Avaris answers your enquiries, chases your documents and keeps every client updated to settlement — so you get your time back for the work that actually grows a brokerage: the conversations and the relationships.
No pitch deck. We map your week together and show you which hours you could get back.
Sources: Equifax Mortgage Broker Pulse Survey 2025 · BrokerEngine loan processing guide
As a former broker, I understand the pains a broker experiences — from loan processing to chasing documents from clients. We at Avaris have been in your shoes.
Avaris was founded on the principle of supporting brokers where they need help most: qualifying leads, expediting loan processing, and nurturing your clients after settlement.
So you can get your time back and focus on what really matters — building and growing the business and the relationships. Treating this like a business, and not a job.
"Treating this like a business, and not a job. That's the difference between a brokerage that grows and one that just keeps you busy."
Brokers now write 81% of all new residential home loans in Australia — a record high, up from 55% eight years ago. More borrowers are coming to you than ever before.
That's the problem. The volume arrived. The hours didn't. At roughly twenty hours of processing per loan, growth doesn't feel like growth — it feels like drowning. None of what follows is a sales problem. It's a process design problem, and process design is what we do.
A lead enquires at 8pm. You reply at 9am. By then they've spoken to two other brokers. Speed-to-lead is the single highest-leverage metric in your business and almost nobody wins it consistently.
Clients drip-feed documents. You chase, re-chase, then re-key it all by hand. Every day a file sits incomplete is a day closer to a rate change, a cooling-off deadline, or a client who starts wondering whether another broker would be faster.
Clients don't leave because the deal is slow. They leave because nobody told them it was slow. Every unanswered "any update?" is a referral you'll never get.
Market share figure: MFAA, March 2026 quarter.
We don't publish other people's numbers as if they were yours. In the strategy session we work out what each of these is costing your brokerage specifically.
The calls you never hear about. A prospect rings at 8pm, gets voicemail, and calls the next broker on the list. You'll never know that lead existed — it doesn't appear in any report.
Time spent on people who were never going to proceed. Manual qualification means the same conversation, over and over, with prospects who aren't ready — while the ones who are, wait.
The refinance you didn't get. Your client settles, you lose touch, and someone else calls them when rates move. The relationship was yours to keep.
Start with one. Most brokers start with First Response or Second Settlement, because those two pay for the engagement fastest.
Every system ships with performance reporting as standard. Whichever you start with, you get its numbers monthly against a baseline we capture before we build. You should never have to take our word for whether something is working.
Your competition isn't better than you. They're just faster on Sunday night. First Response picks up every enquiry the moment it lands — whatever the channel, whatever the hour — qualifies it, and hands you a written brief before you walk into the meeting.
For brokers spending on lead generation, or losing deals they never knew they were in.
Clients procrastinate. They drip-feed documents in batches. They send the wrong thing. And you lose track of what's been asked for, what's arrived and what still needs fixing — so you ask again. It isn't complicated work. It's just relentless, and it's currently your job.
For any broker who has sent a fourth text asking for the same bank statement.
Clients rarely leave because the outcome was bad. They leave because nobody told them what was happening. Silence during assessment costs you the referral, the review and the next loan.
For brokers who live on referrals and repeat business.
Every borrower rolling off a fixed rate is a settled client of somebody. Most get contacted by their lender's retention team before their broker. Second Settlement triggers the conversation at the moment it's worth having.
For any broker with more than 100 settled clients sitting in a CRM doing nothing.
Not concepts. These are the specific workflows we build and run.
Sits on your site and asks the six questions you'd ask, scores the answer, and pushes it straight into your CRM.
Picks up the calls that currently hit voicemail after hours. Natural conversation, two to three minutes, fully qualified by morning.
Calls your opted-in past enquiries to test whether now is a better time. You get a warm list; the system does the dialling.
Every call, chat and message summarised into one page — what they said, what they need, and a qualification scorecard. It's in your inbox before the meeting, so you walk in already across it.
Tracks every outstanding document per client and escalates follow-ups on its own schedule until the checklist is full.
A live view across your whole pipeline of which files are ready and which are waiting, and on what. Status only — your clients' documents stay in your systems and never touch ours.
Submitted, conditional, unconditional, settlement — clients and referrers are told automatically before they have to ask.
Any file that hasn't moved in X days escalates to the broker and then the principal. Nothing quietly rots in the CRM.
Annual and fixed-rate-expiry triggers fire a personalised outreach so refinances come back to you, not to a competitor.
Post-settlement sequence that asks for the Google review and the referral at the exact moment goodwill peaks.
Live view of speed-to-lead, conversion by source, average days-to-settlement, and hours saved across the team.
Every lead tagged by source and followed through to settlement, so you can see which channel actually produces business — new enquiries and reactivated database alike.
Brokers already report juggling multiple, non-integrated systems — which is why adding another platform makes things slower, not faster. You've already paid for your CRM, learned it, and moved your book into it. Avaris sits on top of what you run today and adds the intelligence it was never built to have.
of brokers say AI will be essential or helpful to their business in the next two years
say their AI tools are largely disconnected from their CRM
have no documented AI strategy
have formal policies governing how AI is used
Everyone wants it. Almost nobody has connected it properly. That gap — between owning AI tools and running an integrated process — is the entire reason Avaris exists.
AI adoption figures: Connective AI Readiness in Australian Broking Report, survey of 300+ brokers, March 2026.
CRM-integrated automation — built on the stack you already run
We don't hand you software and wish you luck. We map, build, install and then run it — and keep improving it every month.
A 30-minute call where we map your actual lead-to-settlement process and identify exactly where time and revenue leak out. You get the map whether you hire us or not.
We show you the specific automations, what they connect to, what they'll save in hours and dollars, and what it costs. Fixed scope, fixed price, no surprises.
We build the systems you've chosen into the stack you already run — your CRM, your calendar, your phone. Qualification logic tuned to your niche, document checklists per scenario, milestone triggers mapped to your lenders, database segments for reactivation, and the reporting behind all of it. Then we test end to end, and you test it yourself. Nothing goes live until you've approved every message that goes out in your name.
We monitor the first week closely, tune the AI's language, and keep improving it monthly. You get a dashboard showing where every lead came from and what happened to it.
Most automation agencies sell you a build, invoice you, and you never hear from them again — until it breaks, or until you cancel because you were never quite sure what it was doing for you.
Avaris runs on a customer success model, not a project model. Every engagement is measured against outcomes you define at the start, reviewed on a fixed cadence, and adjusted when your business changes. Not because it's a nice touch — because automation that isn't reviewed quietly decays. Lenders change processes. Your niche shifts. A workflow that was right in March is wrong by September, and nobody notices until the pipeline thins out.
The build is the setup fee. The success layer is the retainer.
Built in week one. Against your goals, not ours.
Before we build anything, we map what winning actually looks like — not "save time", but specific, measured and dated. Then we map your client's journey end to end and mark exactly where each system intervenes.
A fixed rhythm. Never a chase.
Every month, without you asking, you get a structured read on how your systems performed and what we're doing about it. It lands on the same day each month and it happens whether or not there's a problem — that's the point of a cadence.
Twice a year, the whole engagement goes on the table.
A scheduled session that steps back from month-to-month and asks the harder question: is this still worth what you're paying for it? You get a written report you could hand to your accountant — including the numbers that didn't go our way.
Automation is easy to sell and hard to prove. So we measure it — from a baseline captured before we build a thing. You see all eight every month, including the ones that aren't moving.
One setup fee to build it. One monthly fee to run, monitor and improve it. No lock-in contracts. Every tier includes First Response with chat and AI voice — and every tier gets the full success layer, because a system nobody reviews quietly decays.
Why a setup fee? Because we build systems, not templates. The first weeks are real work — mapping your process and your client journey, building your logic, integrating your stack, testing against live files. We'd rather charge for it properly than cut corners to hit a low monthly number.
Compare it honestly. A part-time loan processor costs $3,000–$4,500 a month, works 20 hours a week, takes leave, and eventually resigns. Growth costs less, works 168 hours a week, and gets reviewed against your goals every month.
All prices in AUD, excluding GST. Platform usage — voice minutes, SMS and AI credits — is billed at cost on top of your retainer. Outbound campaigns run only to contacts who have opted in.
We're not going to show you someone else's results and imply they're yours. Here's the maths instead — run it against your own numbers and hold us to it.
| Tier | Year one, all in | Extra settlements to break even | That's about |
|---|---|---|---|
| Starter | $18,800 | 5 a year | 1 every 10 weeks |
| Growth | $35,900 | 9 a year | Just under 1 a month |
| Full System | $49,900 | 13 a year | Just over 1 a month |
Assumes an upfront commission of roughly $3,900 — around 0.65% on a $600k loan — and counts upfront only, ignoring trail entirely. Your figures will differ; put yours in and the answer changes. Nothing here counts hours returned, which is the other half of the return and the harder half to price.
If the system can't produce that, it isn't working — and you'll see it on the scorecard before we do.
The AI handles first response, qualification and follow-up — the repetitive work. It's written to sound like your brokerage, and it hands over to a human the moment a real conversation is needed. We're transparent by design and configure disclosure to match your compliance requirements.
Nothing we build gives credit assistance or product recommendations. The systems collect information, provide status updates and book appointments — all of it logged and auditable, which most brokers find improves their file notes rather than threatens them. You review and approve every message template before go-live, and your obligations under your licence or credit rep agreement don't change. We'll happily walk your aggregator's compliance team through the build.
Worth knowing: only 3% of brokers currently have formal policies governing AI use, and ASIC has been clear that how AI is used is under increasing scrutiny — not just whether it is. Part of what you get here is documented, traceable process rather than tools bolted on in isolation.
No — and that's the point of building an augmentation layer rather than a platform. Avaris sits on top of what you already run and makes it smarter. We work with the CRMs brokers actually use, including the major aggregator platforms. If yours is unusual, we'll tell you honestly in the strategy session whether we can integrate cleanly. We won't take the money and figure it out later.
The honest answer most agencies avoid: after the build, you're paying for someone to own the outcome. Every month we measure your scorecard metrics, review them against the roadmap you set, and change what isn't working. Twice a year we run a full Performance Review covering results, client satisfaction and a roadmap reset. Systems nobody reviews degrade — lenders change processes, your niche shifts, a sequence that converted in March underperforms by September. The monthly fee is what stops that happening quietly.
A VA is a person doing manual work at a lower hourly rate. This is the work not needing to be done. VAs also need managing, training and replacing — most brokers we speak to have been through two or three. Plenty of our clients keep their VA and simply move them onto higher-value work.
Setup is roughly three hours across the build — one call to map your process, one to approve the messaging, one to go live. After that it's thirty minutes a month on Growth, forty-five on Full System, plus the six-monthly review. Under seven hours a year. If you'd rather have fewer calls, say so in the strategy session and we'll shift the cadence to written — we'd rather match your preference than hold a meeting you resent.
Five weeks from kickoff for Starter, seven for Growth, nine for Full System. Week one is mapping your lead sources and defining your qualification criteria; weeks two and three are build and testing; week four is your own testing; week five you go live and we watch it closely.
That's the most common reason automation projects fail, which is why adoption is part of the engagement, not an afterthought. Well-built systems require almost nothing from your team — the work simply stops arriving in their inbox. We train everyone in one session and monitor usage in the first 60 days.
A one-off setup fee, then a rolling monthly retainer. No lock-in contracts and no minimum term — if the system isn't paying for itself, you shouldn't be paying for it. We'd rather earn the renewal every month. Worth knowing that the post-settlement automations are built to compound over a year or more, so the longer they run the more they return.
This is the question that matters most, and you should judge it yourself rather than take our word for it — we'll play you real call recordings in the strategy session. We use a professional voice provider rather than basic text-to-speech, and the AI identifies itself as an assistant rather than pretending to be you. Calls run two to three minutes and hand over to a human whenever the conversation needs one.
Outbound campaigns run only to contacts who have opted in and have an existing relationship with your brokerage — we don't cold-call purchased lists, and we won't build that for you. Calls respect the Do Not Call Register and permitted calling hours, every call is logged, and opt-outs are honoured immediately. If you're unsure whether a particular list qualifies, we'll leave it out.
By design, we never receive or store your clients' documents. Payslips, bank statements and ID go straight into your own systems — our document workflows track what's outstanding and chase it, but never see the contents. That keeps credit information out of our environment entirely.
For everything else we do handle — contact details, qualification answers, call transcripts — we encrypt in transit and at rest, restrict access on a least-privilege basis, delete on a published retention schedule, and commit to notifying you of any incident within 24 hours. We'll sign a data processing addendum, and we'll hand your aggregator's compliance team a full data flow map rather than asking them to take our word for it. Our privacy policy sets out the detail.
Thirty minutes, no pitch. We map how your week actually runs, show you which hours you could hand over, and what it would take to do it. You keep the map either way.
No obligation. No 40-slide deck. Just your week on a whiteboard.
Prefer email? info@avarisagency.com