The short version
Both products help Australian mortgage brokers spot at-risk clients before they refinance away. Sherlok is purpose-built around retention notifications and lender repricing workflows. TrailScope is broader: full trail/upfront/clawback analytics plus retention scoring plus AI insights, with a focus on actionable book intelligence rather than just notifications.
| Capability | TrailScope | Sherlok |
|---|---|---|
| Trail / upfront / clawback dashboard | Yes | Limited |
| Retention scoring (per-loan risk) | Yes — 8 weighted factors | Yes |
| Refinance / repricing automation | Tasks + alerts, no auto-reprice | Auto-reprice workflow |
| AI Insights (aggregate, BYOK) | Anthropic / OpenAI / Gemini | No |
| AFG clawback schedule built in | 56 lenders × 8 bands | Not advertised |
| PDF reporting | 6 fixed + DIY custom | Yes |
| Australian data residency | AWS Sydney | Australian-hosted |
| Pricing | A$15 / A$35 per month per broker / brokerage | Tiered, higher entry point |
Where each fits
Choose Sherlok if your primary need is automated lender repricing — sending lender repricing requests programmatically with a structured workflow around them.
Choose TrailScope if you want the full portfolio picture: cash-flow analytics, retention scoring, clawback exposure, AI insights on top of a clean dataset — and you'd rather your brokers handle repricing manually but with full context.
Some brokerages use both: Sherlok for the reprice automation, TrailScope for the analytics and forecasting layer.
Integration overlap
Both products ingest the same aggregator exports (AFG, Connective, MyCRM, Salestrekker). If you've already exported a trail report this month for one tool, the same file works in the other.
Data handling
Both hold data in Australia. TrailScope's AI features run on aggregate-only context (no client PII goes to the model) and support bring-your-own-key for unlimited use. See Security for the architecture.
FAQ
Can I migrate from Sherlok to TrailScope?
Yes — TrailScope ingests the same aggregator exports. Onboarding is upload-driven; you don't need to migrate any Sherlok-specific data.
Does TrailScope auto-send reprice requests like Sherlok?
No. TrailScope flags loans at risk and gives you the context, but the reprice request itself is sent by the broker through the lender's normal channel.
Does Sherlok have AI insights?
Not in the sense TrailScope does. TrailScope's AI Insights uses Anthropic, OpenAI or Google Gemini against an aggregate context to answer free-form questions about the portfolio.
Is one cheaper than the other?
TrailScope's entry-level price is lower. Sherlok's pricing scales with book size; TrailScope's scales with brokers / loan count. Confirm both against your specific numbers.
Can I trial both?
TrailScope offers a 14-day free trial. Sherlok's trial terms are on their site.