Fixed and IO expiry
Explore client position →
Client position02 · SEE IT
See where the trail is leaking
Lost and gained clients each month, trail that disappeared, and borrowers making large repayments before they refinance.
Month-on-monthMissing trailLender mix
Explore see where the trail is leaking →03 · PROTECT IT
See clawbacks coming
Every loan inside its clawback window, time remaining and an exposure estimate based on the applicable schedule.
Clawback windowExposure estimateDays remaining
Explore see clawbacks coming →04 · ACT ON IT
No review slips through
Manual reviews organised from settlement date, fixed expiry and IO conversion, with tasks and outcomes in one workflow.
Review scheduleTask remindersOutcome tracking
Explore no review slips through →05 · KEEP IT
Reprice in minutes
A manual board that tracks each client from first contact through lender offer to confirmed outcome.
Kanban boardManual playbooksOffer history
Explore reprice in minutes →Retention
Model the retention effect of proactive repricing.
Set a hypothetical share of clients repriced proactively. This scenario assumes annual churn moves from 30% toward 15% as coverage increases; replace those assumptions with your own book data.
Scenario baseline30% assumed churn
Modelled result26% assumed churn
75 of 100 clients stay.
Illustrative scenario only — not an observed MyLoanBook customer outcome.
Free lost-trail check
Find trail that stopped paying.
See how two consecutive LMG statements are compared to surface a loan that quietly stopped paying. Worked example — nothing to upload, and we never ask for your files here.
Two statements, one month apart
Watch a fictional LMG export be read, checked and compared — then see the loan that stopped paying.
Illustrative figures · no file is read on this site
Resources
Check the maths and the method before you sign up.
Practical broker guides
Read founder-written guides with worked examples, source notes and clear review dates.
Read the guides →Aggregator statement support
See how MyLoanBook handles aggregator commission files and new statement formats.
View aggregator support →Runoff score
1 / 4How often do you go through your commission statement line by line?
Valuation estimate
$184,356
Based on the $51.21m book above. Every lost client is money off the table when you sell.
Milestones in the app
First upload
Commission file analysed
3-month streak
Statements uploaded 3 months running
10 clients repriced
Moved through the repricing board
Clean quarter
90 days with no missed review
Simple pricing.
FROM $39.50 + GST/MONTHTrack trail on your own, add the client-retention workflow with Pro, or choose Complete for multiple brokers and white-labelling.
Trail Analysis
FOUNDINGTrack the trail book and find income that stopped
$39.50/mo + GST
Founding monthly price
$43.45 including GST
1 writing broker
- 1 writing broker
- Trail and commission tracking
- Lost-trail and missing-run review
- Run-off, lender mix and projections
Founder-led access
Pro
MOST POPULARTurn trail insights into client action
$89/mo + GST
Founding monthly price
$97.90 including GST
1 writing broker + 1 support user
- Everything in Trail Analysis
- 1 broker + 1 support user
- Reviews, repricing and client workflows
- Branded client portals — planned
Client portals release after live validation
Complete
FOUNDINGRun the back book across a branded brokerage
$149/mo + GST
Founding monthly price
$163.90 including GST
3 writing brokers + 3 support users
- Everything in Pro
- 3 brokers + 3 support users
- Firm-wide controls and reporting
- White-labelled outputs and portals — planned
Assisted onboarding during team validation
Prices are in AUD and exclude GST. Every plan is month-to-month with no lock-in; cancel anytime. Production billing is not yet enabled. Apply for founding access.
FAQ
Questions brokers ask first.
What does MyLoanBook do?
It turns aggregator commission statements into a continuously maintained view of trail, missing income, book risk and retention opportunities. It is a back-book operating system that sits alongside your existing CRM rather than replacing loan origination.
Can I see which loans a client still has open?
Yes. MyLoanBook rebuilds each client's position from your commission statements: every loan still paying trail, the balance the lender calculated that trail on, and the settlement, fixed-rate and interest-only dates. Where a loan sits in offset, the offset balance is shown as an estimate derived from the trail actually paid, because lenders do not report it directly.
Which aggregators are supported?
MyLoanBook supports multiple aggregator statement formats. If your commission statement uses a format we do not recognise yet, our dev team will add support within 24 hours of receiving the file.
Do I have to upload anything to try MyLoanBook?
No, and this website will not accept a commission file at all. The lost-trail example on the home page is an illustration built from fictional figures, so your statements are never handled outside the product. Real statements are read only inside the app, after an approved founding user creates an account and chooses to import them.
How much does it cost?
Founding plans are $39.50 for Trail Analysis, $89 for Pro and $149 for Complete per month, excluding GST. Trail Analysis is for one broker and trail tracking only; Pro adds one support user and the client-retention workflow; Complete is the multi-broker plan. Every plan is month-to-month with no lock-in. Production billing is not active yet; access is currently founder-led.
Who is it for?
Australian mortgage brokers and small brokerages that need an accurate back book and a repeatable retention workflow without replacing the CRM they use to write new loans.