Trail book valuation calculator
Estimate what your book could sell for, with the same multiple-based math the bigger aggregators apply. The full PDF in Trail AI goes deeper with A–E loan grading and lender concentration.
Inputs
Run-off is what % of your book discharges each year. Top-lender share is how concentrated your trail income is on one bank — the higher, the riskier to a buyer.
Estimated sale value
Heuristics only. Trail AI runs the full §10.3 algorithm — A–E loan grading, arrears, clawback, settled-age — on every loan in your book to produce a defensible PDF.
This calculator estimates what a mortgage trail book could sell for, using the multiple-of-annual-trail approach buyers and aggregators apply across the Australian market. It is a starting point for a conversation, not a formal appraisal.
Thinking about buying or selling? Start with selling your mortgage trail book, read how to value an Australian trail book, and understand what run-off rate means to a buyer.
- How is a mortgage trail book valued in Australia?
- Trail books are usually valued as a multiple of annual trail income (recurring trail commission ex-GST). Typical multiples sit somewhere around 1.5x–2.5x, but the real number depends on run-off rate, lender concentration, the average age of the loans, and how clean the data is. A book with low run-off and a diversified lender spread sells at the top of the range; a concentrated, ageing book sells below it.
- What is a good multiple for a trail book?
- There is no single rate-card — buyers price the quality of the cash flow, not just its size. Stable, well-documented books with predictable run-off command higher multiples. This calculator uses a multiple-based estimate; the full Trail AI valuation PDF goes further with A–E loan grading, clawback exposure, and lender-concentration penalties.
- How does run-off rate affect the value?
- Run-off is the rate at which loans (and their trail) leave your book through refinancing, discharge, or repayment. Higher run-off means the income stream decays faster, so a buyer pays less for it. Lowering run-off — through retention — is the single biggest lever on what your book is worth.
Want real numbers from your book?
Upload one aggregator statement. Trail AI pulls every loan, scores every refinance candidate, and produces a sale-value PDF in minutes — no spreadsheet.