Rate lock and expiry reminders
Every rate lock gets ten days' warning, so you pay fewer lock fees and chase fewer last-minute payslips. Every date sits in one place while there's time to act.
Hours back
2.5
hours a week back, typically
How it runs
What we build, step by step.
This is the usual shape. Yours gets built around how your team actually does the job.
- 01
Every date pulled into one calendar
Rate lock expiry, approval expiry, settlement date, and the date each payslip, bank statement and credit report goes stale.
- 02
Warnings to the broker
A lock that runs out before the settlement date is flagged ten days ahead, with the settlement date beside it.
- 03
Fresh documents requested automatically
When a payslip or statement is about to go stale, the borrower gets a request for the newer one before the lender asks.
- 04
A weekly pipeline list
Every date coming up in the next 21 days, most urgent first.
Shown with software we see a lot. If your team uses something else, we build it into that instead.
Built for your business
Same job, different business. We build yours.
Two firms in the same trade rarely run a job the same way. Different software, different steps, different people signing off. We build it for your business, around how your team actually does the job.
Your steps
Built around the order your team already works in, odd exceptions included.
Your software
Runs inside the tools you already pay for, set up the way you use them.
Your rules
Your wording, your limits, your sign-offs. Nothing generic goes out in your name.
You sign off
Your team keeps the final say.
The broker decides whether to extend a lock and talks to the borrower about any cost.
What it's worth
What those hours add up to.
2.5 hours a week, over 46 working weeks, is 115 hours a year. At $50 an hour, that’s
$5,750
back in the business, every year.
Typical, not promised.
Before and after
The job, before and after.
How it runs today
Lock dates live in the lender portal, approval expiries in an email, and document dates in the processor's head. Someone checks when they remember, which is usually when it's nearly too late.
What we build
- Every date pulled into one calendar
- Warnings to the broker
- Fresh documents requested automatically
- A weekly pipeline list
A month in
Every lock gets ten days' warning, so you pay fewer extension fees, chase fewer last-minute payslips, and settlements don't slip over a date nobody was watching.
FAQ
Does it extend locks with the lender?
No, a broker decides. The reminders warn the broker in time to extend a rate lock, but an extension costs money, so a person makes that call.
Can it remind past clients when their fixed rate ends?
Yes. The same reminder calendar can track past clients' fixed-rate expiry dates and give the broker a list of who to ring each month.
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Thirty minutes on rate lock and expiry reminders. We build its elf with you, live, and you keep it.