In development · Founding member spots open

Know which loans are still inside the clawback window before the bank calls your client first

For mortgage brokers whose upfront commission can be clawed back for up to two years — and who usually only find out a client has refinanced or discharged after it's already happened.

Apply for founding access → See how it works

Founding members get early access and a locked-in founding price.

Trailclock Concept preview

Clawback clock

Every loan still inside its clawback window or coming up for rate review.

Export client list
Inside clawback window14
Rate review due <30 days6
Call tasks today3
  • Sarah M. — settled 14 months ago8 months left in clawback window
    Monitor
  • David K. — fixed rate ends in 18 daysCall before the bank's retention team does
    Call today
  • Priya R. — settled 23 months agoClawback window closes in 4 weeks
    Clear soon
  • Tom B. — settled 6 months ago20 months left in clawback window
    Monitor

Sound familiar?

What people are putting up with today

  • Brokers can have their income at threat for up to two years after settlement if a client refinances or discharges.

  • Clients make decisions without consulting their broker, and banks increasingly approach them directly with internal refinance offers to cut the broker out of the picture.

  • By the time a broker finds out a loan is gone, both the commission and the chance to retain the client have already gone with it.

How Trailclock works

Trailclock is a clawback and rate-review calendar built from the client list you already have. Export your settlement dates and lenders from whatever CRM you use, and Trailclock flags every loan approaching a fixed-rate expiry or its 12/24-month clawback anniversary — putting a same-day call task on your list so you reach the client before the bank's retention team or another broker does.

  1. 01

    Export your client list — name, settlement date, lender — from whatever CRM you already use, in one file.

  2. 02

    Trailclock flags every loan approaching its fixed-rate expiry or the 12/24-month clawback anniversary.

  3. 03

    A same-day call task lands on your list so you reach the client first, before the bank's retention team does.

In their words

What people are saying

Real quotes from public reviews and forums, with names removed. None are about Trailclock — it isn't available yet.

I felt as though I was working for free
Mortgage broker, MPA Magazine
clients make decisions without our consultation
Mortgage broker, MPA Magazine
The banks are contacting the clients directly and offering them internal refinances to take the broker out of the picture.
Mortgage broker, The Adviser

Founding access

Apply for founding access

Trailclock is opening to a small group of founding members first.

  • Early access before public launch
  • A locked-in founding price
  • A direct say in what gets built

Trailclock is being built now. Founding members get access first and help shape it. Applying is free and there's no obligation to buy.

Privacy notice: we collect your email (and your answer above, if you give one) solely to contact you about founding access to Trailclock. We don't sell or share your information with third parties, and we won't use it for anything else. You can ask us to delete your details at any time by emailing hello@thinksimple.app.