At Trail, we make it easy to help you present your Mortgage Statement of Advice to your client. This is done within a Mortgage Advice Opportunity, under the "Mortgage Recommendation" page:

There are 2 distinct ways you can do this;

In this article, we will cover the standard Mortgage Recommendation (static) page that you land on when you first enter this section. This is the straight forward, easiest way and covers all the areas to present your Advice!

At the top of the page, as the first things to do, put in the approved amount of lending for this client. Also include how much Cash Incentive there is offered:

Next allocate your recommended loan structure to your client as you fill out the finalised Loan Structure table:

This table will look to the "Approved Amount" field at the top of the page to assist and remind you how much left there is to allocated ("Maximum Left To Allocate" $). This is seen bottom right of the table. You will also see an estimate of the Monthly Repayments here as you start to fill up the details.

Use the "Add Loan Structure" button to allocate your recommendations. Once a new entry appears, click into it to edit the details:

Fill up the table, generally with nothing left to allocate, before proceeding!

Next you are ready to give your reasonings for your recommendation!

Do this here in the text box and use the text tools like bullet/ numbered points, bold or underline headings or important points to make your advice easier for your client to read and understand:

If you are writing extensively and wish to view all the text as you go, you can click the bottom right corner of the text box to enlarge it! 👍

As for the next step - the details regarding the new loan:

The final part of this is to fill in the specifics about this lending scenario to your Mortgage Recommendation disclosure template.

A copy of the "Mortgage Recommendation" disclosure template from your Disclosure Settings, comes with this section of the Mortgage Advice Opportunity.

Having a base template here makes it easier to is to allow you to further edit it to suit this particular lending scenario & client:

Once all the above information is completed & filled in, you can then do the final checks of your Mortgage Recommendaton PDF!

To do this, first click "DOWNLOAD" a copy of the PDF to your computer - this allows you to open the final Mortgage Recommendation PDF to do final checks of all the wording, text is showing correctly:

Once checked it is all looking good, you can email your client! To do this, click "EMAIL PDF":

This will bring up your Mortgage Recommendation Loan Structure email template (that you can customize in your Email Template Settings). You do not need to attach the Mortgage Recommendation PDF you just downloaded, because a copy is already here:

You may want to take this opportunity in this email template to prompt your client to view your Mortgage Recommendation PDF, ask any questions they have, or if everything makes sense, then to respond by confirming they are happy with the loan structure in the recommendation.

This will mean you get an email record of your client agreeing to your advice 👍

To assist with this process, depending on how you usually operate, you can add extra attachments, or edit the wording in the email to sound more like you (can also edit this particular email template) or add extra people to 'CC in.

Once you are all done, you can click "Send" on the bottom right to send this to your client!

If your email integration is set up in Trail, then this email should then show up in your client's Profile Timeline, and becomes a record to evidence this stage in your Advice Process! ✅