Your next refinance is already in your book.

Upload your client list. See who to call today and why, with every message written by AI in your voice. Your whole book, no consent links.

Due now5 clients
ClientLoan IDLenderProductBalanceSettledFixed expiryStatusLast activityTags
Priya RamanLN-17345INGFixed 3yr$612,00002/11/202346344Settled9 Jun 2026refi-watchFixed rate ends in 28 days18 Nov · ING
Grace O'BrienLN-17980INGVariable$455,00011/06/2025—Review10 Sep 2026—
Mei Lin ChenLN-18822CBAVariable$730,00027/10/2023—Settled14 Feb 2026—Loan anniversary in 6 days27 Oct · CBA
Liam KowalskiLN-19012MacquarieFixed 2yr$820,00019/08/202408/05/2027Active21 Sep 2026—
Tom & Jess WhitfordLN-19560MacquarieVariable$845,00021/09/2026—Settled—newSettled 30 days ago21 Oct · Macquarie
Olivia NguyenLN-20117ANZFixed 1yr$540,00003/05/202416/10/2026Review2 Jul 2026offset
Daniel OkaforLN-20431WestpacFixed 3yr$498,50019/12/202319/12/2026Settled3 May 2026—Fixed rate ends in 59 days19 Dec · Westpac
James PatelLN-21008NABFixed 2yr$1,120,00012/07/202546404Active22 Aug 2026—
Sarah BennettLN-21277BankwestVariable$389,00014/03/2022—Settled14 Mar 2026SMS onlyLast contacted 7 months ago14 Mar · Bankwest
Ahmed HassanLN-21590SuncorpVariable$675,00006/09/2026—Active6 Sep 2026—

From spreadsheet to sent.

  1. Drop in any spreadsheet.

    Backbook sorts it: matches the columns, fixes the dates, files home and business loans into their own folders.

  2. See who's due, and why.

    Ranked by urgency, including clients the latest rate move left paying too much.

  3. Approve, then send.

    Each message is drafted from your notes. Review them, then send in one go.

Drop in any spreadsheet.

Backbook sorts it: matches the columns, fixes the dates, files home and business loans into their own folders.

ContactsSearch…ImportExport
ClientNameLoan IDLenderLenderProductSettledSettlementFixed expiryFixed rate ends
Priya RamanLN-17345INGFixed 3yr02/11/20232 Nov 20234634418 Nov 2026
Grace O'BrienLN-17980INGVariable11/06/202511 Jun 2025—
Mei Lin ChenLN-18822CBAVariable27/10/202327 Oct 2023—
Daniel OkaforLN-20431WestpacFixed 3yr19/12/202319 Dec 202319/12/202619 Dec 2026
Sarah BennettLN-21277BankwestVariable14/03/202214 Mar 2022—

See who's due, and why.

Ranked by urgency, including clients the latest rate move left paying too much.

Due now4 clients
Priya RamanFixed rate ends in 28 days18 Nov
ING
Mei Lin ChenLoan anniversary in 6 days27 Oct
CBA
Tom and Jess WhitfordSettled 30 days ago21 Oct
Macquarie
Daniel OkaforFixed rate ends in 59 days19 Dec
Westpac

Approve, then send.

Each message is drafted from your notes. Review them, then send in one go.

Approve and send Sent · Priya marked as contacted

Five reasons to call.

  1. Backbook

    Priya Raman

    Her ING fixed rate ends in 28 days. Your message is drafted and ready.

  2. Backbook

    Grace O'Brien

    Rates moved. She’s about 0.90% over your best rate: worth a repricing call.

  3. Backbook

    Mei Lin Chen

    Her loan turns three in 6 days. A yearly check-in is ready to send.

  4. Backbook

    Tom & Jess Whitford

    Settled 30 days ago. A light “how’s it going” is ready, no call needed.

  5. Backbook

    Sarah Bennett

    No contact in 7 months. The cash rate has moved since: say hello?

Fixed rates and interest-only ending · RBA moves · Anniversaries · New settlements · Clients gone quiet

No consent links for your clients to click. Your whole book is covered, and your client list stays on your device. It’s never uploaded.

AI that writes like you.

  • Written from your noteswhat you wrote last time becomes the personal touch “Mentioned their sister is looking for her first home” How's your sister's house hunt going? Happy to help.
  • Learns how you writefrom the drafts you change before sending Hello“Hey”, then their first nameLearned Sign-off“Cheers”, then your nameLearned LengthShort, two or three sentencesLearned
  • Or keep it on your laptopon by default: nothing is processed externally Draft on this deviceClient details never leave your laptopOn Outside AI providersNone, while it’s onNone

Built around your book.

  • Rate monitorRBA moves and 16 lenders’ advertised rates RBA cash rate4.60%▲ 0.25 Mei Lin Chen6.74% est. · CBA−$423/mo Grace O'Brien6.69% est. · ING−$259/mo
  • A nudge when there’s no replyonce, a week after an important message Sione FifitaMessaged 7 days ago · no replyReady Just bumping this up in case it got buried.
  • Results you can seewho stayed, and what you saved them Grace O'BrienRepriced to 6.34%−$102/mo Olivia NguyenFixed againKept
Rooftops and a white weatherboard gable under a blue sky with clouds.

Call the right clients first.

Questions

Does it connect to MyCRM?

Export your clients from MyCRM, or any CRM or spreadsheet, and drop the file in. Backbook works out the columns itself.

Does it send messages for me?

No. Backbook drafts each message and you send it from your own email or phone, so it always comes from you. Nothing goes out without you.

Do my clients need to connect their bank?

No. Open banking tools only watch the clients who agree to share their bank data. Backbook works from the list you already have, so it covers every client from day one. It sits happily alongside those tools.

Where is my client data?

In your browser, on your device. For an online draft, Backbook shares a client's first name, lender, key dates and up to two short talking points, never surnames, contact details or your notes. Turn on Draft on this device and nothing is shared at all. Privacy details.

Where do the rates come from?

The cash rate comes straight from the Reserve Bank, and advertised rates from 16 lenders’ public product data, checked daily. Backbook suggests the lowest as your best rate, or you set your own. Variable loans are moved by RBA changes since the rate on file, so they're estimates.

What if a client asks not to be messaged?

Mark them once and Backbook never drafts for them again. Clients whose notes mention a hard time, like a bereavement or illness, are paused too.

Do I need an account?

Not to look around: the sample book works straight away. To import your own list, sign in with your email, no password needed. An invite code switches on online drafting and imports your whole book.