While you're in a client meeting, on the school run, or asleep — Settled Edge AI captures your leads, qualifies them, and books the appointment. No missed calls. No cold leads by Monday morning. No more working evenings.
The only done-for-you AI lead system built exclusively for New Zealand mortgage brokers — live in 2 weeks, guaranteed to deliver 20% more booked appointments in 30 days or we work for free.
But that's what it's become. You're settling 4-5 loans a month, running everything yourself, and somewhere between the credit checks, the lender calls, and the client meetings — another enquiry landed after hours and went cold before you even knew it existed.
When leads call after hours or on weekends, nobody answers. By Monday morning, they've already called your competitor who answered. You're losing thousands in potential commissions every month to brokers who respond faster.
You spend hours every week manually qualifying leads over the phone. Half of them aren't ready to proceed, but you still waste time on each call when you could be closing deals with serious clients.
NZ lending was up 23.5% year-on-year in December 2025. The first broker to respond wins the loan — and right now, that's often not you. Not because you're not good enough. Because you're not available when borrowers decide to act.
You built your business to serve clients brilliantly — not to be a 24/7 answering service. But in 2026, borrowers don't wait. And the gap between when they enquire and when you respond is costing you loans every single week.
Every missed call is a lost commission. It's time to automate your lead response.
Settled Edge AI is a done-for-you AI lead management system, built specifically for New Zealand mortgage brokers. It captures your leads from your website and social channels, responds within 60 seconds in your voice, qualifies each enquiry against your ideal client profile, and books appointments directly into your calendar — day and night, every day of the year.
This isn't a chatbot you configure yourself. This isn't a generic CRM automation that stops working at 5pm. This is a custom-built system, trained on your business and your clients, managed for you — so you wake up to qualified appointments already in your calendar, without having changed anything about how you work.
Here's exactly how it works — and why it's running in your business within two weeks of signing. ↓
Four steps. No technical knowledge required. No disruption to how you currently work.
In a focused discovery call, we map your ideal client, your loan specialisations, your aggregator setup, and your current enquiry process. This isn't a generic intake form — it's a proper business audit. We need to understand your voice, your clients, and what a qualified lead looks like for your specific practice before we build anything.
We custom-build your lead management system and train the AI specifically on your business — your services, your language, your ideal client profile. Where you've given us access to past client conversations, we use those to make the AI sound like you, not like a robot. This takes approximately 10 business days.
We integrate with your calendar, your CRM, and your website — working with whatever systems you already use. Leads from Facebook ads, Google, or referrals are automatically engaged within 60 seconds via SMS or voice. No complex setup required on your end. We run live tests and refine the responses. You approve the final scripts before anything is switched on.
For the first two weeks after the system goes live, we monitor performance closely, catching anything that needs refinement in real-world conditions. After that, we handle monthly optimisation, performance reporting, and ongoing support. Your job is simply to show up to the appointments already in your calendar.
Not in theory. In practice — starting within 30 days of going live.
You stop chasing leads and start having conversations with borrowers who are already interested, qualified, and committed to a time in your calendar. The follow-up happens automatically. You just show up.
The system handles enquiries at 9pm on a Saturday, 6am on a Monday, and every hour in between. You stop checking your phone. You stop forwarding calls to your mobile. Your personal time stays personal.
Every Google Ad click, every aggregator lead — if they enquire after hours and nobody responds, you've wasted that investment. Settled Edge AI captures and responds to every single one within 60 seconds, regardless of when they arrive.
In a rate-cut environment, the first broker to respond wins the loan. Not the most experienced. Not the one with the best rates. The first. With a 60-second response guaranteed 24/7, you are always first.
The AI qualifies intent upfront — loan purpose, timeline, financial situation — before booking. Fewer tyre-kickers, fewer low-commitment borrowers, fewer clients who refinance early. Your loan book quality improves alongside volume.
Every borrower gets an immediate, warm, intelligent response in your voice. That first impression sets the tone for the entire relationship, and it reflects exactly the kind of professional, responsive practice you've built.
There is nothing to build, configure, or learn. We handle all of it.
A proper deep-dive into your business, clients, and processes — so the system is built around how you actually work, not a generic template.
Trained on your services, ideal client profile, loan specialisations, and where provided, your actual past client conversations. It responds the way you would.
Every lead, regardless of where it comes from, flows into one system and gets an instant, intelligent response within 60 seconds — 24/7.
Personalised, qualified response to every enquiry within 60 seconds. It qualifies their interest and moves them toward booking a consultation.
A 30-day nurture sequence keeps your leads warm between enquiry and appointment — reducing no-shows without any manual follow-up from you.
Appointments booked straight into your calendar. CRM updated automatically. No manual data entry, no back-and-forth scheduling.
Clear monthly report showing enquiries captured, appointments booked, and response metrics — plus a one-hour call to review and improve.
Direct access to your system builder via email and Slack. No ticket system, no offshore team, no waiting five days for a response.
Before working with us, we ask every broker to do one thing: call their own number at 6:30pm on a weekday. In every case, the call goes to voicemail. The Google Business Profile shows 'Closed.'
That's the moment a borrower decides to reach out — and gets nothing. Within 30 days of going live, that moment becomes an immediate SMS response, a qualification conversation, and a booked appointment. All automatic. All while you're watching television.
20% more booked, qualified appointments within 30 days of going live — or we work for free until you do.
We also guarantee your system is live within 14 business days of completing onboarding, or your setup fee is refunded in full. No arguments, no conditions.
I've been a property investor for 14 years. That means I've dealt with mortgage brokers dozens of times — as a client with real money on the line, real deadlines, and real anxiety about getting the right loan. I've experienced both sides: brokers who responded immediately and earned my business for life, and brokers who didn't respond until the next morning — and lost it to someone who did.
That experience gave me something no competitor in this space has: I know exactly what happens in the moment a lead goes cold — not from reading a case study, but from being that lead. I know what a borrower is thinking when they submit an enquiry at 9pm and hear nothing. I know how quickly interest evaporates.
Before building Settled Edge AI, I spent 28 years in enterprise technology as a senior sales and operations leader. I've spent nearly three decades inside CRM systems, optimising lead processes, and building the operational frameworks that keep businesses from losing revenue to process failures. I understand why leads fall through the cracks — and I know exactly how to fix it.
Settled Edge AI serves exclusively New Zealand mortgage brokers. Every system we build, every script we refine, and every optimisation we make is specific to this industry. You're not getting a generalised AI agency that learned about mortgage broking last week.
If something's not answered here, ask us directly — we'll give you a straight answer.
You've read this far because the 9pm problem is real, and you know it. The question isn't whether you need a system that handles leads when you can't — it's whether this is the right one for your business.
A discovery call takes 30 minutes. There's no sales script, no pressure, and no obligation. We look at your current lead process, talk about where enquiries are falling through the cracks, and tell you honestly whether Settled Edge AI is the right fit. If it's not, we'll say so.
Book your free 30-minute discovery call and demo below. Pick a time that suits you — including evenings and weekends, because we understand that's when brokers actually have time.
No sales pitch. No lock-in until you're ready. No technical knowledge required.
Just a conversation about your business and whether we can help.
The guarantee stands regardless of when you sign up.
20% more booked appointments in 30 days — or we work for free.
System live in 14 business days — or your setup fee is refunded.
Built exclusively for New Zealand mortgage brokers.