For your loan reviews

Turn a loan review into a strategy conversation.

When a client who already owns property comes in for a review, you can now show them where each property sits in the market cycle, and what is worth keeping, refinancing or selling down. And if they decide to buy again, our strategists step in behind you.

Free for you to use. It lives inside the loan review you already do. Your client only pays if they choose to take the next step.

Portfolio Health Check
Resolving 6 addresses, pulling 5 live signals each, scoring the cycle...

Portfolio read

6 properties · 4 states
Combined value
$0
6 properties
Est. equity
$0
after loans
12m growth
0%
value-weighted
Avg yield
0%
gross
Confidence
0
1 flagged
14 Beach Road, Frankston VIC
$962k · 60% LVR
+13.2%Early expansion
8 Marine Parade, Cottesloe WA
$3.21m · 34% LVR
-0.6%Late expansion
22 Anzac Highway, Glenelg SA
$1.60m · 35% LVR
+4.6%Past peak
15 Boondine Way, Newman WA
$455k · 57% LVR
+15.5%Early expansion
3 Kurrajong St, Blacktown NSW
$690k · 62% LVR
+7.1%Mid expansion
61 Reef Court, Mackay QLD
data too volatile
flaggedPaused
1 property paused for specialist input, the tool refuses to guess when the data does not support a call.
How it works for you

2 conversations you can now have with any property-owning client.

You are already doing the loan review. This gives you something genuinely useful to say in it, and a specialist partner ready the moment the client wants to go further.

In the loan review

Read the properties they already own

For any client with existing property, see where each one sits in the market cycle and talk them through what is worth keeping, refinancing, or selling down. A real conversation, coming from you, in a review you were doing anyway.

If they want to buy again

Hand them to a strategist, but still stay in the room

Your client sits with an Alaya strategist and walks away with a suburb-level market report matched to their plan. You brought them something real, not a referral to go figure it out alone.

For you, the broker

Do you recognise any of these conversations?

You are already running the reviews and writing the loans. These are the moments where, right now, you have to change the subject. Not any more.

Your client
"I've built up a bit of equity now. Not really sure what I should do with it."

Right now that goes nowhere, it sits outside what you can advise on. This gives you something real to say, and when they are ready to finance the next move, you are already in the room.

Your client
"Everyone's telling me something different about where the market's headed. I don't know what that means for my places."

Now you can show them exactly where each property sits in the market cycle and what to do about it. This lets you step into the advisor role completely.

Your client
"Hey, someone's offered me a lower rate, so I'm thinking of moving."

When they built their property strategy with you, they raise it with you first instead of just leaving, and they stay, because literally no one else is offering this, something this strategic and comprehensive.

Where Alaya fits into what you already do

The loan is yours. The property strategy sits outside a broker's remit, and your clients still need it. Here is how the two lock together.

You handle the loan

Borrowing power, structure and the finance. The part only you can do, and the reason they came to you.

Your client wants more

Where do my properties sit? What should I do next? Where should I buy? Questions a loan alone cannot answer.

A

Alaya, right behind you

The strategy, the cycle read and the suburb research. Handled by a licensed partner, and it always points back through you.

Your client stays yours. We work behind you, never around you.
The broker tool

Read the portfolio they already have.

The broker tool works on a client's existing properties. Enter them once, and it shows where each one sits in its cycle, and whether it is worth keeping, refinancing, or selling down to free up capital.

Pocket-level decode
Same suburb. 7-fold difference.

2 properties in Frankston, same postcode: the north pocket grew 14.2% over 2 years, the west rail corridor just 1.7%. Suburb medians hide this. The tool goes to the pocket.

North pocket
+14.2%
West corridor
+1.7%
What you get

Every property, decoded to the pocket it actually sits in.

Type an address and see the exact sub-market it belongs to, not just the suburb. Growth, sale speed, median price and yield, with a plain-English read on what it means for that property.

  • Pocket tier: top 3, mid-pack, or lagging
  • 2-year pocket growth against the suburb median
  • Time on market, median sold price and gross yield
  • A plain read on whether to keep, refinance, or sell down
Cycle position engine
Where does each property sit?
RecoveryEarlyMidLatePast peak
Recovery
Prices are bottoming out and starting to find a floor. Often the point of maximum opportunity, if the fundamentals support it.
The portfolio health check

Every property scored, and mapped to its place in the cycle.

Enter a client's whole portfolio, 2 to 8 properties, and each one is read across 5 live market signals, then mapped to a phase, from recovery through to past peak. You see the phase, the tool keeps the maths.

  • 5 weighted signals per property
  • Cycle phase from recovery to past peak
  • Combined value, debt and usable equity, driven by inputs from you
  • Keep, refinance, or consider selling, per property
The 10-year forecast

Show them what each decision is actually worth.

Toggle between holding, selling down, and redeploying capital, and watch 10 years of equity move in front of the client. Selling costs, capital gains, stamp duty and lending caps are all built in.

Hold everything Sell & redeploy Glenelg Sell & redeploy Cottesloe Sell & redeploy both
Over 10 years, this client could be holding steady to $7.4m
Advice-safe by design

When the data does not support a call, it refuses to guess.

This is what keeps you inside your regulatory scope. The tool flags the property, shows why, and points to a specialist conversation, rather than pretending to know.

! Cycle read paused for this property

Prices in this market have fallen sharply over the past year, significantly faster than the multi-year trend already in place. At the same time, the underlying market signals are pointing the other way. No single phase reads cleanly.

Worth a deeper conversation with property specialists like Alaya before any move on this property.
The next step

When they are ready to buy, we take it from there.

The broker tool reads what they already own. If the plan is to acquire, that is a separate layer: a strategy chat with our head of strategy, modelled live in PropGoal, then suburb research built around that exact client.

1 Strategy chat, modelled live in PropGoal
Their whole plan, built on screen while they watch.

Your client sits with Pedro, our head of strategy. As the conversation happens, PropGoal models the plan over whatever time horizon they are working to, properties, portfolio value, passive income against their goal, and net debt. They leave with a clear plan to work towards, built on their own numbers.

SC
Sarah ChenACTIVE
Modelled live in PropGoal
0Properties acquired
$0Projected portfolio value
$0Passive income p.a.
$0Projected net debt
Investment portfolio value
Today+10 yrs+20 yrs
Passive income vs their goal
Income goal reached 2043
Today+10 yrs+20 yrs
Income goalProjected passive income

Illustrative model output, refreshed live as assumptions change. Not a forecast or financial advice.

2 Suburb research, narrowed to them
From a whole country to a shortlist that fits them.

The plan from the strategy chat drives every cut. We start with every residential suburb in Australia and narrow, against hard data, to the few that genuinely fit that client for a new purchase.

~15,000Residential suburbs across Australia
~1,200Survive the macro and state-cycle filters
80Pass the fundamentals, supply and demand screen
ShortlistThe suburbs that genuinely fit the client, within budget
Fundamentals
Affordability <50 yrs
Years for a local on the median income to fully own a home at current prices.
Owner-occupier mix ≥65%
Owner-dominated suburbs hold value better through the cycle.
1yr price growth up to 10%
Moderate, not a hotspot. We want runway left, not a market that has already run.
Supply
Stock on market <1%
How much of the suburb is for sale right now. Tight supply supports price.
Inventory <1.5 mths
How long it would take to clear everything listed at current demand.
Hold period >7 yrs
Long holds mean a settled, committed market, not churn.
Demand
Vacancy rate <2%
Share of rentals sitting empty. Tight vacancy means strong tenant demand.
Days on market ≤70
How fast homes sell. Quick sales mean buyers are competing.
Then: the trend
Every metric is checked for direction. A suburb ticking the boxes today but quietly turning does not make the 80.

Suburb counts and thresholds shown here are illustrative examples of the process, not recommendations.

The deliverable

What your client actually walks away with.

Three things, built around them: a full health check on what they own, a strategy plan modelled live, and a shortlist of suburbs matched to their goal, each with its own report.

1
Portfolio health check

Every property they own, read for cycle position, equity and what to do next.

2
Strategy plan in PropGoal

Their plan modelled live against their goal and time horizon.

3
Suburb reports

A shortlist matched to them, each suburb its own deep report.

A sample of the suburb reports they receive

Every suburb is read across dozens of signals and the direction each one is heading, not just its median. Three from a shortlist:

Ravenswood
TAS · Launceston
Growth fit
Median$471k
Gross yield4.8%
Vacancy0.9%
Days on mkt28
Owner-occ72%
Years to own34
15yr patternSteady
Infra spendHigh
Affordable and tightly held, with vacancy tightening and homes selling faster. Still early in its run, so there is room left rather than a market that has already moved.
Armstrong Creek
VIC · Geelong
Balanced
Median$655k
Gross yield4.1%
Vacancy1.3%
Days on mkt33
Owner-occ78%
Years to own41
15yr patternSteady
Infra spendHigh
Owner-occupier heavy and sitting in a funded growth corridor. Demand is underpinned by real infrastructure, which makes it a steadier, balanced hold rather than a punt.
Redbank Plains
QLD · Ipswich
Cashflow tilt
Median$610k
Gross yield5.0%
Vacancy1.1%
Days on mkt24
Owner-occ65%
Years to own30
15yr patternRising
Infra spendModerate
A higher yield to support cashflow without giving up demand, vacancy is tight and homes are selling quickly. Tilts the plan toward income as it matures.

Suburbs and figures shown are illustrative examples of the process, not recommendations.

Your client gets a live, personalised link, not a static PDF

Every report is delivered as an interactive link the client can open, explore and come back to. Here is a sample of the depth behind it.

Download a sample report (PDF)
The package

Free for you. Paid by the client, only if they choose to.

Using Alaya Intelligence in your loan reviews costs you nothing. Your client only pays if they decide to take the next step, and even then it comes back to them.

For you, the broker
$0always
Free to use, built into your loan review.
  • Read any client's existing portfolio, cycle position and a keep, refinance or sell-down read
  • Have a real strategy-level conversation in a review you were doing anyway
  • Bring in an Alaya strategist the moment your client wants to buy again
  • Keep the client and the relationship, you stay the trusted point of contact
  • No subscription, no lock-in, no cost to you
For your client, only if they proceed
$3,300one-off
A single, fixed fee. Credited back to the client on a full purchase.
  • A full portfolio health check on everything they already own
  • A strategy chat with our head of strategy, modelled live in PropGoal
  • A shortlist of suburbs that fit them, each with its own plain-English report on why it fits and what to watch
  • A 10-year forecast of each hold, refinance and sell decision
  • Fully credited back to the client on a full purchase with Alaya

Your client can always run the buy themselves. Most would rather have it done for them, and if they go full service, the $3,300 comes straight off the fee. You are the one who set it all up.

Getting started

These are your 5 steps.

1

Onboard with Alaya Intelligence

A quick, free setup drops the broker tool into your workflow. Nothing to pay.

2

Enter the client's property details

Put in what your client owns, and the tool builds a fully unique, personalised report for them.

3

Bring the report into the loan review

Share the link as part of the loan review conversation you were already having.

4

Have the strategy conversation

Talk the client through what the report shows, where each property sits, and what is worth keeping, refinancing or selling.

5

Bring in Alaya, if it aligns

If the client wants to buy again, hand them to our strategist for the strategy chat and suburb research.

Alaya Intelligence
A
Welcome to Alaya Intelligence
Your broker workspace is ready.
Get started
Free for brokers
Input the client's existing portfolio
Address
Purchase price$720,000
Loan balance$580,000
Weekly rent$574
Generate report
Personalised report generated
Share it in your follow-up
ToSarah Chen
Subject

Hey Sarah,

Great chatting today. With the loan review sorted, I ran your 3 properties through our market tool to see where each one sits in its cycle right now.

Have a look for yourself. The quick version: two are still building, one is closer to the top. I'll call you Thursday to talk through the options from here.

Send
Where their properties sit
Frankston VICEarly expansion
Keep
Cottesloe WALate expansion
Refinance
Glenelg SAPast peak
Sell down
RecoveryEarlyMidLatePast peak
Keep, refinance or sell down, property by property.
Strategy session with Alaya
0Properties
$0Projected value
$0Passive income
Portfolio value
Today+10 yrs+20 yrs
Income vs goal
Goal reached
Today+10 yrs+20 yrs
Handed to our strategist and modelled live in PropGoal.
Straight answers

Common questions.

How is this different from the usual suburb reports? +

Those give you a suburb median. This goes to pocket level inside each suburb, because 2 properties in the same postcode can be in completely different markets. It also adds a cycle-position read and a 10-year forecast tool. Nothing else on the market combines the two.

Is this financial advice? +

No. Every screen is framed as informational, and every action-related read recommends the client speaks with their financial adviser, broker and buyer's agent before any move. When the data is too messy to be confident, the tool flags it and refuses to make a call. It is decision-support, not decision-making.

How reliable is the cycle-phase read? +

This is the exact methodology Alaya uses to read the market for its own clients. Over the past 12 months, the markets we selected using it have grown around 16% on an annualised basis, across hundreds of properties. It has been tested and validated by hand across 100+ diverse Australian suburbs, spanning every state, price point and property type, and conservative flag rules catch the edge cases where the data does not support a confident call. Past performance is not a guarantee of future results.

How often is the data refreshed? +

The underlying market data refreshes monthly, and the tool re-scores your active client portfolios daily.

Why trust the read

This is the same methodology Alaya invests by.

~16%
annualised growth over the past 12 months in the markets Alaya selected using this methodology, across hundreds of properties
100+
Australian suburbs the approach was tested and validated across by hand, metro to mining to coastal
Every
suburb in Australia covered, refreshed monthly

See what our results have been so far →

Figures are Alaya's own and illustrate the methodology. Past performance is not a guarantee of future results.

Everything your client needs to make the call, in one place.

The read on what they already own, a strategy chat, and a suburb shortlist built around them. Free for you to bring to the table, and it keeps your clients close.