Stop paying Effi by the head. Own your brokerage system.

Fixed terms ending are when a client gets a better offer from someone else. Every expiry shows the balance and how long since anyone at the brokerage spoke to that client.

• check Every fixed rate ending in the next ninety days, soonest first
• check Rates that have already rolled off, so the client is paying variable right now
• check Expiries where nobody has called in over a month
• check Annual reviews past due, by broker, so the clients who go quiet do not quietly leave

Each loan carries its own deadlines. The ones closest to falling over come first, with the person who owns them.

• check Finance due within five days with no approval recorded
• check Pre-approvals running out on clients who are still looking
• check Applications at a lender with nothing logged in ten days
• check A deal cannot move to submitted while the client's identity checks are missing

Your aggregator and lender terms are stored as records, so each settlement has an expected upfront and each statement is checked against it.

• check Upfronts still unpaid a month after settlement, named and added up
• check Payments that came in short, by lender, to the dollar
• check Every loan still inside a clawback window, with the amount at risk
• check Trail income by lender and year, worked out from the same records

There is no reporting tier. Any question about your own records can be asked in plain English, and any answer can become a standing view.

• check Questions about referrers, lenders and broker workload, answered from your own data
• check A compliance check against the NCCP Act and the Best Interests Duty, every rule naming its source
• check Refix letters, review packs and settlement summaries carrying your brokerage's name
• check Open source under the MIT licence: nothing to renew, nothing deleted when you stop paying