Protect your trail before someone else refinances it.
Rate cuts are triggering a refinancing wave, and clawback exposure with it. BitWyzard reviews your trail book to surface at-risk loans, refinance opportunities and repricing wins, so you keep the client instead of losing the trail.
The refinance wave is a retention test.
Industry data shows the share of loans hit by clawbacks has roughly doubled as refinancing accelerates. The exposure is concentrated and, critically, visible in advance.
Clawbacks ~doubled
As clients shop again, more loans discharge inside the clawback window, quietly eroding income you've already booked.
Risk is predictable
Sharp-rate purchases and rate-shoppers are identifiable in your book today, if someone is watching for them.
Retention beats replacement
Repricing or refinancing a client yourself protects the relationship and the trail. Losing them costs both.
A prioritised action list, not just a dashboard.
- Loans flagged by clawback and refinance risk
- Repricing & top-up opportunities surfaced
- Clients ranked by who to contact first
- Retention playbook for each at-risk segment
- Refreshed on a schedule that suits your book
Powered by BitFlow, offered free to partners.
Our BitFlow Trail Book tracks your book continuously and feeds the assessment. Partners get it as part of working with us, the same ground competitors charge SaaS fees to cover, tied directly to action. How BitFlow works →
Trailbook & clawback questions.
What is a Trailbook Assessment? +
Why does clawback exposure matter more in 2026? +
Do you contact my clients? +
How is this different from trail-book software? +
Read the guide: protecting your trail book in a refinance wave →
See what's hiding in your trail book.
Request a confidential Trailbook Assessment. We'll show you the at-risk loans and the retention plan, no obligation.