Morning Brew
Your daily action email
How It Works
Every weekday morning, you get an email with your action list for the day. No guessing, no digging through spreadsheets. Just a clear list of who needs attention and why.
Clients are sorted by priority - most urgent at the top. Each one has action buttons right in the email. Click them to track what you did, and that client gets handled appropriately.
Action Types (Priority Order)
Time to check if your client got back to you - follow up or move on
This client is close to renewal. Pick up the phone today.
Perfect window to begin the renewal conversation
Client could save real money by refinancing now - hot lead
Good time to touch base and set expectations for their renewal
Quick "thinking of you" touchpoint - stay top of mind
Flag for future planning - no rush, just awareness
Client hasn't been contacted in a while - good time to reconnect
Pro tip: Click "I Sent It" immediately after emailing a client. This prevents them from showing up again for 7 days and triggers a response check in 4-5 days.
Opportunity Engine
Automatic rate monitoring
What It Does
Every night, RateGuard Pro compares each client's current mortgage against today's best available rates. When the numbers work, you see an opportunity.
We calculate estimated savings, penalty costs (using the lender's actual methodology), and break-even timeline. You get the full picture before you call.
Opportunity Grades
Saving $200+/month, pays for itself in under 2 years
Call today - this is a real opportunity
Saving $100-200/month, breaks even in 2-3 years
Worth a conversation - solid numbers
Not quite there yet, but close
Keep an eye on it - one rate drop could change everything
Penalty Calculation Methods
Known Penalty
Client already has a penalty quote from their lender
3 Months Interest
Variable rates, or 5+ years into a fixed term
Standard IRD
Most common fixed-rate penalty calculation
Big Bank IRD
TD, RBC, Scotia use their own formula based on posted rates
Posted Rate Comparison
Some lenders compare today's posted rate to yours
Bond-Based IRD
Equitable Bank ties penalties to bond yields
Flat 3% of Balance
Simple percentage some lenders use
Note: Penalty calculations are estimates based on publicly available lender policies. Always verify with the lender before presenting to clients.
Grade My Mortgage
Your lead generation machine
Your Branded URL
Every broker gets a unique Grade My Mortgage link:
Share this anywhere - social media, email signatures, business cards. When someone enters their mortgage details, they get an instant grade (A+ to F) and you get the lead.
How Grades Work
Calculator Suite
Everything you need for client calls
Access all calculators from your Broker Portal. Use them during calls or share results via email.
Penalty Calculator
Estimate mortgage break penalties for any lender
Budget Builder
Interactive household budget worksheet
Income Qualifier
Calculate qualifying income from various sources
Payment Calculator
Monthly, bi-weekly, accelerated options
Affordability
Max purchase price based on income
Refinance Analysis
Compare current vs new mortgage scenarios
Closing Costs
Estimate all purchase costs
Broker Portal
Your command centre
Portal Features
- ✓
Client Dashboard
See all clients with current rates, renewals, and opportunity flags
- ✓
Opportunity List
Filtered view of HOT/WARM opportunities with full details
- ✓
Discovery Call Tool
Full intake form for new client consultations
- ✓
Calculator Access
All 16+ calculators available in one place
- ✓
Client Profiles
Click any client to see full mortgage details and history
The Buttons Actually Do Something
Click them. They matter.
Why Your Clicks Matter
Those buttons in your Morning Brew aren't decoration. When you click them, you're telling the system what happened - and it adjusts who shows up in future emails accordingly.
"I Sent It" - You emailed or called them
Client disappears for 7 days, then pops back up as a "Did They Reply?" reminder so you can follow up if needed.
When asked "Did they respond?"
- • "Yes, we're talking" - Great! They're off your list for 30 days while you work the deal
- • "No reply yet" - They'll resurface in 3 weeks for another try
- • "Not interested" - Parked until their next renewal window
When you're working a deal
- • "Still cooking" - We'll check in again in 3 weeks
- • "Deal funded!" - Congrats! Marked as complete
- • "Fell through" - Parked for 6 months, then we'll try again
The more you click, the smarter it gets. Your Morning Brew learns your workflow and surfaces the right clients at the right time. Don't leave it hanging.
Client Update Links
Let clients update their own info
How It Works
Each client gets a personalized link they can use to update their mortgage info - new lender, new rate, new payment, whatever changed. The data flows straight into your system.
Find these links in your Broker Portal when you view a client's profile. Copy the link and send it to them via email or text.
When to use this: Client renewed somewhere else? Rate changed? Refinanced? Send them their update link and let them fill in the details. Saves you data entry and keeps your book accurate.
Questions?
This guide covers the basics. For anything else, reach out directly.