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  • I've signed up, but I haven't received a confirmation email. What should I do?
    If you haven't received a confirmation email, please check your spam folder. If you still can't find it, please contact the Property Fox team for assistance.
  • How can we initially input mortgage deals into Property Fox, and is there an extra charge for this?
    You have two options for inputting your deals into Property Fox: Enter them individually as they come in. Use the "Submit Multiple Deals" feature, located by clicking on your name at the top right. This option provides instructions on securely sending us your file for assistance with uploading. To do this, you'll need to create a .CSV or .XLS file with the fields listed and then drop it in the designated area. The Property Fox team will then add your historic deals for you. Currently, there is no charge for this service - it's included!
  • What fields do I need to include in my .CSV or .XLS file to upload all of my deals at once?
    The required fields for uploading all of your deals at once are: Mortgage Balance, Interest Adjustment Date, Rate, Loan Type, Term, Amortization, Payment Frequency, Lender and File Reference Number. This is subject to change as the product evolves.
  • What file format should be used to send my data in bulk?
    You will need to create a .CSV or .XLS file with the fields listed and then drop it in the designated file upload area. The Property Fox team will securely receive it, and then add them to your deals list for you.
  • Can my data come from any CRM? If not, specify which CRMs.
    Property Fox can accept any .CSV or .XLS file you provide it, so it doesn’t matter what CRM you are using. Since most CRM’s are polluted with incomplete data, it’s best to download the file of your data and then securely transmit it to us. Our team will take care of any clean up and will load the quality data into the system for monitoring. After that, you can add individual deals in anytime you’d like.
  • How can we begin the signup process?
    To get started, simply visit our website at and click on "Get Started" in the menu. Alternatively, you can register directly on the app by visiting
  • How do I get started with Property Fox?
    Step #1: click the "Get Started" button in the menu and fill in your details. Step #2: When you first log in, you’ll need to decide if you want to upload your historic mortgage portfolio data in bulk, or start fresh by entering new deals as they come in. TIP: Maximize value by uploading your existing data so we can start monitoring immediately and uncover those buried opportunities! You'll only need to do this once. ​ Step #3: take a few minutes each time you get a new mortgage deal to enter the details and hit save. You'll never have to re-enter data and you can come back and run scenarios anytime your clients call.
  • How do I sign up for Property Fox updates so I don't miss anything?
    Simply visit the Property Fox website footer and enter your email address to the sign up box, select the checkboxes with your agreement, and hit Submit . You can unsubscribe at any time.
  • How long will it take to get my data bulk uploaded to Property Fox?
    Once we receive and verify your file, we can usually have your data up in one or two business days. That time might change depending on the volume of new accounts we are opening at that time. Each case is unique.
  • What information do I need to provide to create an account?
    When you sign up, you'll be prompted to enter your first and last name, contact number, and an optional company name. You'll also need to provide credit card details to complete the registration process.
  • How do I login to Property Fox if I already have an account?
    Simply select Login in the menu of the Property Fox website. Enter your email and password and select the Login link and voila, you are in!
  • Can I change my credit card details once I've added them?
    Yes, you can change your credit card details at any time by logging into your account and going to your account settings.
  • What happens if I want to cancel my subscription?
    You can cancel your subscription to Property Fox at any time. Simply contact us here.
  • Is training available?
    Property Fox is simple to use, so no training should be required. But if something happens that you have a question, just use contact us and we’ll get back to you quickly with assistance.
  • Is Property Fox compliant with regulations in the industry?
    Property Fox follows Canadian Privacy laws and guidelines, in addition to some of the industries most trusted security standards.
  • How often is Property Fox updated?
    The platform is regularly updated to reflect changes in the market.
  • How frequently will new features be added to Property Fox?
    Property Fox is constantly evolving and improving. In fact, we are known as the fastest innovating platform for Mortgage Brokers looking to find more deals, save time and increase profitability. We are releasing updates every couple of weeks.
  • What happens to our data if we decide to leave Property Fox?
    Your data is yours, and we respect your privacy. If you cancel your account, we will retain your data for up to 90 days, giving you a window in case you change your mind. After that, it will be permanently deleted. Your information remains under your control.
  • Is there a Property Fox app?
    No, Property Fox is designed to be used securely in a browser on any device. Although you can use it on your phone, we recommend a desktop or tablet for the best experience - who wants to type in mortgage information with just their thumbs anyway!
  • Is Property Fox scalable? Ie, can I start with 200 deals, and grow to 6000 over time for example?
    Of course! Property Fox is built to grow with your business. No matter how large or small your organization, we can handle it.
  • Do I receive email notifications for potential deals?
    Absolutely, you'll currently receive daily email notifications containing leads identified by the system. We're also working on allowing you to customize the frequency of these notifications.
  • Where can I find more detailed information about the savings displayed in the grids on the dashboard?
    You can access a comprehensive analysis of the selected mortgage on the Analyze screen. Simply click "Select" for the mortgage you're interested in and then choose "Analyze" to dive deeper into the details.
  • Is it possible to download the data displayed on the Analyze and Compare pages?
    Yes! You can easily download either of these pages as a PDF. This allows you to share them with your clients or incorporate them into your marketing materials.
  • How can we apply a discount to the posted rates?
    You can apply a discount to the rates by following these steps: Go to the "Options" screen. On the left side, you'll find the Adjuster panel. Locate the "Rate Adjustment" section. If it's a discount, enter the adjustment amount as a negative number. If it's a premium, use a positive number. Click the "Update" button at the bottom of the Adjuster panel. After completing these steps, all the rates in the grid on the right will be adjusted by the amount you entered.
  • Where can I find information about penalty calculations?
    You can access penalty breakdowns for the current mortgage on both the "Analyze" screen and the "Compare" screen.
  • Do we need to re-enter the debt and income information for each mortgage, or is it stored?
    Rest assured, we store the information you've entered, saving you from the hassle of re-entering it every time. Unlike other platforms, we value your time and strive to make your experience more efficient.
  • Can we input and display the client's name?
    Absolutely! The client's name will be visible on the dashboard grids and various headers within the system. If you don't see it yet, don't worry – it's coming soon!
  • Are the rates Property Fox uses, the bank's posted rates or refinance rates?
    These rates are the bank's posted rates. If you have a different refinance rate in mind, you have two options: Utilize the Rate Adjustment feature. Modify your Comparison Rate in "My Profile", accessible by clicking on your name in the top right corner.
  • How do I access technical support?
    Technical Support is available by emailing us at or contact us here. We will get back to you within one business day.
  • How does Property Fox calculate trigger rates?
    Trigger rates are specific to variable rate mortgages with static payments. It is the point at which the interest rate on your variable rate mortgage has increased so much that your payments are not enough to cover the interest that accrues between payments and is no longer paying down any of the principal. This rate is calculated by multiplying the payment amount by the number of payments per year and dividing by the current balance, times 100 for the rate. Trigger Rate = [(Payment amount x Payments per year) / Current mortgage balance] x 100 ​ This calculation is imperative to understand if the existing mortgage has become completely unsustainable. Mortgages at or beyond their trigger rate are no longer paying any of the principal balance within the current term, and are not progressing in owning more of their property through their payments. Mortgage brokers should be working aggressively on behalf of clients that have met or exceeded their trigger rates to find them a refinancing opportunity that they can qualify for in order to stop their clients from making payments towards nothing.
  • Your calculations are impressively fast. What kind of server infrastructure powers Property Fox?
    We are hosted at some of the world's most secure and powerful enterprise-grade facilities. Our platform not only excels in efficiency but also benefits from substantial server horsepower to ensure speedy calculations.
  • Does Property Fox calculate the specific IRD penalties for each lender?
    Yes, the IRD penalties are calculated to the end of the term from the current date for the current lender. These are displayed on both the Analyze and Compare pages.
  • How does Property Fox calculate penalty payments?
    Penalties for fixed rate mortgages are calculated in two parts. First, we determine the IRD (Interest Rate Differential) penalty. This is done by comparing the posted rate at IAD and the current posted rate for the term closest to the remaining term length. The difference is divided by the number of payments per year to get the IRD Factor. ​ Next, the current balance on the mortgage is multiplied by the IRD Factor and the number of payments remaining in the current term to give the IRD Penalty (the maximum value of zero or IRD penalty is selected). ​ Three Month Interest Penalty is calculated simply by multiplying the current balance by the annual posted rate and dividing by four. The higher of these two numbers is selected as the penalty to be applied to the mortgage. For variable and adjustable rate mortgages, only Three Month Interest Penalty is considered.
  • Why is my go-to mortgage calculator or app giving me different numbers than Property Fox is showing?
    The discrepancies in numbers between your go-to mortgage calculator or app and Property Fox's mortgage calculator can be attributed to Property Fox's commitment to unparalleled accuracy. Unlike other calculators, Property Fox's advanced calculator accepts decimal points when entering data from mortgage statements and uses actual historic rates when performing historical calculations. This precision, especially for variable and adjustable rate mortgages, ensures more precise calculations and a true representation of your client's mortgage progress. Trust Property Fox for accurate and reliable mortgage calculations that empower you to make informed financial decisions. ​
  • Why has the price of Property Fox dropped so much and yet so many new features have been added?
    When we expanded the functionality of Broker Scout to become Property Fox we recognized that the new platform would have massive utility beyond Mortgage Brokers. In fact the early feedback from Financial Planners, Investment Advisors and Real Estate agents has been really good. We wanted to price our offering to be compelling to them, so that’s exactly what we did. We don’t believe it would be fair or right to charge mortgage brokers more than others just because they get paid to write mortgages, so made all of the pricing consistent. So, it's a big win for mortgage brokers and other professionals alike!
  • Is there a fixed contract for using Property Fox?
    Individual accounts have no fixed contract and you can cancel your subscription at any time. Enterprise accounts renew annually.
  • Is the payment on a monthly basis?
    For individual plans, yes, it's billed monthly, and you can cancel anytime. However, enterprise plans require an annual subscription.
  • Does Property Fox work with large teams or just individuals?
    Property Fox offers competitive pricing plans and is suitable for both solo brokers and large teams.
  • How much does Property Fox cost?
    Pricing information can be found here on our website.
  • What services does Property Fox offer?
    Property Fox offers a range of software solutions designed to help mortgage brokers and financial advisors streamline their operations and find opportunities for their clients to maximize their home equity and minimize interest costs.
  • Who created Property Fox?
    Property Fox was created by a team of Canadian mortgage brokers, finance officers, banking analysts, and fintech leaders who saw the challenges and inefficiencies in the industry. They designed the platform to help mortgage brokers save time, increase efficiency, and succeed in any market by analyzing potential refinance deals and identifying the best options for clients.
  • How does Property Fox prioritize customer satisfaction?
    Property Fox is committed to delivering cost-effective, reliable products and services, timely updates and all with a focus on customer satisfaction. If you aren't happy or have suggestions, please contact us to let us know how we can do better!
  • How large does the company need to become to ensure its sustainability? We wouldn't want to lose this.
    Rest assured, our team consists of seasoned tech startup leaders with a track record of success. We're committed to the long-term journey, so you can count on us!
  • How does Property Fox support the growth and development of its employees?
    Property Fox nurtures a balanced environment for the mental and physical wellbeing of its employees, and is committed to enabling its employees to reach their full potential through support, education, and opportunity.
  • How does Property Fox work?
    Property Fox is a platform designed to help mortgage brokers manage their entire book of clients. It searches for clients who may benefit from refinancing their mortgage, including those about to receive a renewal notice and those who may be able to save money with the broker's assistance. The broker inputs a small amount of information per mortgage, and Property Fox alerts the broker to potential refinancing opportunities and helps them find clients who are most impacted by changes in interest rates. It also calculates a client's current balance and penalty to help the broker explain the opportunity to the client.
  • What is Property Fox?
    Property Fox is a mortgage software that empowers advisors to seamlessly transition their clients between mortgage products. It provides access to a wealth of tools for assisting clients in their mortgage decisions and staying ahead in the competitive mortgage market. Property Fox also addresses common challenges in the mortgage industry, such as changing rates and costs, complex terms, and re-qualification worries. It offers real-time mortgage comparisons, rate change forecasting, and proactive renewal monitoring. The software aims to help brokers close more deals and provide value to their clients.
  • How does Property Fox help me find opportunities for refinancing?
    Property Fox continuously searches for opportunities for refinancing by comparing a client's mortgage balance against both bank rates and comparison rates set by the broker. It also alerts the broker to opportunities for refinancing and helps identify clients who may be impacted by rate changes.
  • How does Property Fox help me explain refinancing opportunities to my clients?
    Property Fox calculates a client's current balance and penalty, making it easier for the broker to explain the potential benefits of refinancing to the client.
  • Why are refinancing deals important for mortgage brokers?
    Refinancing deals are important for mortgage brokers because they provide opportunities for consistent revenue and growth, regardless of housing market conditions. In addition, happy clients are more likely to refer new business, which can also contribute to consistent revenue.
  • How can I generate consistent revenue as a mortgage broker?
    One way to generate consistent revenue as a mortgage broker is by identifying potential refinance deals and outlining the best options for your clients. By doing so, you can make more money and generate more referrals for new clients. Property Fox can help you grow your business.
  • Why is Property Fox useful for mortgage brokers?
    Property Fox helps mortgage brokers save time and increase efficiency by searching for and identifying potential refinancing opportunities for their clients. It also helps brokers stay competitive and provide value to their clients by alerting them to changes in interest rates and identifying the best options for each client's unique situation.
  • How can Property Fox help my mortgage business?
    Property Fox can help your mortgage business by identifying potential refinance deals and outlining the best options for your clients. It can also help you win refinancing deals, leading to consistent revenue and growth for your business. Happy clients are also more likely to refer new business, so using Property Fox can help you gain new clients as well.
  • Is Property Fox only for Canadian mortgage brokers?
    Yes, Property Fox is specifically designed for Canadian mortgage brokers to help them manage their entire book of clients and identify potential refinancing opportunities. It takes into account Canadian interest rates and the specific needs of Canadian mortgage brokers.
  • How can I ensure that my clients are happy and more likely to refer new business?
    To ensure that your clients are happy and more likely to refer new business, it is important to provide excellent customer service, provide lucrative opportunities for them, and be responsive to their needs. By doing so, you can build trust and strengthen your relationships with your clients, making them more likely to refer new business.
  • What tools are available to help mortgage brokers find refinancing opportunities?
    Property Fox is a tool available to Canadian mortgage brokers to help you identify potential refinancing opportunities. This tool can help you win more refinancing deals and make more money.
  • Is it possible to just to see the rate lookup table without starting from a mortgage?
    I'm sorry, but currently, that feature is not available.
  • Is there a way to mark deals as completed or remove them from the list after they're done?
    Not currently, but we are working on adding that functionality in the near future.
  • Is it possible to input numbers manually instead of using the slider functionality?
    We're currently working on enhancing the user experience by replacing the sliders with direct entry widgets. Keep an eye out for this update; it will be available soon!
  • Can I see how the analysis will change if rates fluctuate?
    While this feature is not available in the current release, it will be coming very soon. To use this function when it’s released, follow these steps: Go to the "Analyze" screen. Click on the Rate Forecast graph located at the top right. Enter your rate predictions. Change the drop-down at the top from "TO DATE" to "TO END OF TERM." Property Fox will then adjust the analysis to incorporate your rate forecast. Please remember to communicate to your client that this is your prediction, and actual rates may differ.
  • This is already impressive, and it's evident that you've put a lot of thought into what users need. What can we expect in the future for this product?
    Property Fox is dedicated to rapid innovation, and we invite you to sign up to discover all the exciting developments on our horizon!

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