About Australian Finance Group (AFG)

One in every nine Australian residential mortgages is settled by an AFG broker. AFG's own dashboards cover settlement, compliance and BDM workflows; TrailScope sits beside them as the analytics, retention and forecasting layer.

How TrailScope handles your Australian Finance Group (AFG) data

First-class support — TrailScope ships with the AFG Residential Lender Clawback Summary embedded (56 lenders × 8 three-month bands covering months 0–24). The AFG trail export drops straight into the upload pipeline; the calculator's row-typed COMMISSION column is auto-detected and split into trail, upfront and clawback before storage.

Typical workflow

Most AFG brokers we work with run the monthly trail export through TrailScope on the same day AFG emails it. The portfolio dashboard, lender-concentration view and clawback exposure forecast are typically the first three screens they open after upload.

What you get on top of the aggregator

  • Retention scoring — per-loan risk score from 8 weighted factors (settlement age, fixed-expiry proximity, rate-vs-market gap, equity, engagement, loan size, repayment anomaly, tenure).
  • Refinance risk alerts — fired on rate-gap drift, fixed-expiry roll-off 90/60/30 days out, and CCR enquiry signals cross-referenced against your client list.
  • Clawback exposure forecast — 30/60/90-day at-risk dollar figure based on the actual per-lender clawback schedule, not a generic 24-month assumption.
  • Trail income forecasting — 12/24/36-month projections with adjustable churn, rate and clawback-rate assumptions.
  • AI insights — bring-your-own Anthropic, OpenAI or Gemini key. Aggregate-only context — names, emails, phone, DOB and free-form notes are stripped before any prompt leaves the workspace.
  • PDF reports — 6 fixed reports plus a DIY custom-report builder, all in TrailScope branding.

Pricing

TrailScope is priced per broker / per brokerage, separate from your aggregator fees. Starter is A$15 / broker / mo (up to 100 active loans). Professional is A$35 / brokerage / mo for unlimited loans and up to 8 broker seats. See the full pricing page for details and the comparison table.

Getting started

Sign up for the 14-day free trial, upload your most recent Australian Finance Group (AFG) commission export, and the dashboard, retention scoring and reports are ready inside five minutes. No card required during trial.

FAQ

Does TrailScope work with AFG's row-typed commission export?

Yes. AFG uses a single COMMISSION column with a COMMISSION_TYPE row discriminator — TrailScope's upload pipeline auto-detects this layout, splits the rows into trail / upfront / clawback, and atomically flags loans as LIKELY_CLOSED when reversal rows arrive.

Does TrailScope include the AFG clawback schedule?

Yes — the AFG Residential Lender Clawback Summary is built in: 56 lenders × 8 three-month bands covering months 0–24. The Clawback Exposure report uses this directly, so 30/60/90-day at-risk forecasts are aggregator-accurate, not generic.

Can I use TrailScope alongside AFG's Stryd retention integration?

Yes. Stryd delivers retention prompts inside AFG; TrailScope gives you the full analytical surface on the same data. See /compare/stryd.html for the head-to-head.

Will my AFG BDM see TrailScope?

No. TrailScope is owned by your brokerage. Your AFG BDM continues to work through AFG's own systems.

Can I match my AFG aggregator statement exactly?

Yes — TrailScope reads the same data, so totals reconcile within rounding for matching periods. Larger differences usually mean the export covers a different period than expected.