Their whole borrowing picture. In your inbox. Before the first call.
The first thing anyone wants from a broker's website is their number. The engine gives it to them, warmly and instantly, and gives you everything they entered to get it.
This is the live engine, exactly as your visitors would use it. Have a go as if you were a client. No real details needed.
It sits at the top of your homepage and turns "how much can I borrow?" into a finished enquiry, with the full picture attached.
A calculator gives a number and lets them leave. This walks them through it like a good broker would, then tells you who they are and when to call.
On your site it carries your colours, your logo and your wording. Open it full screen
A calculator hands over a number. This starts a conversation.
Most broker sites already have something that works out borrowing power. It's usually tucked away, asks for a name before it shows anything, or gives a number and lets the person disappear. Either way, a good enquiry slips through the gap.
A typical borrowing calculator
- Buried in a menu or the footer
- Asks for a name before it shows a number, or never asks at all
- Reads like a tax form
- Gives a number, then nothing
- You never find out they were there
The Borrowing Profile Engine
- The first thing they see, at the top of your homepage
- Number first, the free sample, so leaving their name feels natural
- Warm, plain English with reassurance on every step
- Shows what would lift their number and what it costs each month
- Their whole picture lands in your inbox, with when to call
Built for buyers. And for everyone else who calls a broker.
Household, income, deposit and debts become a borrowing range, buying power and an estimated LVR, with the levers that would lift it.
Home value, current lender and each loan. A fixed rate about to roll off is flagged, so you know who to ring first.
Shows how much of their home they could put to work, up to 80% of its value without mortgage insurance.
Rental income and existing properties are counted, so investors see a realistic number and you see their portfolio.
You know who you're calling before you dial.
The moment someone sends their details, a formatted borrowing profile arrives in your inbox. Time-sensitive ones say so in the subject line, so a refinancer with a fixed rate about to end doesn't sit behind a first home buyer who's a year away.
- Purpose, household and employment
- Income, deposit, debts and spending
- Home value, lender and loans when refinancing
- Borrowing range, repayments and equity
- When they want to buy and the best time to call
Example only. Your emails carry your branding and every figure the client entered.
Every step designed for the moment people usually give up.
Reassurance on every step
A short, human line sits right where people tend to bail, like when it asks what they owe. Fewer people quit halfway.
What could move your number
It shows them what would lift their borrowing power: closing a card, clearing a car loan, adding to the deposit. Your first conversation, already started.
Repayments they understand
Repayments by loan length, a rate slider, and the 3% APRA buffer explained in plain English, so they arrive already understanding it.
Nothing hidden
Every input, rate and tax bracket is shown on the results screen, under a clear indicative-only disclaimer.
Yours, word for word
Your colours, your logo, your wording. It should look like it was always part of your site.
You see what it brings
Every enquiry is tracked: per day, week and month, growth, and the total borrowing power coming through.
more completed applications when the borrowing tool is the first thing people see, compared with a contact form. That's the figure from LeadPops, who build these for mortgage brokers.
The MFAA's own Find a Broker campaign now opens with borrowing calculators: people get their number first, then find a broker. Same idea, on your homepage, with your name on it.
“Full financial picture sitting there before I've picked up the phone. It changed how I approach every single enquiry that comes in.”
Tony Bice · First Choice Mortgage Brokers · Finance Broker of the Year, 2025 Australian Broking Awards · See it on Tony's homepage
You only need one extra client out of it.
On an average new home loan of around $730,000, the upfront commission alone is roughly $4,700, about three times the price of the engine, before the trail even starts. On a Sydney-sized loan it's more.
- Built in your colours, with your logo and your wording
- Installed at the top of your homepage, on the site you already have
- Preview first. It only goes live when you're happy
- Buying, refinancing, equity and investing, all in one
- One broker per suburb
Half now. The other half at day 21, only if it's pulling its weight.
It's a new thing on your site and you'd want to see it earn its keep. That's completely fair. If it isn't pulling its weight by day 21, it comes down and you don't pay the rest.
Built in your branding. You approve it, it goes live.
A five-minute check-in. Anything you'd like changed.
We look at what came through together. Only then the other half.
Optional care plan, $79 a month: wording tweaks, rate updates like the APRA buffer, and a monthly report. It runs itself either way.
Commission estimate uses 0.65% upfront on the ABS average new owner-occupier loan for the June quarter 2026 ($731,000). Gross, ex GST, before any aggregator split. General information, not financial advice.
Practical reading, no fluff.
Where it sits, what it asks first, what it sends you, and the wording that keeps people going.
EnquiriesMore finished applications from the traffic you already haveSix practical moves that turn quiet website visits into conversations, starting with the homepage.
RefinancingFinding refinance clients: fixed-rate expiry, equity and rate reviewsHow to spot the borrowers who need you now, and what to ask on the first call.
ServiceabilityHow borrowing power is calculated in AustraliaThe APRA buffer, income shading, living costs and tax, with a worked example.
Straight answers.
How is this different from a borrowing calculator?
A calculator gives someone a number and lets them leave. The Borrowing Profile Engine walks them through their situation in warm, plain English, gives them their number straight away, shows them what would lift it and what it would cost each month, then offers a Game Plan from you. When they leave their details, their whole borrowing picture lands in your inbox before you pick up the phone.
What does it cost?
$1,497 once-off, with no lock-in and no monthly fees. If you would rather see it earn its keep first, you can pay half now and the other half at day 21, only once you have seen what has come through. If it is not pulling its weight by then, it comes down and you don't pay the rest. An optional $79 a month care plan covers wording tweaks, rate updates and a monthly report.
Will it work on my website?
Yes. WordPress, Squarespace, Wix or a custom site. It is one line of code at the top of your homepage, and nothing else on your site changes. Phil can install it, or send it to your web person.
Does it handle refinancing and equity, or just first home buyers?
All four: buying, refinancing, unlocking equity and investing. Refinancers enter their home value, their current lender and each loan, and the engine flags a fixed rate that is about to end, so the most time-sensitive enquiries reach you first with the urgency in the subject line.
What does it capture?
Name, mobile and email, when they want to buy and the best time to call, plus their whole picture: purpose, household, employment, income, deposit, home value and loans if refinancing, card limits, loans, HECS, monthly spending, and their borrowing range with repayments. Income and deposit are the only must-haves, so people keep going rather than give up halfway.
Won't people just take the number and leave?
Some will, and that is fine. Nobody types in their income, deposit and debts unless they are serious. Because they get the number first, leaving their name feels like the natural next step rather than a toll gate, and straight after the number they are offered a Game Plan, a lender shortlist and the steps that lift their borrowing power, all from you.
Is it compliant?
It is clearly marked as an indicative estimate, not an offer of finance or pre-approval. It shows exactly how the number is worked out, your credit licence details go in the fine print, and you approve every word before it goes live.
Where does the data go?
Each enquiry is emailed straight to you over an encrypted connection. A copy sits in Surgepoint's private, password-protected dashboard so the numbers can be reported back to you, and those copies are deleted whenever you ask.
How long does it take?
A preview in your colours, with your logo, is usually ready the next day. You tell Phil what to change, and it only goes live when you are happy with it.
Do you build it for my competitors?
One broker per suburb. Whoever says yes first has it in their patch.
See it on your own site tomorrow.
Leave your details and Phil will send you a preview plan today. Prefer to talk? Call or text 0495 017 434.