Property Fox Homeownership Analysis
The Foundation of Every Mortgage Conversation
Be empowered with a clear understanding of every mortgage that crosses your desk and the tools to make informed decisions. With comprehensive analysis goes beyond simple calculations, you get a dynamic view of your clients’ mortgage journeys and future possibilities.
Every insightful decision starts with a solid plan. Receive seamless connections between your customers' Homeownership plans, and the analysis details that support your recommendations.
A Homeownership Plan is a strategic, visual roadmap that looks at the full amortization timeline and aligns your current mortgage term with future life and financial goals.
The reality is a mortgage isn't just one term — it's a series of terms over the entire amortization period, often 20 to 30 years. Making decisions based only on today’s rate can lead to missed opportunities or misalignment with long-term goals.
The Property Fox intelligence engine automatically creates customer engagement campaigns based on each individual mortgage. Each Homeownership Plan automatically generates an analysis for three critical periods of time to make your job fast and easy.
Analyze:
Term History
Analyze: Term History
Where your Customer Stands Right Now
Term History illustrates how the client’s mortgage has performed to date through the active term. It tracks their performance against their plan so that you know if they should stay the course, or change their plan.
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Current Balance: Outstanding mortgage amount
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Remaining Term: The contractual time remaining in the term
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Effective Amortization: The remaining amortization period adjusted for rate changes, extra payments, or payment accelerations
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Estimated Penalty: The cost to break the mortgage today
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Break Even Rate: The rate you’d need to save enough interest to cover the cost of the penalty through the remaining term.
Analyze: Remaining Term
Projecting the Remainder of the Active Term
Remaining Term projects how the client’s mortgage will perform up to renewal. It allows you to quickly illustrate the impacts of Bank of Canada announcements, forecasted rate changes, changing payment frequency, refinancing or locking in. It’s the fastest way to show your clients the impact of your recommendations.
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Payment Adjustments: The changes to payments and interest costs over the remainder of the term based on actual and forecasted changes
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Savings Calculations: The net projected interest savings if a refinancing option is recommended
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Projected Balances: The projected end of term balance, taking into account additional payments made and planned
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Scenario Comparisons: Allows you to design your own scenarios and compare that to the current mortgage and plan
Analyze: Remaining Term
Analyze:
Next Term
Analyze: Next Term
Planning the Next Mortgage Term
Planning the next mortgage term for the client is the first step in winning the next mortgage term. Next Term automatically populates with the projected end of term balances and rates so that when the client’s renewal letter arrives, you’re all ready to show how it stacks up against your plan.
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Compare Products: Comparison of up to 5 different products so that you can put your recommendation directly into your clients plan
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Change Lender/Type: A single ownership plan can change between types, lenders, and even if you got it funded or if it went to a competitor. It all reflects on the client’s home ownership plan.
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Debt Consolidation: Take client debts into consideration and illustrate the impact on combined payments and interest costs by rolling debts into the mortgage.
Step 1
Upload your data
Getting started is easy. Import your client mortgage data from systems you already use, including Filogix, BOSS, Velocity, Finmo, and Scarlett Mortgage. Or, use our Lead Capture link on your website or in emails to automatically bring in new prospects and send them an instant, personalized mortgage analysis report.
Step 2
Set Your Opportunity Engine
Tell Property Fox what to look for. In your Deal Settings, you'll enter your current fixed and variable quoting rates for both A-Lender and B/C-Lender clients. You also define your thresholds, like the minimum interest savings required to flag a refinancing opportunity or the payment change percentage that matters to you. This ensures the opportunities identified are perfectly aligned with your business goals.
Step 3
Act on Your Insights
Your dashboard becomes your command centre. The Opportunities and Leads chart gives you an instant overview of your entire pipeline. Click on any category - like "Renewal Opportunities" or "A-Lender Refinancing" - to see a list of clients ready for your call. Each deal comes with a pre-built analysis you can review, adjust, and send to your client with a fully branded report and personalised email.