Mortgage brokers are in a brutal referral game. You need to be top of mind with real estate agents, accountants, financial planners, and past clients — all at the same time.
Most brokers spend hours on content that gets ignored. Here are 8 AI prompts that change that. Each uses the Role/Context/Format framework: the more specific the input, the better the output.
Prompt 1: Post-Settlement Follow-Up Email
Role: Mortgage broker writing a post-settlement email.
Context: Client name: [Name]. Purchased a [property type] in [suburb] for [price]. Loan: [type] at [rate]% with [lender]. Key concern during the process: [e.g. rate rises, tight deposit, LMI cost].
Format: 150-word email. Acknowledge the milestone. Address their main concern briefly. One forward-looking tip (offset strategy, first review date). Soft CTA to refer a friend or leave a review.
Anti-pattern: Don't just write 'congratulations on your settlement.' Reference something specific from their journey. Specificity creates memorable emails that generate referrals.
Prompt 2: Rate Change Client Communication
Role: Mortgage broker writing a proactive client update after an RBA rate decision.
Context: RBA [increased/decreased] cash rate by [X] basis points. Affects [number] of your variable rate clients. Average loan balance: $[amount]. Repayment change: approximately $[X]/month.
Format: 200-word email. Lead with the dollar impact. Three specific options for the client (switch to fixed, refinance, increase repayments). Clear CTA to book a 15-minute call. Calm, professional, not alarmist.
Anti-pattern: Don't bury the rate change in paragraph three. Lead with the number: 'What does this mean for your repayments?' Then explain options.
Prompt 3: Referral Partner Introduction (to Real Estate Agents)
Role: Mortgage broker writing an introduction email to a real estate agent.
Context: Agent: [name, agency, suburb]. How you found them: [specific — e.g. sold a home you recently financed]. Your value prop for referral partners: [fast pre-approvals, regular updates, no client poaching].
Format: 150-word email. Open with a specific observation about their work. State your value proposition. One differentiator. CTA: coffee or a 15-minute call.
Anti-pattern: Agents care about one thing: will you look after their clients and reflect well on them? Address that directly. No walls of text about your qualifications.
Prompt 4: LinkedIn Market Insight Post
Role: Mortgage broker sharing a market insight for their referral network.
Context: Insight: [e.g. fixed rates have dropped below variable / lenders are competing hard for refinance business / APRA buffer rate under review]. What it means in plain English: [1-2 sentences].
Format: 150-word LinkedIn post. Strong first line (no 'I am excited to share'). Specific insight. What it means for buyers or refinancers. End with a question to drive comments.
Anti-pattern: Don't open with 'Great news for borrowers!' Lead with the specific fact: 'Fixed rates just dropped below variable for the first time since 2022.'
Prompt 5: Fixed Rate Expiry — Refinance Review Letter
Role: Mortgage broker writing a letter to a client whose fixed rate expires in 90 days.
Context: Client: [Name]. Current loan: [lender], [rate]% fixed expiring [date]. Balance: $[amount]. Repayment: $[amount]/month. Estimated current market rate for their profile: [rate]%. Potential monthly saving: $[amount].
Format: 200-word letter. Lead with the dollar saving. Explain revert rate vs. refinancing. Two clear options. CTA to call within 30 days. Urgency without pressure.
Anti-pattern: Don't write a generic 'your fixed rate is expiring' letter. Lead with: 'You could be paying $[X] less per month. Here is how.'
Prompt 6: First Home Buyer Nurture Email (Email 1 of 5)
Role: Mortgage broker writing the welcome email in a first home buyer nurture sequence.
Context: Subscriber downloaded: [guide name]. Current stage: [e.g. saving for deposit, pre-approved but still searching]. Your business is based in [state].
Format: 250-word welcome email. Thank them. Set expectations for the sequence. Deliver one immediately useful tip. Soft CTA to reply with their biggest question. Warm and personal.
Anti-pattern: Do not make the first email a sales pitch. The goal of email 1 is to build trust and get a reply. Earn the sale in emails 3 and 4.
Prompt 7: Google Review Request SMS
Role: Mortgage broker sending a review request to a client who settled last week.
Context: Client first name: [Name]. Settled on: [property type]. Specific win: [e.g. unconditional approval in 4 days, navigated complex self-employed application]. Review link: [link].
Format: SMS under 160 characters. Personal and direct. Reference the specific win. Link to review page.
Anti-pattern: 'Hope you are well, we would love a review' gets ignored. Name a specific outcome you delivered. People review what they remember.
Prompt 8: Instagram Myth-Busting Post
Role: Mortgage broker creating an Instagram post that busts a common home buying myth.
Context: Myth: [e.g. 'You need a 20% deposit' / 'You cannot buy with HECS debt' / 'You need 2 years in your job']. The truth: [what is actually required and the nuance]. One action they can take now.
Format: 3 caption variations: (1) myth vs. fact, (2) story-led, (3) question hook. Each under 100 words. 5 relevant hashtags with local suburb/city tags.
Anti-pattern: Do not just correct the myth — add the nuance. Under what circumstances is it partially true? That is the insight that gets saved and shared.
Free Calculators Worth Sharing With Clients
These free tools are useful to include in your client nurture emails:
- Mortgage Repayment Calculator — P&I vs interest-only, with offset projection
- Stamp Duty Calculator — duty by state including first home buyer concessions
- Income Tax Calculator — helps clients understand take-home pay and borrowing context
Take It Further
The Mortgage Broker Content Calendar ($19 AUD) gives you a full 30-day content plan pre-mapped for mortgage brokers — LinkedIn posts, email sequences, and social content ready to customise.
Or grab the AI Marketing Prompts Starter Pack ($19 AUD) — 20 structured prompts across all content types.
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