How we help you find the refinance and new lending opportunities already sitting in your database, bring that database back to life, and become the broker your clients call first.
The whole method, start to finish.
None of this will be news to you; it is worth naming, though, because it explains why the usual levers have stopped working. Rates have risen sharply this year, capacity has tightened, and buyers have stepped back.
With rates up and buyers waiting, fewer fresh purchase loans come through the door. The pipeline you used to count on is quieter.
Clients who financed in the cheaper window are now carrying higher repayments, shopping around, and easy for someone else to pick off.
When the only thing you can offer is a sharper number, you are in a race with no winner.
Here is how the loan you should have written quietly goes somewhere else. It rarely feels like losing a client; it feels like nothing happening at all.
They start thinking about their next property, and there is no reason for them to call you first.
Usually online, usually not one of yours, and they do it before any finance conversation happens.
Almost every agency does. The referral goes where the relationship already sits.
You find out later, if you find out at all.
Nobody did anything wrong here. There simply was not a mechanism that put you in front of the client at the moment the thinking started, and you are the closest to their borrowing and their trust; in a very real sense, you hold the keys.
Yours is one of the most trusted seats in a client's life. They have handed you their borrowing, their income, the full picture of what they can and cannot do. That trust is your most valuable and most under-used asset.
And yet almost none of them are ever shown what to do next with their portfolio. That was never a gap in your care. There has simply never been a mechanism inside a brokerage built to have the portfolio conversation.
We fill the advice gap for your clients: co-branded, best interest, and sitting behind your brand. We are the growth engine behind you, bringing the platform, the analysis and, where it helps, the people.
Nothing about your service changes and your team learns nothing new. What changes is what your clients get from being with you. They stop seeing you as the broker who arranged the loan, and start seeing you as the advisor who grows their position.
We started as a software company. Our portfolio strategy platform was built for buyer's agencies, and it still runs for more than 700 of them today.
Then we hit something we did not expect. We had built the platform around a simple rule: model every option honestly and let the numbers decide what is right for the client. That works beautifully, right up until you hand it to somebody with a product to sell. A buyer's agent arrives with their own view of the right strategy and their own stock to move, so the honest answer and the sellable answer were not always the same answer.
So we made a decision. Rather than keep arguing with the incentive, we changed who we work with. Today we partner with businesses that already put the client's interest first, brokers first among them, and we give you and your clients the portfolio advisory service that unlocks real growth.
That decision is the reason the next three things are true. They are not promises we are making to win you over; they are the structure of the business we deliberately built.
No stock, no product to push. The only move we can recommend is the one that is right for the client, including doing nothing at all.
We have no lending arm and no lending structure, and we never will. There is no version of this where we write a loan or step between you and your client. Every lending event our strategy creates routes back to you.
The refinance, the new purchase loan, the client who stays, the referral on whatever they do next. You keep the relationship and the lending, we do the work behind it.
They run in this order for a reason. We open with secondary dwellings because it is the cleanest and most tangible first win; the first pillar earns the attention, and the last one changes how you win business altogether.
A scan across your database to find the clients whose block can carry a second dwelling.
A campaign and a live session that brings every client you have into the free Zapii tracker.
The real accelerator. We analyse each position, find the move that genuinely improves it, and model it with you.
The same offer, pointed at winning new clients rather than just serving the ones you have.
You send us a list of addresses. Nothing personal, no client details, just the addresses, and only the properties financed outside your clawback periods. We run every one against the rules that decide feasibility, review each site by hand, and come back with the properties that can take a second dwelling. Where a site is capable of more, a subdivision or a small townhouse project, we flag that too.
A second dwelling on a block they already own, modelled properly. Usually the strongest cash-flow move available to them right now.
Every secondary dwelling that proceeds is a brand-new construction loan, from inside the database you already have.
You are not calling to chase anything. You are calling with something valuable that nobody else has shown them.
A secondary dwelling will not suit every client, and it was never meant to. So the second pillar goes wide. We build and package a live educational session with your key people, and we hand you everything needed to fill it. The invitation goes out from you, through your own channels, to every client you have. You are the business bringing this to them, which is exactly the point.
Here is where it gets powerful, and it works in two steps. Because we start with the clients you financed outside the clawback window, you already hold a recent read on their position, enough to know whether a move is worth a call. That is step one, and it is your data, not ours. Then, when the client comes into the tracker and adds their current income and savings, the numbers firm up and the real cash flow shows. Our team analyses the full picture, often including assets you never knew they owned, and finds the move that materially improves where they stand. There are four honest answers, and every one is useful to you.
Restructuring their lending to improve cash flow, set up an offset and a safety net, or free up equity to move again. A new loan that flows through you, and one we take nothing from. Because we start outside your clawback periods, this is clean growth, not churn on your recent loans.
They are in a position to buy again. We facilitate the acquisition, the finance is yours to write, and the referral comes back to you.
They can build on a block they already own. A construction loan, funded through you, on an asset they already hold.
No move is right yet, and we say so plainly. But you now know more about that client than you ever have, and we keep watching their position, regularly and whenever the market shifts, and tell you the moment something opens up.
This is what a single move does to one property. An anonymised sample, and the figures are illustrative, but the shape of it is what we see right across a database.
This is the pillar most brokers miss, and the one that compounds. Once the model is running behind you, you take it to the front end and use it to win new business rather than just keep the clients you have.
You are no longer the broker promising a sharper rate. You are the broker who brings portfolio analysis and ongoing strategy to every client you take on.
Put a prospective client into the tracker and you see what they own and where they are heading, long before an application would tell you.
Ongoing reviews mean the relationship keeps giving them something. A client who feels looked after stops shopping on rate, and tells other people about you.
Here is the sequence from the day you say yes. Notice how short your column is.
You send a list of addresses, anonymised, nothing personal, and only the properties financed outside your clawback periods. We run the portfolio-wide analysis and come back with every property that suits a second dwelling, plus a client-ready report for each one.
Export a list of addresses. That is it.
You reach out to those clients with something genuinely useful in hand. When one wants to go further, we run the modelling session: with you in the room, or entirely on your behalf if you would rather.
Make the call, using our words, and introduce us.
Then we go wide. We hand you the whole campaign and you take it out to your database from your own systems. We deliver the session alongside you, and every remaining client is invited into the tracker for a free assessment of their position.
Send the campaign from your CRM, and host the session.
Every client in a position to move is invited to a strategy session run by our team. You already hold their position from the last loan you wrote, and the tracker fills in the rest, so you arrive ready to write it. Whatever they decide, we fulfil it and you are brought in as the broker on the finance.
Write the loan, and bring your partners in.
This only works if it does not turn into another project for a team that is already flat out. So the whole thing is built to be handed over rather than handed back. To get started, there are only three things we need to know.
From there we give you everything you need to integrate the Finance Accelerator Model into your business, set up inside your own systems and sending from your own brand.
What you are really doing here is embedding us into your business as your growth partner. We do the heavy lifting: we find the moves for your clients, and we help facilitate them. So, quite simply, what is in it for you?
The purpose of the programme is to deliver one or all of these four outcomes.
Refinances that improve a client's cash flow, set up an offset, or free up equity, surfaced across your whole database.
Brand-new lending through new purchases and secondary dwellings, from the book you already have.
A reason to call every client. A quiet database becomes an active pipeline.
You become the strategic advisor, not just the rate, with your own planners and accountants alongside you on one platform.
We analyse the portfolios for you.
We identify the opportunities.
We give you every resource you need to engage your clients.
We facilitate the conversations.
And then we bring back every lending opportunity you stand to benefit from.
This sounds all too good to be true.
So here are the three questions you are probably already asking, answered straight.
We start outside your clawback periods on purpose, so nothing we surface ever puts your existing commission at risk. Where there is a move but the client is still inside the window, you simply flag it and reach out when they tick over. You decide who you contact, and when, always.
You get an agency-level account of our platform for free, and every client detail and every scenario we model sits inside it, yours to keep. Your clients never leave your database; the only time they touch ours is if and when we facilitate a deal.
This is property strategy advice, not financial advice, and it goes out under your brand with us behind you. Better still, you can bring your own planners and accountants onto the platform and offer clients a genuine all-in-one service.
We find material ways to improve their portfolios and lift what those assets return. Strategy with no product attached, and the honest answer when the answer is to sit tight.
Every opportunity comes to you: refinances, new purchase loans, construction loans on secondary dwellings, and your own partners brought in around them.
We are paid through a service fee, and only when a client chooses to engage us; what that fee is depends on the asset and the strategy involved. Your refinances and your lending are entirely yours, and we take nothing from them, ever.
That is the whole first step. No system to install, and no commitment to anything beyond finding out what is actually sitting in your database.
Anonymised, addresses only, and the properties financed outside your clawback periods to start. We run the analysis and come back with exactly what is there and what is worth a conversation.
We walk you through the terms and the referral model, and get it agreed in writing before anything starts.
We hand over every asset, set up the marketing and outreach, brief your team and lock in the session dates.
From there it runs, and we run it with you.