Priya & Arjun Nair

Qualified

priya.nair@example.com 0412 883 210 Parramatta, NSW

HotRefiBooked call

AI score

Refinance

SARA's qualification summary

Refinancing a $640k owner-occupied loan currently at 6.59% with CBA. Combined income $232k, stable PAYG, ~38% LVR. Strong candidate — SARA qualified and booked a strategy call for tomorrow 10am.

How SARA qualified this lead

SARA AI SMS Agent

Refi opportunity · Priya & Arjun Nair

Hi Priya, SARA here from Doyle Finance 👋 We noticed home loan rates have shifted and wanted to check in — our records suggest your current rate may be around 6.5%+. Would it be worth a 2-minute look at whether you could be saving?

SARA · 10:40 pm

Hi, yeah we're on 6.59 with CBA. Honestly hadn't looked in a while

Priya · 10:47 pm

Thanks Priya — that's really useful. Based on a $640k balance, moving to a comparable variable around 5.84% would save you roughly $302 a month, or about $3,600 a year 📉 That's without changing anything about how your loan works.

SARA · 10:48 pm

Wow ok that's a lot more than I expected. What's the catch / how much hassle is it?

Priya · 10:52 pm

Fair question! There's usually a small discharge fee from your current lender and a new application, but we handle the paperwork end-to-end and many lenders offer cashback that offsets the switching costs. The bigger question is whether the structure suits your goals — that's where Jordan can help.

SARA · 10:53 pm

Sounds good. Can we do a call?

Priya · 10:58 pm

Absolutely 🙌 Jordan has 10am tomorrow free — I'll lock that in and send a calendar invite. I'll also text you a short list of documents so he can give you exact numbers on the call. Talk then, Priya!

SARA · 11:12 pm

Conversation complete

✓ Engaged — call booked

Qualification

Annual income: $232,000
Employment: PAYG — both full-time, 4+ yrs
Credit: Clear — no defaults
Timeline: Ready now

Loan requested

$640,000

Refinance