Skip to main content
zatersio

Mortgage Brokers

Stop sending after-hours enquiries to voicemail until Monday. A Lead Engine brings the deals, an AI voice agent answers every call.

Google Ads and conversion-tested landing pages fill the funnel. A 24/7 AI voice agent qualifies each enquiry and books straight into your broker calendar. Automations chase documents, draft fact-finds and BID file notes, and scan your back-book. It sits on top of Mercury Nexus and Salestrekker, never replacing them.

Book a call

Keeps the tools you already run

  • Mercury Nexus
  • Salestrekker
  • FLEX
  • BrokerEngine
  • ApplyOnline
  • Podium

Watch the core agent work a live call

books into Mercury Nexus

  1. Inbound call

    Saw your refinance ad. We're on a 6.2% fixed expiring next month and want to know our options. It's 8pm, are you still open?

  2. Agent qualifies

    I can help with that. Roughly what's the loan balance and current property value, and is this owner-occupied or investment?

  3. Books the appointment

    Booked you a 30-minute refinance review with Priya tomorrow at 10am, straight into her calendar.

  4. SMS handoff

    Confirmed by SMS, with a secure link to upload your latest rates notice and payslips before the call.

Why now

76.7%

of new residential home loans now written by brokers (Dec 2025 quarter), the highest market share on record

MFAA / Zatersio Mortgage Brokers Blueprint · Dec 2025 quarter

$142.2B

written through brokers in a single quarter

MFAA / Zatersio Mortgage Brokers Blueprint · Dec 2025 quarter

28%+

year-on-year rise in Victorian refinance submissions; every untouched back-book loan is someone else's refi

Zatersio Mortgage Brokers Blueprint · May 2026

72%

of past clients are never re-contacted, and roughly 60% of refinances go to a different broker

Industry data / Zatersio Mortgage Brokers Blueprint · May 2026

Where the money leaks today

The admin that quietly costs you jobs

  1. Chasing documents from clients

    Payslips, IDs, bank statements and rates notices, 3 to 5 hours per deal of back-and-forth.

  2. Re-keying client data

    Typing email and phone notes into the CRM, then again into ApplyOnline or Simpology.

  3. Lender policy lookups

    Checking policy across 45+ panel lenders for self-employed, casual, HECS and overtime scenarios.

  4. Hand-drafting BID file notes

    Best Interests Duty notes, 3-product comparison rationales and Statements of Credit Recommendation, by hand.

  5. Manual back-book scanning

    Reading the trail-book for fixed-rate expiries and better-rate clients one at a time.

  6. Untargeted post-settlement nurture

    Generic follow-up, or none at all, so clients drift to whoever calls them first.

  7. After-hours enquiries to voicemail

    Saturday-open leads sit in voicemail until Monday while qualified Google Ads traffic bleeds away.

~$2,700/week

Broker capacity unlocked at ~$300/hour across 15 to 25 recovered admin hours per broker / Zatersio Mortgage Brokers Blueprint · May 2026

The solution stack

One core agent, four compounding add-ons

Core

Lead Engine + 24/7 AI Voice Agent + 1 AI automation

Three things working together. A Google Ads programme built around refinance, first-home-buyer and investor intents with conversion-tested landing pages and a weekly performance dashboard. An always-on AI voice agent that answers every inbound enquiry 24/7 in a natural Australian voice, qualifies the lead, books appointments into your broker calendar and escalates urgent enquiries by SMS. Plus one AI automation of your choice from the library.

Most firms bundle Document Collection or AI Fact-Find as the included automation. The Lead Engine sets the foundation, the voice agent closes the after-hours and in-meeting leak that bleeds qualified Google Ads traffic, and add-on automations stack on as deal volume grows.

Value3 to 8 qualified appointments per month at recommended ad spend. The voice agent recovers every after-hours and overflow call (currently ~30 to 50% of inbound), and the bundled automation recovers 3 to 10 hours per broker per week.

Document Collection & OCR Bot

An AI agent chases outstanding documents over email and SMS, runs OCR on payslips, BAS and bank statements, and writes structured income and expense data straight into Mercury Nexus or Salestrekker, already named and filed.

ValueSaves 3 to 5 hours per deal. At 3 deals/week, that is 9 to 15 hours back per broker per week.

AI Fact-Find from Email & Voice Notes

Forward an enquiry email or a Zoom transcript and the assistant parses the conversation, drafts a complete fact-find ready for broker review, and pushes it into the CRM in one click. Enter once, use everywhere.

ValueSaves 3 to 5 hours per broker per week.

Best Interests Duty File-Note & SoCR Drafter

Ingests the fact-find, product comparison and call transcript, then drafts a BID-compliant file note and Statement of Credit Recommendation ready for sign-off. Defensible against ASIC and AFCA scrutiny.

ValueSaves 2 to 4 hours per broker per week, plus measurable compliance risk reduction.

Back-Book Refinance Opportunity Scanner

A nightly job scans your trail-book against current lender rates, flags fixed-rate expiries 90/60/30 days ahead, finds sub-90% LVR clients who could refinance, and lands a ranked call list in your inbox each morning with the draft outbound message already written.

ValueEven a 1% lift in refi retention on a 500-loan book is multiple six figures in trail. 2 to 3 hours/week recovered.

Lender Policy Q&A Bot (your panel)

Ask 'will Macquarie accept 6-month casual income with HECS?' in Slack or Teams and get a source-cited answer pulled live from your panel's current credit policy documents and bulletins. Scoped to your panel, not a generic database.

ValueSaves 2 to 3 hours per broker per week and de-risks deal structuring.

Investment

Setup and monthly, per component

ComponentSetupMonthly
Lead Engine + 24/7 AI Voice Agent + 1 AI automation1$1,500from $1,500 / mo
+ Document Collection & OCR Bot2$750+ $450 / mo
+ AI Fact-Find from Email & Voice Notes3$650+ $400 / mo
+ Best Interests Duty File-Note & SoCR Drafter4$750+ $450 / mo
+ Back-Book Refinance Opportunity Scanner5$650+ $400 / mo
+ Lender Policy Q&A Bot (your panel)6$550+ $350 / mo

Start with Core to get new deals coming in, every call answered, and one part of the back-office handled from day one. Add further automations as deal volume grows. Most firms find Document Collection or BID File Notes is the right second add-on, and the Back-Book Refinance Scanner pays for itself off a single retained loan.

1 Google Ads + AI Voice Agent + 1 bundled AI automation. Excludes ad spend.

2 OCR + structured income/expense extraction.

3 Drafts CRM-ready fact-finds.

4 Compliance-grade documentation drafted automatically.

5 Nightly scan + ranked daily call list.

6 Source-cited policy answers across your panel.

ROI snapshot

What recovery looks like

Lead Engine at $500 to $1,000/mo ad spend3 to 8 qualified appointments per month, plus every after-hours call the voice agent fields
A 3-broker firm running Core + 2 add-ons (~$2,350/mo)60+ hours/month of broker capacity unlocked, well over $18,000/mo in recovered selling time
A 1% lift in refi retention on a 500-loan back-bookMultiple six figures in retained trail

Estimate your recovery

Monthly upside
$19,485
Full-stack cost
$3,550/mo
Net per month
$15,935

Indicative only, based on your inputs and the per-component monthly pricing in the table above. Assumes ~4.33 weeks per month.

How we work together

From first call to live in six weeks

  1. Week 1

    Discovery

    Two 60-minute working sessions with the principal and one operator. We map your current process end-to-end, audit your existing software, and lock the scope for setup.

  2. Weeks 2-4

    Build

    Zatersio builds, tests and integrates the agreed automations against your existing tools. You see weekly progress demos.

  3. Week 5

    Pilot

    Live with one broker. We measure activity, accuracy and any edge cases, and tune in flight.

  4. Week 6 onward

    Retainer

    Roll out to the full team. The monthly retainer kicks in, and we own uptime, monitoring, prompt tuning, and improvements as your business evolves.

Day-60 guarantee

If Lead Engine and Voice Agent combined don't deliver at least 4 qualified booked appointments per month by month 2 at recommended ad spend, we waive the month-3 retainer on the Core. If any add-on doesn't show measurable hours saved within 30 days of go-live, we rebuild it or remove it from your bill.

Compliance and data residency

Built to keep your data onshore and yours

On your own servers

Run the full stack on-premise, inside your own network. Nothing leaves your building.

Australian-resident cloud

Or host on Australian-resident cloud (AWS Sydney). Your data stays onshore.

Either way, your data is never used to train third-party models.

Regulatory coverage

  • Privacy Act 1988
  • ASIC Best Interests Duty
  • AFCA
  • Privacy Act 1988

What we guarantee on data

  • Run it on your own servers, or on Australian-resident cloud (AWS Sydney by default). Your choice.
  • All client documents and personally identifiable information are encrypted at rest and never used to train third-party models.
  • BID-compliant file notes and SoCRs are drafted for human sign-off, defensible against ASIC and AFCA scrutiny.
  • Compliance with the Privacy Act 1988 and your aggregator's data-sharing policy is baked into the build.

Integrate, never replace

We sit on top of the tools you already run

Mercury Nexus, Salestrekker, FLEX and BrokerEngine handle your CRM and lodgement workflow well. We sit on top and do the things they don't: generate qualified leads, answer the phone at 8pm, draft BID file notes, run OCR over a payslip, and scan the back-book. We never ask your brokers to learn a new platform.

  • Mercury Nexus
  • Salestrekker
  • FLEX
  • BrokerEngine
  • ApplyOnline
  • Simpology
  • Podium
Zatersio

See what Zatersio recovers for your mortgage brokers business

Book a 30-minute scoping call. We map your current process, audit your existing software, and show you exactly where the money is leaking.

Book a call

Ready for a custom blueprint?

Get a personalized automation proposal in minutes. Tell us your business and what's eating your time. We'll generate a custom blueprint tailored to your industry and challenges.

Get Your Blueprint