The Equity page is the tab that opens up the most surface area for a sales conversation. Here's what's on it, top to bottom.
The Equity Card
At the top of the page:
- Estimated Value - blended AVM value, with a pencil icon to override.
- Owed - current mortgage balance, excluding any registered line of credit.
- Home Equity - value minus owed.
- LTV - loan-to-value percentage.
If the value has been manually overridden, you'll see a small indicator next to the value so you know it's not the AVM.
If a client has entered their own home value on a report, a +$X (Client's Perceived Value) line shows just under the estimate, with a Use Value button to roll it in and the reset arrow to revert. Your number doesn't move until you choose to. Full details: Client Perceived Value.
Split And Segmented Mortgages
If a client's mortgage is split into multiple priced portions - the way readvanceable products like Scotia STEP and Manulife One work - the mortgage line itemizes instead of showing one opaque number. Each portion is listed with its type, rate, and balance, for example: Fixed 4.89% $300,000, Variable 5.95% $120,000, Line of credit 6.95% $80,000.
The fixed, variable, and ARM portions all count toward equity and LTV. A line of credit portion is different: because the client only owes what they've actually drawn, it is excluded from the equity and LTV numbers, so equity comes out higher and LTV lower than the raw total would suggest. The portion is still itemized in the breakdown.
When the breakdown includes a line of credit, the bottom row is labeled Total Borrowing Capacity (with a small "if all credit lines are fully drawn" note), because it represents the most the client could owe if every credit line were maxed out, not what they owe today. A plain mortgage with no line of credit still shows a Total Mortgage row. Either way, the summary above shows the amortizing mortgage figure that equity and LTV are based on. A client with a single plain mortgage still sees one line.
HELOC Scenario
A scenario block showing what a HELOC could look like on this property:
- Existing HELOCs registered - if the property already has HELOCs on it, they're listed here with each balance, and a Total registered line when there's more than one. This covers both the line-of-credit portions of a readvanceable or split mortgage (shown as "Line of credit" with its rate) and standalone HELOC secured debts (shown as "HELOC - creditor"). The list appears even when there's no new room left.
- Maximum - the room available for a new, additional HELOC on top of what's already registered. It's the lesser of the 65% standalone room (after netting out existing HELOCs) and the 80% combined room. Expand the breakdown to see "Property value x 65%", a "- Existing HELOC" line, and the resulting "= Standalone room".
- LTV Cap - usually 65-80% depending on lender.
- Rate Type - typically variable, prime plus a spread.
- Interest Rate - current estimate.
- Payments - interest-only, in most cases.
Reverse Mortgage Scenario
For older clients, a reverse mortgage scenario block:
- Maximum reverse mortgage available.
- Age-Based LTV - reverse mortgage LTV depends heavily on age.
- Eligible Providers - which lenders offer this product to this client.
This block won't show if the client doesn't meet the eligibility criteria.
Additional Properties
Below the subject property, a section for other properties the client owns. Add rentals, second homes, and other properties here. Each gets its own auto-lookup, and every card shows Balance, Equity, and HELOC Room - the dollar amount of HELOC room on that property, or "N/A" when there's none (or the value is still being looked up). They all roll into Portfolio Equity.
Each saved property card also has an icon (between edit and delete) to pull the property out into its own deal - it opens the Add Client form prefilled with the client and property details, on the Closed tab. Once a deal exists at that address, the same spot links straight to that deal's profile.
If the client has other active deals (matched by email), those properties show up here automatically as read-only Existing deal cards and roll into portfolio equity too - no need to re-enter them.
See Adding Additional Properties for the full flow.
Property Facts
The subject property's bedrooms, bathrooms, size (sqft), year built, property type, and tax assessment are pulled in automatically from public records. If any of them are wrong, click the pencil next to the field to correct it and save. The tax assessment reading can lag behind the latest provincial reassessment, so if it looks low, overwrite it with the current figure from your provincial assessment authority.
The property address is editable too: click the pencil next to it and pick the correct address from the suggestions. Because a different address means a different property, saving it re-pulls every fact from public records - bedrooms, bathrooms, size, valuation, and tax assessment all refresh for the new address, and any manual corrections you had made to the old property's facts are cleared. Expect a few seconds of loading while the fresh data comes in.
Where To Go From Here
The equity page typically leads to one of three actions:
- Send an equity report - see The Equity Report.
- Capture client debts and pitch consolidation - see Adding Client Debts and The Consolidation Report.
- Send a refinance candidate report - see Sending A Candidate Report.
What To Do Next
- Override the value if needed: How Equity Is Calculated.
- Add other properties: Adding Additional Properties.