Tools

Adding A Custom Lender

Add a lender that isn't in our default list so it shows up alongside the rest.

Adding And Clearing Rate Overrides

Set a custom rate for a specific lender + term when you have a better deal than the posted rate.

Advanced Options In The Penalty Calculator

Cashback and discount rate let us narrow into the lender's actual historical posted rate instead of falling back to a monthly average.

Changing A Rate For Just One Client

Open the client profile and edit the rate in the best option card. Only that client is affected.

Comparing Lender Options

The comparison view shows scenarios across lenders and products, with a best-option card and savings metrics.

Comparing Strategies Side By Side

Stack a competitor's package beside yours and show the client the payment and the interest they pay over the term, side by side.

Downloading The Penalty Result And Lender Options

Both the penalty result and the lender options can be exported as PDFs from the Penalty Calculator.

Favoriting Lenders

Star a lender so it floats to the top of the rate analysis options. Visual ordering only - it doesn't change which option gets picked.

Hiding Lenders You Don't Use

Hide lenders from the Rates grid so you only see the ones you actually work with.

Lender-Specific Penalty Math

How we price each lender's penalty, which lenders we have first-party math for, and how we flag every figure that leans on an assumption or estimate instead.

Matching The Payment To Compare Cost

Lock every scenario to the same monthly payment so a better rate shows up as less interest and a lower balance at renewal, not just a lower payment.

Rate Offset And Resetting To Live Rates

A rate offset adjusts every rate by a fixed amount. Reset to live rates wipes overrides and offsets back to market.

Recent Calculations And Pre-Loading

See your recent penalty calculations and pre-load them back into the form to tweak.

Running A Penalty Calculation

Enter the lender, current rate, balance, and months remaining to see IRD vs 3-month interest.

Saving And Exporting A Strategy Analysis

Save a comparison to your history and export a branded PDF you can share with a client or screen-share live.

The Rates Page

A lender-by-term grid of current market rates - 1, 2, 3, 4, 5-year Fixed and Variable.

Uploading A Lender Rate Sheet

Drop a lender's rate sheet, review the rates we read, and choose which ones to apply to your grid.