You already know the pattern. Monday morning, six voicemails. Four are tyre-kickers who saw a 2.9% ad on Instagram and want to borrow $850,000 on a $60,000 salary. One's a refinance that belongs to a bank employee. One might be real. You spend ninety minutes returning all six before you find out which is which.

An AI voice agent flips that equation. It picks up every inbound call in under three seconds, runs the same NCCP-aware discovery questions you would ask, and only puts qualified leads into your diary. The rest get a polite explanation and a link to your educational content. Your calendar fills with people who actually have deposit, income, and intent. Here are the eight qualification questions a well-configured agent asks before it books your time.

1. What type of property are you looking to finance?

The agent starts with property purpose: owner-occupied purchase, investment purchase, refinance, or construction. It logs the answer in a custom field and branches the script. If the caller says land-and-build, the agent explains your construction-loan process and asks whether they already have council approval. If they say refinance, it jumps straight to current loan balance and rate. This single question cuts thirty seconds of back-and-forth and sets context for everything that follows.

2. What's your borrowing amount and deposit situation?

Next, the agent asks how much they want to borrow and how much deposit they have. It calculates LVR in real time and flags anything over 80% for LMI discussion. On one call we listened to last Tuesday, a caller said $720,000 loan with $40,000 deposit on a $760,000 purchase. The agent noted the 95% LVR, confirmed the caller understood LMI would apply, and asked whether they had family willing to act as guarantor. The entire exchange took forty-five seconds and the answer went straight into the Salestrekker contact record.

3. Employment type and income verification

The agent asks whether the caller is PAYG, self-employed, or casual. For PAYG, it confirms length of employment and asks if they can provide recent payslips. For self-employed, it asks how many years of tax returns they have and whether their accountant has already prepared financials. Casual and contract workers get asked about tenure and whether their employer will confirm ongoing engagement. This is basic NCCP responsible-lending groundwork, and the agent captures every detail in structured fields your CRM can report on.

4. Credit history and existing liabilities

The agent asks if the caller has any defaults, judgments, or bankruptcies in the past seven years. It also asks about existing liabilities: credit cards, car loans, HECS, buy-now-pay-later accounts. The tone stays neutral and the script makes clear that many liabilities are manageable. If the caller discloses a default, the agent asks how old it is and whether it's been paid. All of this goes into your deal pipeline so you can triage before the appointment.

5. Property location and settlement timeline

The agent confirms which state and suburb the property is in, then asks when the caller wants to settle or refinance. If they say "we've signed a contract and settlement is in five weeks," the agent flags urgency and offers your next available same-week slot. If they say "just looking around," it books a later slot and sets a follow-up SMS sequence. Location data also triggers state-specific compliance notes in the record.

6. First-home buyer or repeat purchaser?

This question determines eligibility for state grants and stamp-duty concessions. The agent asks whether the caller has owned property before and logs first-home status. For first-home buyers, it mentions that you'll walk them through available grants at the appointment. For repeat buyers, it skips that part and moves to investment-loan structuring if relevant.

7. Preferred contact method and availability

The agent asks whether the caller prefers email, SMS, or phone for appointment reminders and document requests. It also asks what times work best: weekday evenings, Saturdays, or business hours. If your calendar integration is live, it offers three specific slots. If not, it captures availability and sends the details to your task queue for manual booking.

8. How they found you and any referral source

Finally, the agent asks how the caller heard about you: Google search, referral from a friend, real-estate agent introduction, or social media. If they mention a referral, it asks for the referrer's name so you can thank them. This last question feeds your marketing attribution and keeps your referral pipeline warm.

What happens after the eight questions

Once the agent has all eight answers, it writes a structured summary into your Salestrekker pipeline. Each field maps to a custom property: loan amount, LVR, employment type, credit-history flag, settlement urgency, first-home status. You open your CRM in the morning and see exactly who's worth a thirty-minute pre-approval conversation and who needs more education first. The unqualified leads still get a polite SMS with a link to your broker guide and an invitation to call back when their situation changes.

The result: your calendar fills with people who have deposit, income, and a realistic timeline. You spend less time on dead-end discovery calls and more time writing loans.

Sign up at app.voxreach.com.au/signup and configure your first qualification script in under ten minutes. You get calls on your own number to test the flow.