Track My Trail vs Stryd comes down to commission analysis and client follow-up. Choose Track My Trail to explain paid trail and combine that history with consented loan-rate data. Choose Stryd when automated retention alerts and client communication are your priority. Use both when your brokerage needs those separate workflows.
Choose by the Question You Need Answered
Choose Track My Trail when your first question is why trail changed or which client needs a review. From two monthly aggregator reports, Quick Analysis separates added and dropped clients from large balance movements. It also adjusts the comparison for month length, so a shorter payment period does not look like unexplained runoff.
With stored Trail History, Missing Trail Analysis separates trail that stopped and later returned from discharged loans. That gives you the affected periods to raise with your aggregator. Refinance Finder adds a review queue based on settlement age and balance. With each client’s open banking consent, it also shows their current rate, balance and offset beside the trail figures.
Stryd suits a broker who wants ongoing loan monitoring connected to outreach. Its website describes daily monitoring, refinance alerts and email and SMS templates. AFG’s announcement also describes conversation tracking and client outreach within the Stryd workflow.
A commission statement establishes what your aggregator reported for a payment period. It cannot establish a borrower’s current negotiated rate or whether they intend to refinance. Track My Trail’s consented loan data supplies a separate source for the rate question. Using both services is useful when Stryd’s outreach workflow earns its place alongside your commission analysis.
Statement Data and Open Banking Compared
Statement data records the commission period, while consented open banking supplies account information from the borrower’s lender. Keep those sources separate when explaining a change to a client or querying a payment.
| Decision factor | Track My Trail | Stryd |
|---|---|---|
| Paid commission evidence | Analyses uploaded aggregator reports and stored history | Its published retention workflow centres on borrower-loan monitoring |
| Rate-review information | Refinance Finder combines settlement-based reviews with current account data when the client consents | Uses consented account data for loan monitoring and review alerts |
| Refresh arrangement | Statement analysis changes when you upload reports. Consented account data displays its last update | Advertises daily monitoring of connected client loans |
| Borrower permission | Report analysis works from your aggregator files. Account-level open banking requires each client’s consent | Borrowers opt in to account-data sharing and can withdraw consent |
| Following up a signal | Missing Trail Analysis supports an aggregator query. The review queue helps you select clients to contact | Includes email and SMS templates for consent requests and client communication |
Track My Trail reads the files your aggregator issues. It does not pull commission reports directly from the aggregator’s system. Quick Analysis stores nothing. Trail History is opt-in encrypted storage for comparisons across periods.
Stryd’s Consumer Data Right materials let borrowers choose a sharing period and revoke access. Its privacy policy says it stops collecting information under a withdrawn consent. An existing client record therefore does not establish that ongoing account-data sharing remains active.
For either service, the account data’s update time matters when you discuss a rate. A historical statement balance and a more recent account balance describe different moments. Neither a payment record nor a monitoring alert establishes a client’s intention to leave.
From an Alert to a Client Review
A rate-review signal starts a borrowing-cost conversation, while an income-loss signal starts a commission investigation. Treat the following as illustrative cases, not measured product results.
A Rate-Review Signal
A client’s connected account shows a rate above a relevant published product rate. In Track My Trail, Refinance Finder puts that account data beside the trail history. Lender Rates lets you compare published rates by loan purpose, repayment type and loan-to-value ratio (LVR).
The next evidence check is the current account rate and its update time, followed by the conditions attached to the comparison product. A published product rate is not the client’s negotiated offer. Discuss their circumstances before deciding whether to seek a reprice or assess a refinance.
Stryd’s corresponding workflow uses its monitoring and alerts to prompt a review, then supports contact through its communication tools. That suits a brokerage organising follow-up across an established client book.
An Income-Loss Signal
A loan appears in the earlier commission report but its trail disappears in the next period. Start with the statement and loan reference. Compare the payment periods and any later report to distinguish a temporary missing payment from a recorded discharge.
Missing Trail Analysis keeps a stopped-and-returned payment separate from a discharge. Commission Verification also matches upfront payments to the trail expected within two months, including trail received without upfront. Those findings give the broker a specific payment question to resolve with the aggregator.
A lower trail payment alone does not prove that a borrower has a higher interest rate or plans to refinance. Balance changes and period length can change paid trail. Use consented account information for the rate question and a client conversation for their plans.
AFG Access and Book-Size Pricing
Stryd has direct subscription plans and an AFG access route, so compare the purchase arrangement that applies to your brokerage. AFG’s Stryd announcement confirms access through Suite360, an integrated loan book and single sign-on. It does not make a direct subscription interchangeable with your aggregator arrangement.
Stryd’s direct pricing page lists a single-broker plan with one admin and up to 250 loans. Its multi-broker plans require at least two brokers. The annual multi-broker card states 250 loans per broker. The monthly cards list additional-loan blocks of 100, while the annual footnote applies blocks above 500 loans.
Direct plans have monthly or annual billing and include GST. The monthly cards state a three-month minimum term. Annual promotional terms tie the promotional rate to continued annual billing and allow renewal adjustments. Treat the promotion as its own offer, separate from the standard monthly subscription.
AFG’s technology page describes pricing based on business setup and needs. The Suite360 access route alone establishes neither a universal Stryd fee nor a universal loan allowance. For a brokerage already using AFG, the applicable agreement determines whether Stryd adds another subscription cost.
Track My Trail organises plans by analysis depth and book coverage. Excel Escape includes Quick Analysis. Pro Performance adds stored history and Historical Analysis over the most recent two years for one book. Elite Suite adds full history, up to five books and logins for the owner plus four teammates.
Our plans have monthly or yearly billing and include GST. You can cancel a monthly plan or change plans and billing from your account. The Track My Trail pricing page has current subscription terms. A seven-day free trial requires no credit card.
Run One Workflow or Use Both
Choose one service when it covers the work your brokerage needs to complete, including the follow-up after a signal. Track My Trail combines paid-trail analysis with client-review information, so a rate-review requirement alone does not require two subscriptions.
Choose Track My Trail if you need to reconcile changed income, investigate missing payments or review clients with their trail history alongside consented account data. You still upload aggregator reports and resolve payment questions with the aggregator. Refinance Finder returns a reviewed loan to the queue after 90 days, which supports recurring reviews without rebuilding a list.
Choose Stryd if your deciding need is its monitoring-led outreach workflow, particularly with an integrated AFG loan book. Your team still needs clients to complete consent and brokers to assess the opportunity and act on it. An alert does not itself complete a client review or secure a new rate.
Use both if your team already manages retention in Stryd and also needs Track My Trail’s commission evidence. Assign each flagged loan to one follow-up owner so two systems do not produce duplicate client contact. Resolve the income query with the aggregator and the borrowing-cost question with the client.
The Track My Trail product overview explains the broader analysis workflow. For a different decision, the Stryd alternatives comparison groups substitutes by the work you need to replace. The Stryd broker guide covers product background and access. Keep your choice tied to the unresolved job, then assign the person who will complete it.
