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Use cases / Mortgage brokers

Call every lead before it goes cold

A new lead goes cold in minutes and the bank calls your renewals a year out. Elllo's outbound agent calls the lead back right away, asks the qualifying questions, books the appointment, and works your renewal list on a schedule, while you are with clients.

Live demo Discovery call

Calls back in minutes

A new lead is called the moment it arrives.

Asks your questions

Purchase or refinance, amount, timeline.

Books the appointment

Into your calendar, document list texted.

Works your renewal list

Paced through business hours, redialled.

Speed to lead, without the inside sales assistant

Your outbound agent calls a new lead the moment it arrives, from your own number, asks your qualifying questions, books the meeting into your calendar and logs the answers in your inbox. The same agent answers your line when you cannot.

Calls back in minutes

A new lead is called the moment it arrives, and tried again on your schedule.

Asks your questions

Purchase or refinance, amount, down payment, income range, timeline: your words, your order.

Books the appointment

Into a free slot in your calendar, with the document list texted to the client.

Works your renewal list

Uploaded and paced through business hours, redialling the ones who do not pick up.

Every call in your inbox before the meeting ends

Every call the agent makes or takes lands in your Elllo inbox with a summary, the transcript and the recording, tagged Urgent or Appointment, so you know which lead to call first. The same summary reaches you by text, email, push or Slack, whichever you read between client meetings.

A first-time buyer's call in the inbox, with the appointment it booked

The problem

Only 40% of leads get a call within 24 hours

You paid for the lead, then a client meeting ran long. By the time the callback happens the odds have collapsed, and the bank is already calling your renewals.

The lead-response studies are old and vendor-sourced, and they all point one way: the first minutes decide the deal. The renewal numbers are the Bank of Canada's.

40%

of leads called within 24 h

across 130 lenders; in Velocify's data only 3% were called inside the first minute and more than half waited two days. LeadQual, via National Mortgage Professional

21×

the odds at five minutes

of qualifying a lead with a five-minute response rather than thirty, in the classic lead-response study. Lead Response Management study, 2007

60%

of mortgages renew in 2025 and 2026

most at higher rates; about 28% of renewing borrowers switched lenders in 2025, and lenders now start retention calls twelve months out. Bank of Canada; Canadian Mortgage Professional

72%

would use a broker again

and brokers arranged 38% of 2025 mortgages, 48% for first-time buyers. Up to 28% of a book is at risk before the bank's call. Mortgage Professionals Canada, 2026

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How Elllo helps

An agent that works the list

Write your qualifying questions and your document list once. The agent calls, asks, books and logs; it does not assess the borrower or quote a rate. You do.

It qualifies the lead and books the appointment

Every qualification call asks the same things: purchase or refinance, property type, price or amount, down payment, income range and timeline. Elllo's outbound agent asks them in your words, texts the client your booking link or books straight into Google Calendar, and tells them what documents to bring. After the call you get the summary, the transcript, the recording and every answer as call details in your inbox, and the contact logged on HubSpot if you use it.

The agent's qualifying questions, the caller's answers and the lead details they produced

Your questions

The six qualifying questions, in your words and your order.

Books the meeting

Into your Google Calendar, with the document list texted to the client.

Call details

Every answer as a tile in your inbox: amount, down payment, income range, timeline.

Logs to HubSpot

The contact and the call, on the right record, without typing.

A renewal list paced across the week, with the appointments it booked

Your renewal list, worked before the bank calls

Upload your renewal list and Elllo works it at 20 calls an hour, inside business hours, redialling the ones who do not pick up, reminding each client that their term is ending and booking a review with you. A reminder to an existing client is the call the do-not-call rules allow, and the one that keeps the client. The same agent answers your inbound line when you cannot, puts an existing client through to you by name, and keeps the spam out.

Bulk upload and pacing

A CSV of renewals or leads, paced through business hours with redials.

Answers inbound 24/7

Takes the new inquiry, explains how you work and books the appointment.

Texts the client

Your booking link and the document list, sent during the call.

Filters spam

Robocalls and scam calls never reach your inbox.

How it works

1. Forward your number to Elllo

Bring your own number and go live in seconds — your agent works even if your phone is off. No tech skills required.

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2. Agent answers every call

After each call you will get a one line summary, a call recording, a full transcript, and all caller details.

3. Capture every lead

Your agent captures leads, books appointments, provides quotes, and answers questions about your business.

4. Get notified instantly

Get an instant notification of every call and use 3rd-party integrations to automate your customer service flow.

Missed calls in numbers

A funded mortgage pays about CAD 3,090. One lead a month that funds because it was called back in minutes instead of never is CAD 37,100 a year.

On a 300-client book, about CAD 78,000 of commission is in play at this renewal wave, decided by whoever calls first. Elllo's Small business plan is USD 97 a month; outbound calls are paid per minute from a prepaid wallet, so a qualification call costs a fraction of the lead. Commission: 85 basis points (REMIC) on the CAD 363,778 average new mortgage (Equifax, Q4 2025), before any brokerage split. The yearly figures are what one extra deal a month would be worth, not a measurement.

Funded deal, 85 bps

CAD 3,090 · CAD 37,100 a year at one a month

First-time buyer's deal

CAD 3,750 · CAD 45,000 a year at one a month

Renewal kept, 10 to 50 bps

CAD 360 to 1,800 · per client

Renewal moved through you

CAD 3,090 · a full finder's fee

A 300-client book this cycle

about CAD 78,000 · decided by who calls first

Canadian figures, CAD; a US loan officer at 100 bps on the USD 373,414 average balance earns about USD 3,734 per loan.

One extra funded deal a month is CAD 37,100 a year. Elllo is $97 a month plus minutes.

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What customers say

Trusted by small businesses and entrepreneurs in Tech, Legal, Co-working, Construction, and more!

Elllo is a great. It handles incoming calls effectively, leaving all callers in awe while helping to deal with spam calls.

Sergii Sopin

Technology entrepreneur

I am super impressed with Elllo. The team is amazing to work with and set up my bilingual Elllo agent. I am thrilled my Spanish-speaking clients can communicate with my voice agent without barriers.

Maria Diaz

Open Doors Legal

Elllo gives us peace of mind. Our phones are always answered, which improves response time, productivity and client experience. For a busy coworking space like The Village Hive, that matters a lot!

Charlotte Kirby

The Village Hive

Compare

Elllo vs. what you have today

Doing it yourself means evenings. An inside sales assistant costs USD 3,000 to 5,000 a month and works a shift. Elllo calls within minutes, every time, for a flat fee plus minutes.

Do it yourself / inside sales assistant

Elllo

Calls a new lead back

How long does a lead wait?

When you are free, or during the assistant's shift

Within minutes, automatically, and again on the schedule you set.

Qualifies and books

Does the lead leave with a meeting on the calendar?

Yes, when someone gets to it

Yes. Your questions, your calendar, the document list texted.

Works a renewal list

Does the renewal call happen before the bank's?

Rarely gets done, or costs a shift

Yes. 20 calls an hour, business hours, redials, the reminder the rules allow.

Answers inbound calls 24/7

Who picks up during the client meeting?

Voicemail

Yes. The agent answers, books, and puts an existing client through to you by name.

Logs to the CRM

Where do the answers go?

Typed in later

HubSpot, the inbox's call details, and webhooks to anything else.

Quotes rates or assesses

Who decides?

You

You. The agent books and collects; it never quotes a rate or assesses a borrower.

Cost

What does it cost a month?

Your evenings, or USD 3,000 to 5,000

USD 97 a month plus per-minute outbound calls from a prepaid wallet. 14 days free, no credit card.

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Questions brokers ask

Is AI outbound calling allowed in Canada?

Calls to your existing clients and to people who asked for a quote within the last six months fall under the existing-business-relationship rules; cold calls to strangers need the National Do Not Call List checks, and calling hours apply to everyone. Every upload in Elllo carries your consent attestation, calls go out inside business hours, and the agent identifies itself. Ask your compliance officer about your own list; the CRTC is consulting on AI-voice rules in 2026.

Will it quote rates or pre-approve someone?

No. It asks your qualifying questions, explains what you need from the client, books the appointment and collects the document list. Rates, assessment and advice stay with the licensed broker.

Where do outbound calls come from?

From your Elllo line's own number, with the agent's name and your brokerage. Leads see one number for inbound and outbound.

What does an outbound call cost?

Calls are billed per minute from a prepaid wallet you top up by card; each call is charged when it ends and listed in your wallet activity. A typical qualification call costs a fraction of what the lead did. Inbound calls are part of the plan and never touch the wallet.

How do I get the leads in?

Add a single call from the inbox, upload a CSV of leads or renewals and auto-schedule them, or push leads straight from your website, CRM, Zapier or Make through the Elllo API on Business plans.

How do I turn outbound on?

Outbound calling is switched on for your account by the Elllo team after a short setup call, on the Small business and Ultimate plans. Inbound answering works from the day you sign up.

What does it cost, and can I cancel?

The Small business plan is USD 97 a month after a free 14-day trial with no credit card; annual billing gets 2 months free. Cancel any time from your Account page.

Set up an Elllo agent for your brokerage. 14 days free, no credit card.

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Explore all product features

The agent's name, voice, languages and greeting

Voice agent

Pick its name, voice and greeting, write what it knows once, and it answers your callers in real time, in their language, from your knowledge base and nothing else. Books, texts, transfers, remembers.

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Inbox

The moment a call ends it is in your inbox: a one-line summary, the transcript, the recording, and chips for Urgent, Appointment and how the caller felt. Search, reminders, notes, your team, your CRM.

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A call to your own number, forwarded to the agent and ending in a booking

Front desk

Keep your number and forward the calls you miss. Elllo answers in your business's name, takes the message, books the appointment and sends you the summary. 24/7, up to ten callers at once.

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Outbound

Tell Elllo who to call and why. Your outbound agent calls them from your own number, in your words, and puts the recording and the summary in your inbox. One call, or a list on a schedule.

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Elllo is an AI front desk for small businesses and entrepreneurs

When you can't answer your phone, calls are forwarded to your own personalized voice agent that can take messages, answer questions about your business, book appointments and more.