This document covers the Offers tab inside a Broki mortgage file — including how to create and configure offers, publish them to the client portal, present side-by-side comparisons, use pros and cons templates, include MPP estimates, and send offer updates to clients.
Sections Covered
1. What the Offers Tab Is
2. Creating an Offer
3. Configuring Offer Details — Rate, Mortgage & Insurance
4. Prepayment Privileges & Fees
5. Mortgage Protection Plan (MPP) Estimates
6. Pros & Cons — Templates & Manual Entry
7. Publishing Offers to the Client Portal
8. What the Client Sees
9. Sending an Offer Update to the Client
10. Duplicating Offers — Best Practice Workflow
11. Quick Reference — Where Is That Button?
1. What the Offers Tab Is
The Offers tab inside a mortgage file allows you to build side-by-side mortgage offer comparisons and publish them directly to the client's portal. Instead of sending a long email outlining multiple options, clients can see all their offers presented cleanly in one place — with payments, default insurance, prepayment penalties, pros and cons, and even mortgage protection estimates.
The Offers tab is ideal for clients who have an accepted offer and you are presenting final lender options, or for any situation where you want to compare multiple products side by side.
Client portal display | Clients can view all published offers side by side in their portal and toggle between monthly, bi-weekly, semi-monthly, and weekly payment frequencies. |
Lender visibility | You can choose to display the lender name on each offer or hide it — allowing clients to compare purely on features and payments without lender bias. |
MPP estimates | Each offer can include an estimated mortgage protection plan cost for life and/or disability insurance. |
Pros & cons | Each offer can have a custom list of pros and cons, pulled from saved templates or typed manually. |
Portal limit | A maximum of 5 offers can be published to the client portal at once. |
2. Creating an Offer
To access the Offers tab, open a mortgage file from the pipeline and click Offers on the left sidebar navigation.
Steps to create an offer
Click Create Offer (the blue button at the top of the tab).
Give the offer a title (e.g. 'Option 1', 'TD Fixed 5-Year', or any label that makes sense for your comparison).
Optionally select a lender by searching the lender name field. Leave it blank if you want to hide the lender from the client.
Select the rate type (Fixed or Variable) and the term (3-year, 4-year, 5-year, etc.).
Enter the mortgage amount and interest rate. The monthly payment calculates automatically.
Complete the remaining fields (see Section 3 onwards).
Click Create Offer.
Best practice: Configure one offer in full detail, then use the Duplicate button to create the others. In most cases the mortgage amount is the same across all options — you only need to update the rate, lender, and pros and cons on each duplicate.
3. Configuring Offer Details — Rate, Mortgage & Insurance
Title | Name the offer (e.g. 'Option 1', 'Scotia Fixed', or keep it generic to hide lender identity). |
Lender | Optional. Search and select the lender. Leave blank to show no lender name in the portal — the offer will just display as 'Option 1', 'Option 2', etc. |
Rate type | Fixed or Variable. |
Term | Select the term length. Rate is optional — you can present payment ranges without a specific rate. |
Mortgage amount | The loan amount. Used to auto-calculate the monthly payment. |
Interest rate | Enter the rate manually. Auto-calculates the payment. |
Default insurance premium | If the mortgage requires CMHC/default insurance, enter the premium here. It is added to the mortgage amount, and the payment is recalculated on the combined total. |
Prepayment penalty | Defaults to 3 months interest. For fixed-rate products where you want to illustrate an estimated IRD, enter a custom dollar amount here instead. |
🔜 Search Rate (Prototype): The Search Rate button is currently in prototype and may not be functional depending on when you are reading this. Once live, it will allow you to search rates stored in the system rather than entering them manually.
4. Prepayment Privileges & Fees
Lump sum prepayment | Enter the annual lump sum prepayment percentage allowed by the product (e.g. 15%). |
Payment increase | Enter the annual payment increase percentage allowed (e.g. 100%). |
Lender fee | Enter any lender fee if applicable (e.g. for private or alternative lending). Leave blank for standard products. |
Broker fee | Enter any broker fee if applicable. Leave blank if there is no broker fee. |
5. Mortgage Protection Plan (MPP) Estimates
Each offer can include an estimated mortgage protection plan cost so clients can see what insurance would add to their payment. This is a great tool for MPP conversations.
How to configure MPP
Enter the client's age.
Select the gender.
Choose the coverage type: Life only, Disability only, or both.
What the client sees
Estimated monthly cost for life insurance.
Estimated monthly cost for disability insurance.
Total estimated monthly MPP cost.
Total payment if one borrower is protected.
Total payment if the other borrower is protected.
Total household protection payment (both borrowers fully covered).
⚠ The MPP estimate is based on cross-referenced data across hundreds of files at different age groups — it is not MPP's exact formula and does not account for health conditions or smoking status. It is an estimate only. A disclaimer appears automatically in the offer to inform clients of this. You will provide the exact amount separately once the application proceeds.
6. Pros & Cons — Templates & Manual Entry
Each offer has a pros and cons section where you can list the advantages and disadvantages of that particular product. This helps clients understand the differences between options beyond just rate and payment.
Adding pros and cons manually
In the offer editor, scroll to the Pros & Cons section.
Type your pros and cons directly into the fields.
Using a template
Click Load From Templates to select a saved pros and cons template.
The template will populate the pros and cons fields automatically.
Edit as needed for the specific offer.
Saving a new template
After typing out pros and cons, click Save As Template.
Give the template a name (e.g. 'TD FlexLine', 'Scotia STEP', 'First National Fixed').
The template is saved and available for future offers.
Managing pros and cons templates outside of an offer
📍 Templates section → Pros & Cons
Create and manage all your pros and cons templates here.
Add pros and cons, give each template a product name, and save.
Best practice: Build templates for every product you regularly recommend. You only need to type it out once — after that, loading a template takes one click.
7. Publishing Offers to the Client Portal
After creating an offer, click Publish to push it to the client's portal.
A maximum of 5 offers can be published at any time. If you already have 5 published, you must unpublish one before publishing a new one.
Unpublishing an offer removes it from the client portal but keeps it in your file — you retain full record of it.
You can republish an unpublished offer at any time.
8. What the Client Sees
In the client portal, clients navigate to the Offers section where all published offers are displayed side by side.
Each offer shows the mortgage amount, rate, and payment.
If default insurance was included, the insured mortgage amount is also shown.
The prepayment penalty is displayed.
Pros and cons are listed for each offer.
MPP estimates are shown if configured.
Clients can toggle between monthly, bi-weekly, semi-monthly, and weekly payment frequencies to see what works best for their budget.
If no lender was selected, the offer displays as 'Option 1', 'Option 2', etc.
9. Sending an Offer Update to the Client
Once your offers are published and ready, you can send the client a notification prompting them to review their portal.
How to send an offer update
Click the Update Client button on the Offers tab.
The module opens with a snapshot showing up to 3 of the published offers in a visual preview, with a note that additional options are available in their portal.
Select or customize the email message using your saved email templates.
Choose your email signature and sending email address.
Click Send.
Tracking sent updates
Click the eye icon on the Offers tab to see a history of how many updates have been sent to the client and when.
Use the eye icon before sending if you have a team member who may have already sent an update — it prevents accidental duplicate sends.
10. Duplicating Offers — Best Practice Workflow
Since most offers on a file share the same mortgage amount, down payment, and other base details, the most efficient workflow is:
Configure the first offer in full.
Click Duplicate on that offer to create a copy.
On the duplicate, update only what changes — the rate, lender name, and pros and cons.
Repeat for each additional option.
This approach typically takes only a few minutes per additional offer once the first one is complete.
11. Quick Reference — Where Is That Button?
Button / Feature | Location | What it does |
Offers tab | Left sidebar inside a mortgage file | Access all offers for this file |
Create Offer (blue button) | Offers tab | Opens the offer creation form |
Lender field | Inside offer editor | Optional — search and select a lender or leave blank to hide it |
Default insurance field | Inside offer editor | Enter CMHC/default insurance premium — adds to mortgage amount and recalculates payment |
Prepayment penalty field | Inside offer editor | Defaults to 3 months interest; override with a custom IRD estimate for fixed-rate products |
MPP section | Inside offer editor | Enter client age, gender, and coverage type to generate protection cost estimates |
Pros & Cons section | Inside offer editor | List advantages and disadvantages of this product |
Load From Templates | Pros & Cons section | Populates pros and cons from a saved template |
Save As Template | Pros & Cons section | Saves the current pros and cons as a reusable template |
Pros & Cons Templates | Templates section of the platform | Create and manage all pros and cons templates outside of an offer |
Publish | On each offer | Makes the offer visible in the client portal (max 5 at once) |
Unpublish | On each published offer | Removes from portal but keeps in the file |
Duplicate | On each offer | Creates an identical copy to modify for a different option |
Update Client | Offers tab | Sends the client a notification with a snapshot of their offers |
Eye icon | Offers tab | Shows history of how many updates have been sent and when |
Search Rate (Prototype) | Inside offer editor | Will eventually allow searching rates from the system — currently in development |