Good morning, there

⚡

Checking your book

→

📣

Updates

→

🔥

in hot deals (NEW)

→

📅

0 renewals

in next 120 days

→

☕

The Pour Over

Loading brew history...

Brew Score

📊 Pick Your Rate:

Rate Explorer

Drag to see what happens when rates change

--%

📋

Loading opportunities...

Please wait while we fetch your data.

👋

Rate Insurance Check-In

No opportunities yet – just staying in touch

"Hey [Name], just wanted to let you know your mortgage is actively being monitored by our rate insurance program..."

📋 Click to Copy

🔥

Hot Opportunity – First Contact

Big savings found – time to reach out

"Hey [Name], great news! I've been monitoring your mortgage and found a significant opportunity to save you money..."

📋 Click to Copy

📞

Follow-Up – No Response

They haven't replied – gentle nudge

"Hey [Name], just following up on my last message about your mortgage. I know life gets busy..."

📋 Click to Copy

📅

Renewal Reminder – 6 Months

Renewal coming up – start the conversation

"Hey [Name], your mortgage renewal is coming up in about 6 months. This is actually the perfect time to start planning..."

📋 Click to Copy

🎉

Post-Funding Thank You

Deal closed – build the relationship

"Hey [Name], congratulations on your new mortgage! I'm thrilled we could save you [amount] per month..."

📋 Click to Copy

🤝

Referral Ask

Happy client – ask for referrals

"Hey [Name], I'm so glad we could help you save on your mortgage! If you know anyone else who might benefit..."

📋 Click to Copy

💸

The Cashflow Play

When monthly savings are the star

Use when: Client has tight monthly budget, payment drop is significant ($150+/mo)

Lead with: "I can drop your payment by $X per month starting next month"

Handle objection: If they say "but what about the penalty?" – show them break-even in months

📈

Long-Term Wealth Builder

When interest savings are massive

Use when: Net benefit is $5K+, client thinks long-term

Lead with: "You'll save $X over this term – that's money in your pocket, not the bank's"

Handle objection: If they say "my payment goes up" – show total interest saved over term

⏰

The Urgency Close

When renewal is imminent

Use when: 0-4 months to renewal

Lead with: "Your renewal is in X weeks – let's make sure you don't just sign whatever they send you"

Handle objection: If they say "I'll just renew with my bank" – show the rate difference cost over 5 years

🏠

The Amortization Crush

When they can pay off years early

Use when: Years saved is 2+, client values being mortgage-free

Lead with: "Keep your same payment and be mortgage-free X years sooner"

Handle objection: If they say "I'd rather have lower payments" – offer both options

-AUM

-avg deal

-portfolio rate

--prime

Fixed Rate

- clients • -

Variable Rate

- clients • -

Fixed/Variable

-/-

-% fixed • -% variable

Top Lender

- clients (-)

Avg Balance

per client

Renewals

next 120 days

Volume Performance

YTD Volume

Deals Closed

Avg Deal Size

Commission YTD

(estimated)

By Lender

➕

Add a Mortgage

Manually add a client's mortgage to track

→

Your Clients

-% verified • Goal: 95%

0 verified • 0 to go

	Client	Lender	Balance	Rate	Maturity	Email	Status	Action

Need help?

Email jeff@rateguardpro.ca

Profile

Your personal and brokerage information. This appears on emails, PDFs, and client-facing pages.

Personal Info

👤

Display Name

Contact jeff@rateguardpro.ca to change

Brokerage

No logo

Brokerage Name

Brokerage Licence #

Personal Licence #

Phone

Provinces Licensed

Ontario British Columbia Alberta Saskatchewan Manitoba Quebec Nova Scotia New Brunswick Newfoundland PEI

Select all provinces where you hold a mortgage broker licence.

What this powers

Morning Brew header + signoff - Your name, brokerage, and phone show in every Brew you send

Client PDFs (compliance) - Brokerage + personal licences are required on every PDF you generate

Profile photo + logo - Both appear on PDFs, share pages, and your Grade My Mortgage profile

Grade My Mortgage page - grademymortgage.ca/{slug} shows your name, photo, brokerage and provinces

Drip + onboarding emails - Branded with your name when sent to a new lead or trial broker

My Links

These appear in Morning Brew emails, client PDFs, share pages, and your Grade My Mortgage profile.

Grade My Mortgage URL

grademymortgage.ca/

To change your URL, email jeff@rateguardpro.ca

Booking & Review Links

Calendar Booking Link

Calendly, Cal.com, or any booking link. Shown in Morning Brew and client PDFs.

Review Link

Google Reviews, Trustpilot, RateMyAgent. Included in post-funding follow-ups.

GMM Referral Scripts

Share Grade My Mortgage with referral partners. Each script includes your personal link.

View Scripts for Partners

What this powers

Morning Brew "Book a Call" button - Checking...

Post-funding review request - Checking...

GMM profile page - Your Grade My Mortgage landing page with booking CTA

Morning Brew

Your daily email that surfaces the most actionable opportunities in your book.

Email Frequency

Coming Soon

Delivery Time

All times are Eastern (Toronto). Custom delivery times coming soon.

Coming Soon

What to Include

Choose what shows up in your Morning Brew. All are included by default.

Renewals

Upcoming maturities with switch opportunities

Hot Money

Clients where breaking today saves more than waiting

Anniversaries

Clients hitting their annual prepayment reset

Pour Over

Lower-priority items that still deserve attention

GMM Leads

New leads from Grade My Mortgage

What this powers

Daily/weekly email - Personalized to your book every morning

Action tracking - Each Brew action links back to your portal for one-click follow-up

Smart exclusions - Clients you already contacted are automatically suppressed

Team

Give your team access to view your book, send emails, and generate PDFs under your brand.

Loading team...

How It Works

🔑

Own login

Separate email and password

📋

Your full book

Same clients and opportunities

📄

Their name

On PDFs and emails they send

☕

Morning Brew

They get a copy every morning

📊

Action tracking

See who contacted which client

🔒

You control

Settings, billing, and access

Team members see your full book, get Morning Brew, and send PDFs/emails with their name.

Data & CRM

Upload your book, connect your CRM, or both. We auto-detect formats from every major broker platform.

Import Your Book

Upload CSV Connect Finmo Connect Velocity

Not sure what data we need?

Download our template with all required fields, examples, and formatting tips.

Download Template

CRM Connections

FinmoNot Connected

Automatic deal sync from Finmo CRM.

Connect

VelocityNot Connected

Automatic deal sync from Velocity CRM.

Connect

Different CRM?

CSV upload works with every major broker platform. Got a different CRM or need an API integration? Email jeff@rateguardpro.ca and we'll wire it up.

What this powers

Automatic book sync - New deals flow in daily without manual uploads

Nightly opportunity rebuild - Penalties, savings, and priorities recalculated every night

Morning Brew relevance - Your briefing is only as good as your data

Billing

Your subscription and payment method.

Current Plan

Founder's Club

$—/month

Member Since

—

Founder's pricing locked in forever

✓ Changes saved

📊

Book Health

Monitor and maintain your client data

Book Health Score

Analyzing your book...

📚

Total Clients

In your book

✅

Verified

Data confirmed

⏳

Awaiting

Link sent, pending

📅

Renewals Soon

Within 6 months

📭

Need Outreach

Never contacted

🎯

Priority

Renewal + no outreach

0 clients

📊

Loading your book...

Showing 0-0 of 0

Command Center

Your mortgage book at a glance

                
              
Next BoC
-- days
Loading...

Prime Rate

--%

5yr GoC Bond

--%

120-Day Renewals

$0 commission potential

Sweet Spot

4-8mo out, never contacted

VRM Opportunities

Better rate available

HOT Opportunities

Ready for action

VRM Simulator

What if VRM discount improves?

Current best: Prime - 0.00%

+0.00%

Current +0.50% +1.00%

If discount improves to: Prime - 0.00%

                Clients flip to HOT:
                0
              

Balance affected: $0

Monthly savings: $0/mo

Net benefit: $0

Fixed Rate Simulator

What if 5yr fixed drops?

Current best: 0.00%

-0.00%

Current -0.75% -1.50%

If rate drops to: 0.00%

                Clients flip to HOT:
                0
              

Balance affected: $0

Monthly savings: $0/mo

Net benefit: $0

2026 Performance

Monthly Funded Volume

2026

2025

Total Volume

Best Month

Monthly Avg

Deals Closed

vs -- last year

Avg Deal Size

vs -- last year

Commission YTD

vs -- last year

Pipeline

Active

Potential commission

Book Snapshot

Health Score

Total Clients

AUM

Avg Rate

Top Lender

Fix/Var

Avg Balance

Sweet Spot

Perfect timing

Client	Lender	Balance	Rate	Maturity	Status	Actions
Loading clients...

📱

Share Center

Instagram-ready content with your real data

🎯 RECOMMENDED Cards Built For You

📱 ALL CARDS Your Content Library

Loading your content...

🎯 Your Lead Gen Tool

grademymortgage.ca/loading...

Share everywhere — social, email, business cards. Leads flow in automatically.

👁️ Preview

Scan to try

🎯

Total Leads

📬

Active

🏆

Won

👀

Page Views

⚡

Avg Response

🎯

No leads yet

Share your GMM link to start capturing leads. They'll appear here in real-time.

Quick Start

Everything you need to start closing deals from your book today.

The core idea

RateGuard Pro analyzes every mortgage in your book against today's best available rates. When a client can save money by switching - even after paying the penalty - they show up as an opportunity. Your job is to have the conversation. One call can turn a dormant client into a funded deal.

How Priority Works

Every client in your book gets scored based on three factors: how much they can save, how quickly the penalty pays for itself, and how close they are to renewal. That score becomes a priority level.

HOT Real savings available now. Penalty breaks even in months, not years. This client is ready for a conversation today.

WARM There is an opportunity, but the timing or savings aren't perfect yet. Stay in touch - a small rate drop could flip this to HOT.

WATCH No immediate action needed. Could be renewing soon or rates need to shift. Check in when renewal is 120 days out.

Your first 5 minutes

Go to your DashboardYour opportunities are sorted by priority. The top card is your best bet - the client with the most savings potential right now. Click any card to expand it and see the full analysis.

Read the numbersEach card shows: current rate vs. best available, estimated penalty, monthly savings after penalty amortization, and how many months until they break even. These numbers are the conversation starters.

Pick up the phoneUse the Outreach Scripts tab for ready-made messages you can customize. Or generate a PDF from the card and email it over - a branded breakdown does the talking for you.

Log the actionAfter you call, email, or text, log it on the card. This moves the client to "Working" in your pipeline, and Morning Brew will skip them tomorrow so you focus on fresh leads.

Tips from top-performing brokers

Start with renewals. Clients renewing in 3-6 months are the warmest leads. They are already thinking about their mortgage. You are not cold-calling - you are being proactive.

Lead with savings, not rates. Clients do not care about basis points. They care about "you could save $380/month." Use the dollar amount from the card.

Send the PDF before the call. When clients see a branded breakdown with their own numbers, the call goes from "who is this?" to "tell me more." Generate it from any card in one click.

Check your Morning Brew every day. It is a curated email with your top opportunities. Each action card links back to the portal. 5 minutes a day keeps your pipeline moving.

Your weekly routine

A simple weekly cadence that keeps your pipeline fresh without burning you out.

Daily

Check your Morning Brew (5 min). Act on the top 2-3 cards. Log your actions.

Mon

Review your Dashboard. Filter by "Renewals" and reach out to anyone renewing in the next 90 days who you haven't contacted yet.

Wed

Follow up on anyone you contacted Monday who hasn't replied. Use the follow-up script from Outreach Scripts.

Fri

Post your GMM link or a calculator on social media. Check your GMM Leads tab for new leads. Send a PDF to your top HOT opportunity who hasn't responded yet.

Monthly

Review My Book for data quality. Fix any orange pills on high-balance clients. Check Settings to make sure your profile and branding are current.

Outreach Scripts

Ready-to-send messages for every situation

Portal Guide

How every tab and feature works

Outreach Scripts

Ready-to-use scripts for every situation. Edit the bracketed parts to match your client, then copy and send.

💡

Pro tip: You can find the exact savings, penalty, and break-even numbers on any client's opportunity card. Open the card, grab the numbers, and paste them into these scripts. Specific numbers convert way better than vague language.

HOT Opportunity - Refinance Pitch

Best for: clients where break-even is under 12 months and monthly savings are significant

Hey [Client Name], Hope you're doing well! I was reviewing your mortgage and noticed something worth a quick chat. Based on where rates are right now, it looks like you could save around $[savings]/month by refinancing. Your penalty would be roughly $[penalty], and you'd break even in about [months] months - then pocket the savings from there. Over the rest of your term, that adds up to $[total savings]. No pressure at all, but if you're curious, I can run through the full numbers in a quick 10-minute call. Would [day] work?

Subject line idea: Quick update on your mortgage at [Lender]

Renewal - Early Rate Lock

Best for: clients renewing in 3-6 months. Most lenders let you lock 120 days early.

Hey [Client Name], Quick heads up - your renewal at [Lender] is coming up in [months] months. Now is actually a great time to start shopping it because most lenders will let us lock in a rate up to 120 days before your maturity date. I already ran some numbers and there are options that could save you [savings amount or "a good chunk"] compared to what you're paying now. Even if you end up staying with [Lender], having a competing offer gives you negotiating power. Want me to send you a quick breakdown? Takes me 2 minutes to pull together.

Subject line idea: Your mortgage renewal is coming up - quick heads up

General Check-In

Best for: warm leads or clients you haven't spoken to in a while. Keep it light.

Hey [Client Name], Just touching base! Rates have moved a bit since we last connected, so I ran a fresh analysis on your mortgage. [If opportunity exists: Looks like there might be something worth looking at - want me to send over the numbers?] [If no opportunity: Everything looks solid right now. I'll keep watching things and reach out if anything changes that could save you money.] Either way, just wanted you to know I'm keeping an eye on things for you. Hope all is well!

Subject line idea: Quick mortgage check-in

Follow-Up (No Reply)

Best for: 5-7 days after first outreach with no response. Keep it short and low-pressure.

Hey [Client Name], Just bumping this up in case it got buried. I know things get busy! The numbers I mentioned are still looking solid. Happy to walk you through everything whenever works for you, even just 5 minutes. Otherwise, no worries at all - I'll keep monitoring your mortgage and reach out if anything changes.

Subject line idea: Re: Quick update on your mortgage

Variable Rate Client - Rate Drop Alert

Best for: VRM clients after a Bank of Canada rate cut or when fixed rates drop below their effective variable rate.

Hey [Client Name], Good news - with the recent rate changes, I wanted to flag something for you. You're currently on a variable rate at [effective rate]%, and right now we can lock you into a fixed rate at [best fixed rate]% for [term] years. That would give you payment certainty and potentially save you money if rates go back up. Or if you want to stay variable, we could look at getting you a better discount off prime. Worth a 10-minute call to see what makes sense? No pressure either way.

Subject line idea: Rate update - worth a quick look

Understanding Cards

Every number on an opportunity card means something. Here is how to read them and what to say to clients.

Anatomy of an Opportunity Card

🎯

Priority Badge (HOT / WARM / WATCH)The overall score combining savings potential, penalty break-even, and renewal timing. HOT means "call this week." WARM means "keep in your pipeline." WATCH means "check back later." The badge updates automatically when rates change.

💰

Monthly SavingsThe difference in monthly payment between their current mortgage and the best available rate - with the penalty cost spread over the new term. This is the number clients care about most. Lead with this in every conversation: "You could be paying $X less per month."

📊

Current Rate vs. Best AvailableShows the gap between what they are paying and what they could be paying today. The "Best Available" rate is pulled from live lender rate sheets updated regularly. For variable rate clients, this compares their effective rate (prime minus discount) against the best fixed option.

⏱️

Break-Even (months)How many months of savings it takes to recover the penalty cost. Under 12 months is a strong pitch. Under 24 is still worth the conversation. Over 24 is usually a "wait for renewal" situation - unless rates are falling and you want to lock in.

📄

Generate PDFOne-click branded PDF with the full analysis: current mortgage details, penalty breakdown, savings projection, and your contact info. Three types: Refinance Analysis, Economics Report (big-picture view), and Renewal Package. Gets emailed to you and optionally to the client. Takes about 3 seconds.

✏️

Edit Details / OverridesClick "Edit Details" on any card to correct data. If a client's balance, rate, or property value is wrong (from CRM import), fix it here. Your override takes priority over imported data and the card recalculates automatically.

How the math works (simplified)

Penalty calculation: RateGuard uses the exact method for each lender (IRD for big banks, 3-month interest for variable rates, lender-specific rules for monolines). It checks 160+ lender rules automatically.

Net benefit: Total savings over remaining term minus the penalty cost. A positive net benefit means the client comes out ahead even after paying to break their mortgage.

Monthly savings: New payment at best available rate vs. current payment, with the penalty amortized into the new mortgage amount. This is the real-world "what changes in your pocket each month" number.

Tools

Built-in tools that help you close deals faster. Every tool generates shareable content with your branding.

🎚️

Penalty CalculatorTest any rate against a client's mortgage in real time. Shows the full penalty breakdown by lender method, break-even timeline, and monthly savings. Use this during client calls to answer "what would it cost to break?" on the spot. Accessible from any opportunity card or from the nav bar.

📄

PDF GeneratorThree report types, all branded with your name, logo, and licence: Refinance Analysis (penalty + savings + break-even), Economics Report (big-picture view with net position), and Renewal Package (comparison of renewal options). Generated in about 3 seconds and emailed directly. Clients can also receive a copy.

📊

Calculator Suite8 calculators you can share with clients: Should I Switch, Affordability, Rent vs Buy, Max Cashflow, All-in-One (AIO), Smith Manoeuvre, Retirement Planner, and Budget Builder. Each generates a shareable link or QR code with your branding. Use them on social media, embed on your website, or text directly to clients.

🔗

Grade My MortgageA client-facing tool at grademymortgage.ca/[your-slug]. Clients enter their mortgage details and get a grade (A through F) in under 60 seconds. Every submission becomes a lead in your GMM Leads tab. Share the link on social media, your website, email signatures, or text it during conversations. Zero effort lead gen.

Where to find each tool

Penalty CalculatorNav bar or any opportunity card

PDF GeneratorExpand any opportunity card

Calculator SuiteBudgets tab in the nav bar

Grade My MortgageGMM Leads tab in the nav bar

Edit Details / OverridesExpand any card, click Edit Details

Pipeline

Track every client from first contact to funded deal. Actions you log on cards drive the entire flow.

How clients move through your pipeline

NEW

Not contacted yet

WORKING

In conversation

FUNDED

Deal closed

It is automatic. When you log a call, email, or text on a card, the client moves from NEW to WORKING. Mark a deal as FUNDED when it closes. Your Morning Brew automatically skips clients you have already contacted, so every day you see fresh opportunities first.

Actions you can log

Open any opportunity card and click the action buttons at the bottom. Every action is timestamped and tied to your login (or your team member's).

📞

Called

Logs the call, moves to Working

📧

Emailed

Logs the email, moves to Working

💬

Texted

Logs the text, moves to Working

📝

Note

Internal note, visible to your team

📄

PDF Sent

Auto-logged when you generate a PDF

✅

Funded

Marks the deal as closed

Filtering your dashboard

Use the filter bar above your cards to focus on what matters. Hot / Warm / Watch filters by priority. Renewals shows clients renewing in the next 120 days. Monitoring shows clients being watched but not ready for action. Search by name, lender, or rate. Sort: Smart (default) puts your best opportunities at the top.

Portal Guide

Tap any section to expand it. Everything you need to know about each part of the portal.

📊

Dashboard

Your home base - opportunity cards, filters, pipeline tabs

Filter bar

Filter by Hot/Warm/Watch, Renewals (120 days out), or Monitoring. Search by name, lender, or rate.

Pipeline tabs

New = never contacted. Working = at least one action logged. Funded = deal closed. Filed = parked.

Rate Explorer

Drag the slider to see how many opportunities appear at different rate levels. Plan ahead for rate moves.

Expanding a card

Click any card for: full details, penalty breakdown, savings, action buttons (Call/Email/Text/Note), Edit Details, and Generate PDF.

📚

My Book

Full client list, data quality, search and sort

Every mortgage in your book, not just opportunities. Use this to look up clients, check data quality, or review details.

Data health pills

Orange pills = estimated or missing data. Fix via Edit Details. Better data = better opportunity analysis.

Search and sort

Search by name, lender, or rate. Sort by balance, rate, maturity, or data confidence.

🧮

Budgets & Calculators

8 branded calculators you can share with clients

Should I Switch

Break vs. stay

Affordability

How much can they borrow

Rent vs Buy

Visual comparison

Max Cashflow

Lowest payment

AIO

Readvanceable mortgage

Smith Manoeuvre

Tax-deductible strategy

Retirement Planner

Mortgage-free date

Budget Builder

Household budget

How to share

Open a calc, run the numbers, click Publish. Get a branded link, QR code, or mailto. Clients see your name and photo.

Best plays

On a call: Open "Should I Switch" live, share the link. Social media: Post your Affordability link. Email sig: Add your GMM or calc link. After meetings: Send Budget Builder.

🎓

GMM Leads

Lead gen via Grade My Mortgage - grades, follow-up, sharing

Your personal lead gen tool at grademymortgage.ca/[your-slug]. Visitors grade their mortgage, enter their email, and land in this tab.

Grades explained

A-B: Competitive, build the relationship. C: Might be an opportunity, worth a call. D-F: Overpaying, hot lead, reach out now.

Best ways to share your link

Social: "Grade your mortgage in 60 seconds" + link. Email sig: Add one line. Website: Link from your homepage. Referral partners: Give to realtors, accountants - leads flow to you.

⚙️

Settings

Profile, branding, Morning Brew, team, CRM connections

Profile

Name, photo, brokerage, licences, phone. Appears on every PDF, email, and shared calculator.

My Links

Calendar booking link (shows on PDFs/emails) and your personal GMM slug.

Morning Brew

Frequency (daily/weekly), delivery time, and tone (Professional, Friendly, Urgent, Educational).

Team

Add members with their own login. They see your book, send under their name, get their own Brew.

Data & CRM

Upload CSV (auto-detects format) or connect Finmo/Velocity for automatic daily sync.

☕

Morning Brew Deep Dive

Your daily action plan - the 5-minute routine that keeps deals moving

What you get

Prioritized action cards with one-click Call/Email/Open buttons. Clients you contacted yesterday are auto-skipped.

The 5-minute routine

1. Open Brew. 2. Scan top 3-5 cards. 3. Click action buttons. 4. Make calls or send emails. 5. Log the action. Pipeline stays fresh, zero effort.

Customize

Settings > Morning Brew: change tone (Professional, Friendly, Urgent, Educational), delivery time, frequency. Team members each get their own copy.

Common Questions

Answers to the things brokers ask most often.

How accurate are the penalty estimates?

Very accurate. RateGuard uses 160+ lender-specific penalty rules, including IRD calculations for big banks, 3-month interest for variable rates, and unique methods for monolines like Equitable (bond yield) and Home Trust (bona fide sales clause). The math uses the exact method each lender uses, not a generic estimate. That said, penalties can shift as rates change, so treat them as a strong estimate for the conversation, not a final quote.

Where do the "best available" rates come from?

The "best available" rate is a conservative median across monoline lenders for each deal category (insured, insurable, conventional). We use these rates to surface opportunities - not to quote. They are intentionally set so you can almost always do better for your client when you actually shop the deal. Think of them as the floor, not the ceiling. If RateGuard says a client can save money at the median rate, the real savings with your best lender will be even higher.

A client's data looks wrong. How do I fix it?

Expand the client's card and click "Edit Details." You can override any field: rate, balance, maturity date, property value, amortization, and more. Your override takes priority over the CRM import data. The card recalculates automatically with the corrected numbers. If you see orange pills ("Est. LTV", "Missing: maturity"), those are the fields worth fixing first.

How often does my data refresh?

If you have Finmo or Velocity connected, your data syncs automatically every morning. New deals from your CRM appear, and existing deals update with fresh info. If you use CSV uploads, your data reflects the last upload. You can upload a new CSV anytime, and we auto-detect the format. After any data update, your opportunities are recalculated automatically.

What do clients see when I send a PDF or share a calculator?

Everything is branded with your name, photo, brokerage, licence numbers, and contact info. PDFs include a professional header with your branding and a footer with your phone and email. Shared calculators show your name and photo at the top of the result page. Clients never see "RateGuard Pro" or any white-label branding - it looks like your own tool.

Can my team members see everything I see?

Team members see your full client list and all opportunities. They can log actions, send PDFs, and generate emails under their own name. They receive their own Morning Brew. The only thing they cannot access is Settings - only the account owner can change branding, billing, team management, and CRM connections.

What's the difference between Dashboard and My Book?

Dashboard shows clients with active opportunities - people who could save money by switching. My Book shows every client in your book, including those with no current opportunity. Use Dashboard for daily outreach. Use My Book when you need to look up a specific client, review data quality across your entire book, or fix estimated/missing fields.

I'm not getting my Morning Brew. What's wrong?

Check Settings > Morning Brew to make sure it is enabled and the delivery time is set. If it is on but you are not receiving it, check your spam/junk folder - the email comes from jeff@rateguardpro.ca. If you have zero opportunities (all clients are on good rates), the Brew will skip that day since there is nothing to act on. Contact jeff@rateguardpro.ca if it still isn't arriving.

Still have questions?

Use the chat widget in the bottom right, or email jeff@rateguardpro.ca

What's New

Features that work in the background to keep your pipeline moving. Most of these are already running for you.

☕

Morning BrewA personalized email every morning (or weekly, your choice) with your top opportunities sorted by priority. Each card has one-click action buttons that link back to your portal. Clients you already contacted are automatically excluded so you never waste time. Customize the schedule and tone in Settings > Morning Brew.

📊

Variable Rate MonitorVRM clients are tracked continuously against current prime. When a fixed rate becomes more favourable than their effective variable rate, they appear as a HOT opportunity automatically. After a Bank of Canada cut, your VRM clients' cards update the same day - no manual work.

🔍

Data VerificationAfter you upload or connect your CRM, RateGuard flags clients with missing or estimated data (orange pills on cards). Fixing these sharpens your opportunity analysis. The most impactful fields to correct: property value, maturity date, and original mortgage amount. You can bulk-review flagged clients in one session.

👥

Team AccessAdd team members in Settings > Team. They get their own login, see your full book, send PDFs and emails with their name, and receive their own Morning Brew. You keep control of settings and billing. Every action they take is tracked separately so you can see who contacted which client.

🔄

Automatic CRM SyncIf you have Finmo or Velocity connected, your book syncs automatically every morning. New deals appear, closed deals update, and your opportunity analysis refreshes with fresh data. No manual CSV uploads needed (though you can still upload anytime).

💡

Feature TipsContextual tips appear as you explore the portal, explaining what each section does. Dismissed one too early? Reset all tips to see them again.

Video Library

Watch at your own pace. These are the same videos from your onboarding emails, all in one place.

Getting Started

▶

2 min

Welcome to Your Portal

Your first look around. Dashboard, cards, filters, and where to find everything.

▶

4 min

The Dashboard Deep Dive

Reading cards, understanding priorities, filters, and where the money lives.

▶

3 min

Morning Brew

Your daily money email. How to read it, act on it, and customize the schedule.

Power Features

▶

5 min

How I Present to Clients

Watch over my shoulder. Real client scenarios, what to say, how to use the portal live on a call.

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4 min

Getting Your Data In

Connect your CRM or upload a CSV. The most important step to get your book analysed.

Advanced

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5 min

Grade My Mortgage

Free lead generation. Share your link, track conversions, and watch leads flow into your book.

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4 min

Budget Builder + Discovery Call

How to close a deal on the first call using the budget builder and discovery tools.

📨 Email Gallery

Every email your clients and leads receive — exactly as they see it. Click any card to preview.

📈

Grade My Mortgage

Triggered when a consumer grades their mortgage at grademymortgage.ca or a partner page

Broker Email 🔔

Lead Alert

You get this the moment someone grades their mortgage. Grade, lender, rate gap, and savings — ready to call.

Instant on submission

Client Email 📊

Grade Report (A - F)

The consumer's report card. Grade badge, rate comparison, savings amount, and your contact details. All 5 grade tiers.

Instant on submission

Client Email 🏢

Partner Co-Branded Version

For employer and referral partners (healthcare networks, realtors). Their branding up top, your contact info at the bottom.

Instant on submission

📅

Monthly Campaigns

Automated emails sent to enrolled clients on a schedule or trigger

Client Email ⭐

Monthly Mortgage Grade

Your flagship email. Every enrolled client gets a personalized grade every month — A+ through F, plus renewal and B-lender variants.

1st of every month

Client Email 📈

Grade Changed Alert

Auto-sent when a client's grade improves or declines. Grade transition, what changed, and a prompt to act while the window is open.

Triggered by grade shift

Client Email 🏦

Bank of Canada Alert

Same-day when BoC announces held, cut, or hike. Variable clients see exact payment impact. Fixed clients get renewal context.

BoC announcement day

🔄

Client Lifecycle

Drip sequences tied to key mortgage milestones

Client Email 🎉

Post-Funded Welcome (Day 3)

First email after mortgage funds. Warm congrats, sets expectation for ongoing monitoring, and introduces the client portal.

3 days post-funding

Client Email 📆

Renewal Campaign (9 Months Out)

First of 4 pre-renewal emails. Heads up that renewal is coming, rate environment context, and an offer to start planning now.

9 months before renewal

Client Email 🎯

Year in Review

Annual summary every December. Principal paid, interest paid, equity gained, BoC moves that year — clients love this one.

December annually

Lender *

Current Balance *

Current Rate *

Original Amortization *

Term Length *

Funding Date *

Maturity Date *

Your Full Mortgage Wrapped is Ready!

📝 Script Library

🎯 Renewal Strategies

MY BOOK

Volume Performance

By Lender

Better Data = Better Opportunities

Your Clients

Edit Client

CLIENT NAMES

CLIENT 1

CLIENT 2

Mortgage Details

Notes

➕ Add New Mortgage

Client 1

Client 2 (optional)

Mortgage

Source & Notes

📅 Bank of Canada Rate Announcements

Send Verification Email

0 of 0 have emails

Send Verification Emails

☕ Morning Brew Preview

Profile

My Links

Morning Brew

Team

Invite Team Member

Data & CRM

Billing

Book Health

Remove from Book?

Merge Duplicate Records

Edit Client

Command Center

Share Center

Quick Start

Outreach Scripts

Understanding Cards

Tools

Pipeline

Portal Guide

Common Questions

What's New

Video Library

📨 Email Gallery

Grade My Mortgage

Lead Alert

Grade Report (A - F)

Partner Co-Branded Version

Monthly Campaigns

Monthly Mortgage Grade

Grade Changed Alert

Bank of Canada Alert

Client Lifecycle

Post-Funded Welcome (Day 3)

Renewal Campaign (9 Months Out)

Year in Review

⚡ Penalty Command Centre

📊 Penalty Intelligence Report

📉 Live Penalty Timeline

📈 Rate Sensitivity Analysis

🔍 Competitive Intelligence

Select Strategies for Client PDF

Email Script

Email Script

Insert Client Data

Connect Your Data

Complete Your Profile

Quick Professional Acknowledgment

Let's Get Started!

Broadcast Studio

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