At Property Fox, we believe in empowering you with a clear understanding of every mortgage that crosses your desk and the tools to make informed decisions. Our comprehensive analysis goes beyond simple calculations, providing you with a dynamic view of your clients’ mortgage journeys and future possibilities.

The Foundation of Your Mortgage Understanding

Every insightful decision starts with a solid base. Our analysis provides you with a clear and comprehensive picture of your mortgage, broken down into four key timeframes:

First Timeframe: Your Client's Mortgage Today - A Current Snapshot

 

Understanding Where Your Client Stands Right Now

This section provides a clear summary of your client's mortgage as it stands today. Get a quick and easy overview of key mortgage details:

• Current Balance: Outstanding mortgage amount.

• Interest Rate: Current interest rate.

• Remaining Term: The time left on the current mortgage term.

• Payment Frequency & Amount: Regular payment schedule.

• Estimated Penalty: Cost of breaking term today.

• Next Review Date: When you're scheduled to connect.

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Second Timeframe: Looking Back: Progress of Your Client’s Current Term

 

This section offers a review of your client's mortgage journey from its inception to today. See a clear picture of:

• Total Payments Made: The cumulative amount paid so far.

• Principal vs. Interest Breakdown: Understand how payments have been allocated over time.

• Penalty Breakdown: How the penalties are calculated.

• Break Even: Rate required to overcome penalties within term.

• Comparisons:

  • Against the Plan (if applicable): See how the mortgage progress compares to the personalized plan set with Property Fox. Did your client stay on track? Exceed expectations?

  • Against Market Trends (if no plan): Gain valuable context by comparing the mortgage performance against relevant market indicators during the term.
     

Third Timeframe: Current Term Forecast - Projecting to the Finish Line

 

See What the Future Holds for Your Client's Current Mortgage

This section allows you to look ahead and project the trajectory of your client’s current mortgage term. Understand what to expect and explore different scenarios:

• End of Term Balance: A projection of mortgage balance at the end of current term, based on the current rate and payment schedule.

• Interest Paid Over Remaining Term: An estimate of the total interest they will pay until the end of this term.

• Scenario Modelling: Lock-in, switch, adjust payment frequency.

• Effective Amortization: Illustrate the impact of changes to effective amortization.

• Interactive Rate Forecasting:

  • Apply Rate Forecasts: See how various potential interest rate changes could impact payments and end-of-term balance.

  • Simulate Rate Changes: Explore the "what-if" scenarios by manually inputting potential rate increases or decreases.​​
     

Fourth Timeframe: Plan Their New Term - Securing The Best Mortgage Future for your Clients

 

Strategize for Your Client’s Next Mortgage Chapter

As the current term approaches its end, this section empowers you to proactively plan for your client’s next mortgage. Explore different scenarios and strategies to secure the best possible mortgage for their future:

• Explore Different Terms: See how varying mortgage terms (e.g., 3-year, 5-year fixed) could affect payments and overall interest costs.

• Compare Potential Rates: Analyze different interest rate scenarios and their impact on their affordability.

• Factor in Your Goals: Align your new mortgage plan with your financial goals and future aspirations.

• Refinancing Options: Illustrate the impact of breaking term.

• New Purchase Scenarios: Compare products from different lenders.