Client and business letters
Broker letters at settlement
Settlement is the moment a broker disappears. The client has the loan, the relationship has no further reason to continue, and in four years they will refinance with whoever is in front of them. A letter at settlement is the cheapest thing that changes which broker that is.
Written by Autopen Australia · Updated
At settlement
[FIRST NAME],
Settled. Congratulations on [ADDRESS] - it took longer than any of us wanted and you were patient through the parts that were nobody’s fault.
Nothing needed from you now. I review every client’s loan each year and I will be in touch in [MONTH] with where yours sits. If anything changes before then, ring me.
[NAME], [MOBILE]
For a first home buyer
Different letter. They have no idea what happens next and most of their anxiety is about things that are not the loan.
[FIRST NAME],
First house. Congratulations.
Two practical things nobody tells you: the first direct debit comes out on [DATE], and your rate will move at some point without anybody writing to tell you it has. I watch that for you and I will say something when it matters.
Everything else, ring me rather than the lender. The lender will put you on hold.
[NAME], [MOBILE]
For an investor or a repeat client
[FIRST NAME],
[ADDRESS] settled. That is [NUMBER] together now.
Structure is as we discussed and I will flag the fixed expiry on [PROPERTY] well before it lands rather than on the day. Nothing for you to diarise.
[NAME], [MOBILE]
Getting it right
- What to mention. Congratulations on the property rather than on the loan. What you will do from here, specifically and with a date attached. Nothing that asks for anything now.
- What to leave out. Rate talk at settlement. A referral request in the same breath. Anything that reads as a cross-sell, which at this exact moment is the most unwelcome thing in the envelope.
- How long. 60 to 100 words.
- How personal. Personal. The client has just been through months of paperwork with you and a formal note is a strange way to end it.
Personalising more than a handful
The fields that earn their place here: [FIRST NAME], [ADDRESS], [MONTH], [DATE], [NUMBER].
The first repayment date is the single most useful merge field here and the one most often taken from the loan approval rather than the settlement record, which makes it wrong by days or weeks. Pull it from the lender’s settlement confirmation or leave it out.
Before any run, read the piece with the longest value in your data, the shortest, and the empty one. If all three read as English the merge is sound. Personalising direct mail at scale covers the rest.
Sending these at volume
Settlements land every week of the year in ones and twos. A broker writing them by hand manages it for about two months, which is roughly how long most brokers tell you they kept it up.
Autopen Australia writes each piece individually with a real ballpoint, personalises every piece from your list, written into the sentence rather than dropped into a gap and hand-addresses the envelopes.
Settlements arriving weekly and the notes not going out? Ask about weekly batches
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