Overview

Picker Financial Solutions is a growing AFG brokerage led by Justin Picker, with five brokers and a dedicated retention specialist. Justin's business focuses heavily on helping first-home buyers and second-property purchasers enter the market using 5-10% deposits, meaning a large portion of their book involves Lenders Mortgage Insurance (LMI) deals. As property values rise, many of these clients move out of LMI territory, creating significant opportunities.

Justin joined the Stryd x AFG pilot to find a better way to proactively identify these opportunities across his growing client base, rather than relying on manual spreadsheets and periodic reviews.

The Challenge

With five brokers writing loans across the business, Justin needed a centralised view of his entire client book to spot retention and refinance opportunities. Justin wanted a tool that could surface clients paying above-market rates, flag properties that had grown in value, and help his retention team to proactively reach out to clients with compelling reasons to refinance.

The Solution

Through the Stryd x AFG integration, Picker Financial Solutions synced their loan book from AFG directly into Stryd. The platform immediately began surfacing actionable insights, including estimated interest rates, property valuations via PropTrack, and loan-to-value ratios.

Results

Stryd delivered immediate, tangible results for Picker Financial Services:

• $29,000 in annual savings identified for one client alone: Stryd flagged a customer paying above-market rates. The team refinanced them at a significantly better rate, saving the clients $29,000 per year.
• Equity unlocked for future investment: The same clients were able to release equity from their property to fund an upcoming investment purchase, adding further value to the relationship.
• More organised than existing tools: Justin noted that Stryd's dashboard was more organised and provided more accurate, up-to-date information than their previous retention tool.

Quote from Justin Picker

‍"Stryd identified that our clients Chris and Elise were not on a competitive rate. We saved them $29,000 a year by refinancing, got them a better interest rate, and allowed them to release equity for future property purchases. That's a fantastic result. We've had three or four other clients in a very similar scenario, so we've been very happy overall. I see this working with AFG brokers once we get it all integrated and set up -  it's the ultimate dashboard for keeping your finger on the pulse of who should be refinancing."

‍Why it Matters

‍For brokerages with multiple loan writers, staying on top of every client's rate, property value, and refinance eligibility is nearly impossible without the right tools. Stryd's integration with AFG gives brokers like Justin a single, organised dashboard to proactively manage their entire book. By surfacing real opportunities backed by real data, Stryd helps brokers protect trail income, deliver genuine value to their clients, and turn retention into a revenue-generating activity rather than an afterthought.