MDMT - Mortgage Data Mining Tool

	Status	Pipeline	File ID	Lender	Balance	LTV (%)	Current Rate	Type	Available Rate	All-In Rate	Monthly Savings	Break-Even	Net Benefit
Upload a client database to see opportunities

Amortization	-
Remaining Term	-
Posted Rate (Current)	-
Rate Differential	-
IRD Penalty	-
3 Months Interest	-

Illustrative only — not investment advice. Leveraged borrowing-to-invest: gains and losses are both magnified, the debt level does not fall, and interest deductibility depends on CRA tracing. Confirm suitability with a licensed tax & financial advisor.

Home value ($)

Mortgage balance ($)

Mortgage rate (%)

Remaining amortization (yrs)

Higher earner's income ($)

Marginal tax rate (%)

Property type

Mortgage type

Non-registered investments ($)

Approx. unrealized gain ($)

Advanced assumptions

HELOC rate (%)

Strategy (Smith)

Cap-gains inclusion

Prepayment penalty ($)

Projection horizon (yrs)

📊 Compare Lenders for This Client

See how this client's mortgage stacks up across different lenders at current rates.

Client Management

Follow-up Date

Client Sentiment

Proposed Offer

New Lender

Product Type

Rate Override (%)

Cashback Offered ($)

These fields configure the proposed new mortgage for this client. Changes update the effective rate comparison on the Overview tab.

Notes 0 characters

Activity Log ▶

📨 SMS Thread with this Client

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Shows your sent texts and client replies linked to this client's phone numbers. STOP/HELP keywords don't appear here.

Additional Info

📎 Include One-Page Report Auto-downloads the PDF when you send — drag into Gmail to attach

Sends server-side from your email address (audit-logged). Falls back to opening your email app if server-send is unavailable.

Sends server-side via Twilio (audit-logged, suppression-checked). Falls back to Messages app if Twilio is unavailable.

Prepayment Privileges

Lump Sum Allowed (%)

% of

Payment Increase (%)

Max increase over original payment

Anniversary Type

Payment Frequency

Available Lump Sum ($)

Available Monthly Extra ($)

Lump Sum Used This Year ($)

Original Mortgage Amount ($)

Recommended Strategy

—

Interest Saved

$0

Amortization Reduced

0 months

Out of Pocket

$0

📊 Scenario Comparison

Strategy	Interest Saved (over term)	Interest Saved (to payoff)	Amort Reduction	Balance at Renewal	Out of Pocket	Penalty Reduction

Set your profile once — your details will populate the compliant email signature on all outreach emails.

Full Name *

Title *

License Number *

Cell *

Fax (optional)

Email Address *

Email Method *

Default app (Outlook, Apple Mail, etc.) sends from your work email automatically. Gmail uses whichever account you're logged into.

SMS Signature (optional)

Appended to every outbound text. Blank = default "— {Your Name}, {Brand}".

* Required fields

Logins Today

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Calculations This Week

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Active Users This Week

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Chart.js integration ready — add bar chart for calculations per day

Top 10 Users (by calculations)

User	Calculations
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Top 10 Lenders (most calculated)

Lender	Calculations
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Import multiple mortgage files from a CSV or Excel spreadsheet. Your file should have column headers in the first row.

Mortgage Data Mining Tool

Identity & Licence Verification

Mortgage Data Mining Tool

📅 Prepayment Touchpoints — Clients to Call

▼ 📊 Opportunities

📅 Prepayment Touchpoints — Clients to Call

▼ 📊 Opportunities

⚖️ Prepayment Penalty Calculator

Mortgage Details

Results

Penalty Over Time

💡 Could a Prepayment Reduce This Penalty?

Client Details

📊 Compare Lenders for This Client

📨 SMS Thread with this Client

Additional Info

Prepayment Privileges

💡 Penalty Impact — The Blind Spot

📊 Scenario Comparison

📈 Multi-Year Projection — If You Repeat This Every Year

👤 Agent Profile

🔐 Change License Key

🎨 Theme Manager

Available Themes

📊 Usage Analytics

Top 10 Users (by calculations)

Top 10 Lenders (most calculated)

📈 Rate Trends

Add New File

📥 Bulk Import Files

Column Mapping

🌐 Website Leads

📧 Client Outreach Email

🧪 Validation Suite

✅ Penalty Calculation Validation Suite

🔑 License Manager

Issue New License Key

🪵 Logs

Active Sessions

Sign-in History

Preview & Edit

💬 SMS Messages

🪪 Identity Verification Review