Track My Trail: Mortgage Broker Software To Find Your Lost Trail [Australia]

Q: Does Your Free Trial Require A Credit Card?

Absolutely not. It is a trial, after all. We think mortgage broker software that forces you to give payment-related information in a trial is silly—so we don’t do it. After the trial period, you can decide whether you get enough value from our software to pay for it.

Q: Can Track My Trail Help in Tracking Financial Performance for Brokers?

Absolutely. Track My Trail excels in providing detailed financial tracking, including insights into month-on-month performance and yearly trail book values, which are crucial for effective financial decision-making in mortgage brokerage. It also offers insights into both your monthly trail commissions and upfront trail commissions.

Losing trail and have no idea why?
It doesn't have to be this hard.

More loans written. Less trail received.
It doesn’t make sense, but you’re not sure why.

Time to turn it around.

Track My Trail gets you back to growth.

We analyse your trail book to show you what’s missing, what’s declining, and what’s at risk.

Leave the number-crunching to us while you focus on growing your business.

In 30 seconds, immediately identify:

Your Missing Trail Commissions
Your Lost And Gained Clients
Clients Making Large Repayments
Your Most Profitable Clients
Lenders You Write The Most Loans For
Upfront At Risk of ClawbackNew
Lifetime Customer ValueNew
The Market Value Of Your BookNew
Clients Due For a RefinanceNew

Join thousands of Australian brokers taking back control of their income.

Get started for free No credit card · 7 day free trial

Steve Carton

Mortgage Broker at Relax Home Loans

Track My Trail picked up $1,450 from an account that went 25 months unpaid. Had no idea it was sitting there until the tool flagged it - the app paid for itself!
I love that they continue to improve it and give me instant data on areas of my business I should focus on.

Track & Grow Your Trail Book

Get a clear picture of your trail book so you can get back to growth.

Loading chart data...

Supported Mortgage Aggregators

AFG

LMG

SFG

Finsure

Vow

Connective

And Many Others

You can view all of the aggregators we support here.

Are we missing your aggregator? Let us know and we’ll do our best to add them.

Tracey Franco

Director at FinanceCorp, Connective Broker

As an owner of a larger brokerage with multiple trail books, our needs for an efficient tracking system are complex.
Track My Trail provides exceptional service, seamlessly integrating with our existing systems, and simplifying trail tracking.

We Do The Hard Stuff And Just Give You The Insights 💡️

You shouldn’t need a PhD in Excel to analyse your trail book - let software make it easy

Get An Instant Snapshot Of

Your Lost And Gained Clients

Immediately see which clients you’ve lost and gained over the last month.

Where You’re Losing Trail

See how much trail you’re losing from discharged clients and clients paying off their loans.

Your Most Profitable Clients

Identify which clients bring in the most trail, allowing you to prioritise your retention efforts.

A Breakdown of Your Top Lenders

Understand which lenders you write the most loans for, allowing you to negotiate better service terms.

How You’re Doing Month-on-Month

Get a monthly snapshot of where you sit compared to last month.

Your Total Yearly Trail Book

Understand your total yearly revenue based on your latest month’s trail.

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See Where You Sit Month-on-Month

Get insight into your total trail gained, lost, and your net change in trail month-on-month.

Trail added (Inc. GST)

$44,376/month

Trail lost (Inc. GST)

$18,556/month

Net change (Inc. GST)

$25,820/month

No Time? No Worries.

Get a quick “snapshot” of your trail book—perfect for when you don’t have time for a deeper analysis.

Total loan book

+$6.7 mil

$52 million

Total outstanding loan balance

Across all residential and commercial loans

Yearly trail income

+$13.9k

$119,457

Annual income projection

Based on most recent month

Upfront this month

+$3.9k

$25,667

Upfront commission payment

From settled loans this month

Number of clients

+12 clients

111 clients

Active client base

Clients with active loans

Income from your top 10 clients

33.2%

Income concentration

Revenue from top clients

Clients generating 50% of your income

21 clients

Generate 50% of your income

Top income contributors

Income from your top 3 lenders

57.3%

Lender concentration

Revenue from top lenders

Track The Size Of Your Book

See Your Lost And Gained Clients

Immediately see which clients you’ve lost and gained over the last month, and how much corresponding trail was lost or gained.

Note the tables below were built for display on desktop, not mobile

Clients Lost 👋🏻

Client	Account Number	Loan Balance	Lender	Trail Lost Per Month
Cindy Baker	# 784600989	$1,203	Bankwest	$0.14
Jon Lovitz	# 204191245	$195,177	ANZ	$390
Jordan Belfort	# 435687582	$164,939	P&N Bank	$340
Kareem Serageldin	# 881313431	$31,230	ME	$37.60

Clients Added ✅

Client	Account Number	Loan Balance	Lender	Trail Added Per Month
Curtis Hunt	# 421810946	$21,795	ANZ	$21.33
David Jones	# 403939006	$20,221	Bankwest	$19.79
Mark Myers	# 886122763	$21,150	Macquarie Bank	$20.70
Scott Cochran	# 731290081	$51,000	Pepper Money	$50.45
Jessica Harris	# 289602399	$57,225	Westpac	$56.28
John Smith	# 592243385	$25,100	St George Bank	$24.55
John Apple	# 406357110	$116,492	St George Bank	$114
Smith Smithy	# 418700947	$132,842	St George Bank	$130
Johnny John John	# 438948187	$195,177	St George Bank	$191
Anthony Morrison	# 320910291	$503,230	NAB	$492
Scott Albanese	# 456453232	$740,000	Bendigo Bank	$724
Jeremy Powell	# 534298563	$1,232,000	Commonwealth Bank	$1,205

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Who’s Making You The Most Money?

Identify which clients bring you the most trail, allowing you to prioritise your retention efforts.

Client	Total Paid This Month	Percent Your Total Income	Percent of Total Cumulative	Yearly Income
Elon Busk	$1,299	4.7%	4.7%	$15,588
Jeff Mezos	$1,170	4.3%	9.0%	$14,040
Gina Ginehart	$1,131	4.1%	13.1%	$13,572
Clive Ralmer	$1,074	3.9%	17.0%	$12,888
Bill Pates	$1,020	3.7%	20.7%	$12,240

Discover Clients Making Large Loan Repayments

Identify existing clients who have made large loan repayments.

Use this to gain deeper insights into your lost trail, and highlight opportunities to engage clients with new loan offerings.

Client	Account Number	Total Paid This Month	% Balance Paid Since Last Period	Loan Balance Remaining	Trail Lost Per Month
Teresa Tucker	# 285428087	$398,736	50.1%	$396,518	$48.5
Corey Bailey Jr.	# 921199058	$312,193	47.2%	$350,151	$38.0
Justin Miles	# 857830774	$262,769	24.3%	$818,317	$32.4
Katherine Glover	# 782464055	$225,011	76.7%	$68,375	$27.1
Tabitha Jones	# 466849373	$200,474	50.0%	$200,624	$24.4
Paul Smith	# 671235150	$204,923	15.9%	$1,089,866	$20.7

Who Are You Taking Care Of?

Don’t settle for a one-way relationship—see which lenders you prioritise and use this to strengthen your bargaining power.

Lender	Total Paid This Month	Percent of Total	Percent of Total Cumulative
NAB	$2,260.90	27.9%	27.9%
ANZ	$1,498.39	18.5%	46.4%
Commonwealth Bank	$1,218.80	15.0%	61.4%
Bankwest	$1,201.99	14.8%	76.3%
Bendigo Bank	$924.00	11.4%	87.7%
Macquarie	$497.52	6.1%	93.8%
Westpac	$331.68	4.1%	97.9%
St George Bank	$170.20	2.1%	100.0%

See How Your Team Is Doing

Get a clear picture of the trail each broker brings to your firm.

Broker	Total Loan Balance	Total Monthly Trail	% of Firm's Total Trail Book	% Cumulative of Firm
Blake	$6,594,433	$5,053	62.4%	62.4%
Shelley Levene	$7,703,954	$1,086	13.4%	75.8%
George Aaronow	$7,840,481	$1,061	13.1%	88.9%
Dave Moss	$7,514,004	$899	11.1%	100.0%

Nissar M

Mortgage Broker, Amanah

Every month I look forward to checking my trail book in Track My Trail to see how my business is growing.

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Minimise Clawback

Monitor loans within their clawback period and get an actionable list of high-priority loans.

Total risk exposure

-8% YoY

$45,250

Potential clawback amount

Across 24 upfront loans

Near-term risk

●8 ●12

$18,500

20 loans require attention

Safe from clawback within 6 months

Loans at risk

21%

32

Total loans in clawback period

Across 5 lenders, 2 aggregators

Safe this quarter

5 loans

$9,001

Becoming safe within 90 days

If clients stay, this risk resolves

Risk by priority

Risk by lender

Highest Priority

5 loans are under 90 days away from being safe from clawback. Consider a proactive check-in to ensure client retention.

Client	Lender	Risk Amount	Time Remaining
M. Comyn	CBA	$2,450	12 days
A. Miller	Westpac	$2,283	28 days
A. Irvine	NAB	$2,032	45 days
N. Matos	ANZ	$1,578	52 days
N. Moore	Macquarie	$657	67 days

Maximise Lifetime Value

See exactly how much value each client has brought you - and how much they’re projected to bring over time

Average Discharge Time 20-Year Lifetime 30-Year Lifetime

Active loans

128

128 active loans 156 total loans

Discharge time

7.3

avg. years

28 discharged loans since May 20

Realised lifetime earnings

$57,500

Realised window May 20 - Jan 26

Projected lifetime value

$128,000

Assumes avg. discharge time Active loans only

Realised per active client

$1,369

35 of 42 clients active 83%

Projected per active client

$3,048

Assumes avg. discharge time Active loans only

Realised versus projected trail earnings

Displays cumulative trail earnings and the expected continuation under the selected scenario.

Client Lifetime Value

Sorted by projected trail revenue for the current scenario. Select a row to inspect individual loans.

Client	Realised earnings	Projected value (12 yrs avg.)	Active loans	First payment	Last payment
M. Comyn View 3 loans	$9,870	$22,100	2 / 3	Jun 19	Jan 26
A. Miller View 2 loans	$7,100	$16,300	2 / 2	Mar 19	Jan 26
A. Irvine View 1 loan	$5,420	$12,200	1 / 1	Aug 19	Jan 26
N. Matos View 1 loan	$5,200	$11,800	1 / 1	Nov 18	Jan 26
N. Moore View 1 loan	$4,130	$9,300	1 / 1	Feb 20	Jan 26

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What Could You Sell For?

Get a realistic market valuation of your trail book - without the hassle of a lengthy valuation process.

We grade every loan and adjust for run-off, lender mix, and data quality to give you a professional-grade valuation in seconds.

Total valuation

2.45×

$385,750

$157,450 annual 2.45effective multiple

Net annual trail

+8% YoY

$157,450

Based on Dec 2025 $145,787 last year

Active loans

76% Retained

142

142 active loans 186 total loans

Loan age

+0.3 mos vs Last Mo

50.4

avg. months

Range: 6 months 12.5 years

Grade distribution

Grade	Loans	Trail %	Factor	Valuation
A	62	34%	2.85×	$172,000
B	44	23%	2.30×	$116,000
C	27	18%	1.80×	$92,000
D	18	13%	1.55×	$66,000
E	15	12%	1.25×	$60,000

Economic validation

Agreement

High

Grade-based

2.38×

Cash flow

2.52×

Well aligned

Both methodologies agree on valuation, providing confidence in the result.

Cash flow components

Discount rate (d_eff)

9.85%

Run-off rate (a_eff)

14.2%

Valuation modifiers

Run-off

+2.0%

Arrears

-2.0%

Clawback

-1.0%

Lender mix

+2.0%

Data quality

-0.5%

Total

+0.5%

Portfolio metrics

Run-off rate

14.2%

Annualised

Arrears rate

0.8%

Clawback rate

9.5%

Big 4 share

62%

Strong mix

Non-ADI share

18%

Healthy mix

Top lender

CBA

28% share

Loan valuations

142 active loans

Client	Lender	Balance	Monthly Trail	Annual Trail	Grade	Valuation
L. Taylor	Firstmac Non-ADI	$295,000	$89	$1,076	C	$1,883
J. Smith	CBA ADI	$485,000	$146	$1,770	A	$5,133
P. Anderson	Liberty Non-ADI	$890,000	$267	$3,248	A	$9,419
S. Johnson	Westpac ADI	$620,000	$186	$2,263	A	$6,563
R. Thomas	Bluestone Non-ADI	$415,000	$125	$1,515	D	$2,197
M. Williams	ANZ ADI	$380,000	$114	$1,387	B	$3,259
C. Jackson	La Trobe Financial Non-ADI	$525,000	$158	$1,916	B	$4,503
A. Brown	Resimac Non-ADI	$545,000	$164	$1,989	A	$5,768
E. White	Pepper Money Non-ADI	$340,000	$102	$1,241	E	$1,489
K. Davis	Thinktank Non-ADI	$720,000	$216	$2,628	B	$6,176

Never Lose a Client to a Competitor

See which clients are due for a loan review, prioritised by age and balance, so you can start the conversation before another broker does.

Eligible loans

5

Loans older than 2 years

Highest priority

2

Settlement age 3 to under 5 years

Reviewed (last 90 days)

0

Reviewed in last 90 days

Missing settlement

3

Excluded from review list

Lender

Aggregator

Priority

Low balance minimum

Refinance Finder Queue

Sorted by settlement age priority, with the oldest loans in the highest priority band. Active loans are those with a positive latest TRAIL balance and latest TRAIL payment in the current resolved reference month.

Loading rate review data...

Borrower	Loan ID	Lender	Balance	Settlement Date	Loan Age	LVR (proxy)	Priority
Thompson & Co	LN-0258	Westpac	$920,000	05 Aug 2021	4.5 yrs	74.1%	Highest
Chen Investment Group	LN-0391	NAB	$1,240,000	18 Feb 2022	4.0 yrs	55.3%	Highest
Smith & Partners	LN-0042	ANZ	$685,000	14 Mar 2018	7.9 yrs	48.2%	Secondary
Johnson Family	LN-0117	CBA	$512,000	22 Nov 2019	6.2 yrs	61.7%	Secondary
Williams Household	LN-0475	Macquarie	$348,000	30 Jun 2023	2.6 yrs	82.4%	Standard

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Reece Sacino

Director at Equitas Finance, AFG Broker

I used to spend hours in Excel trying to figure out whether new loans had come through and which clients were discharged. Now Track My Trail does it for me in 2 clicks.

Your Security, Our Priority

A pillar of cyber security is only storing what you need for as long as you need it.

That’s why our mortgage broker software—

Stores nothing by default—perform a quick analysis of your trail book without saving any data
Offers encrypted long-term storage only if you opt-in to track your performance over time
Never sells or shares information from your trail reports
Employs enterprise-level authentication, leveraging both SAML SSO and TLS 1.3 encryption for secure data transmission
Is protected by an advanced Web Application Firewall, preventing DDoS attacks, repelling bots, and detecting and neutralising security anomalies

All of this is to say—we take security seriously.

Feel free to contact us with any security-related questions.

Frequently Asked Questions

Click here to see a demo of how Track My Trail works.

Which Mortgage Aggregators Are Supported?

Our broker software supports all of the top Aggregators in Australia, including—

You can view our full list of supported aggregators here.

If you would like to request support for your aggregator, please get in touch and let us know 🙂️

Does Your Free Trial Require A Credit Card?

How Do Your Monthly And Yearly Plans Work?

We have two plans available: a monthly plan and a yearly plan.

If you sign up for the monthly plan, you pay month by month and can cancel whenever you like from your account page. If you cancel, you retain access for one month since your last payment date, and your subscription will not renew at the end of the month.

On a yearly plan, you pay for the full year upfront and get access to your selected plan for 12 months. You can cancel your yearly plan at any time from your account page to prevent being charged for the next year of access. If you cancel during the year, your plan will stay active for the full 12 months you’ve already paid for. Yearly payments are non-refundable, but you’ll continue to enjoy access until your subscription ends.

How Does Track My Trail Help Brokers?

As a custom-made mortgage broker software, Track My Trail offers streamlined management of trail books, client tracking, and financial analysis, enhancing the efficiency of mortgage brokers.

Track My Trail gives brokers an instant snapshot of:

Which clients you've gained or lost every month.
Who your top clients are.
Which clients are making large loan repayments.
Lenders you write the most volume for.

And much more. This helps you determine where your money is going each month and how to prioritise your retention efforts to manage runoff and keep your trail book growing.

What is Mortgage Broker Software?

Mortgage Broker Software is a digital tool that enhances mortgage brokers’ efficiency and productivity by automating and streamlining essential tasks.

It allows brokers to “do more with less”, freeing up their time from tedious administrative work such as data entry, and trail analysis.

Software can also assist with more complex tasks like mortgage broker compliance and valuing a mortgage broker business.

Why Should I Choose Track My Trail Over Other Mortgage Broker Software?

Other broker tools—such as Broker Engine, Quickli, Sherlok, Brokerpad, Hound Group, illion Bankstatements, CashDeck, Simpology and Sherlok—are all great at what they do.

Track My Trail stands out for its specialised focus on trail book analysis and financial performance tracking for mortgage brokers.

It allows you to be proactive instead of reactive.

Instead of chasing up clients after they've already dropped off, or realising that you're missing trail a year after it happened, you can catch these issues early—or before they even happen.

Our mortgage broking software is dedicated to providing in-depth insights and analytics for your trail book, helping you make more informed business decisions and grow your trail book.

Can Track My Trail Help in Tracking Financial Performance for Brokers?

Is Track My Trail Suitable for Different Sized Mortgage Brokerage Firms?

Yes—Track My Trail’s mortgage broker software is designed to cater to a diverse range of brokerage sizes, whether you're an independent, self-employed broker or part of a larger mortgage agency.

A wide range of brokers are already using the app to extract useful insights from their trail book, from self-employed brokers to large mortgage brokerage agencies—and even some subaggregators.

Most brokers either don’t look at their trail book at all, or spend hours debugging Excel errors that appear every month.

(we’re not sure which is worse).

A tool like Track My Trail saves a tremendous amount of time in analysing the data that you already have access to. You’re sitting on a mine of data, you just don’t know how to use it.

Track My Trail helps you uncover all the hidden gems of insights from your trail book.

The most common feedback we get after brokers use the app is “This is a no-brainer at this price, you should charge more”.

... we actually might take them up on that. Lock in your price now before it goes up.

How to analyse your trail book / Excel vs Track My Trail

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Still not sure whether Track My Trail is the right mortgage broker software for you?

Losing trail and have no idea why?It doesn't have to be this hard.

Time to turn it around.

Steve Carton

Track & Grow Your Trail Book

Supported Mortgage Aggregators

AFG

LMG

SFG

Finsure

Vow

Connective

And Many Others

Tracey Franco

We Do The Hard Stuff And Just Give You The Insights 💡️

Get An Instant Snapshot Of

Your Lost And Gained Clients

Where You’re Losing Trail

Your Most Profitable Clients

A Breakdown of Your Top Lenders

How You’re Doing Month-on-Month

Your Total Yearly Trail Book

See Where You Sit Month-on-Month

$44,376/month

$18,556/month

$25,820/month

No Time? No Worries.

$52 million

$119,457

$25,667

111 clients

33.2%

21 clients

57.3%

Track The Size Of Your Book

See Your Lost And Gained Clients

Clients Lost 👋🏻

Clients Added ✅

Who’s Making You The Most Money?

Discover Clients Making Large Loan Repayments

Who Are You Taking Care Of?

See How Your Team Is Doing

Nissar M

Minimise Clawback

$45,250

$18,500

32

$9,001

Risk by priority

Risk by lender

Highest Priority

Maximise Lifetime Value

Scenario selection

128

7.3

$57,500

$128,000

$1,369

$3,048

Realised versus projected trail earnings

What Could You Sell For?

$385,750

$157,450

142

50.4

Grade distribution

Economic validation

High

2.38×

2.52×

Valuation modifiers

+2.0%

-2.0%

-1.0%

+2.0%

-0.5%

+0.5%

Portfolio metrics

14.2%

0.8%

9.5%

Losing trail and have no idea why?
It doesn't have to be this hard.