The Portfolio tab in Broki gives you a complete, live-tracked view of every mortgage file you've worked on — both active and completed. Beyond simply listing your files, Broki automatically calculates penalty estimates, break-even rates, and potential savings, and can send clients an automated Monthly Homeowner Report that keeps you (and your referral partners) top of mind while flagging refinance and renewal opportunities.
This article covers how the Portfolio tab is organized, what each data point means, how penalty estimates are calculated, and how to set up automated monthly reports.
How the Portfolio Tab Is Organized
Every mortgage file created in your pipeline appears in the Portfolio:
Active tab — files you're still working on
Completed tab — files you've marked as complete in your pipeline, giving you an easy-to-browse list of all past closed files
What Each File Shows
For every file in your Portfolio, you'll see:
Field | Description |
Loan Code | Internal file identifier |
Client Name(s) | Borrower(s) on the file |
Home Price | Purchase price or property value on file |
Closing Date | Date the mortgage closed |
Lender | The lender the mortgage is held with |
Original Balance | Mortgage balance at closing |
Current Balance | Live-tracked balance, adjusted for the paydown schedule, lump sum payments, and frequency changes |
Interest Rate | Client's current contract rate |
Payment Frequency & Amount | How and how much the client pays |
Product Type | The mortgage product (fixed, variable, adjustable, etc.) |
Years/Months Remaining | A live estimate of remaining amortization and term, based on actual paydown — if a client is ahead of schedule (e.g. on a variable that's outperforming), this reflects it |
Penalty Amount | Estimated penalty based on the mortgage product type |
Break-Even Rate | The rate needed for refinancing to be worthwhile |
Break-Even Monthly Payment | The monthly payment associated with the break-even rate |
Obtainable Rate | The rate you configure yourself (see below) |
Net Savings | The resulting savings (or cost) once the obtainable rate and penalty are factored in |
How Penalty Calculations Work
Penalty type depends on the lender and product:
Major banks typically use posted rates for an IRD (Interest Rate Differential) calculation
Monoline lenders typically charge 3 months' interest, since they calculate penalties using the client's contract rate rather than posted rates
True IRD calculations are relatively rare outside of major banks
Example
A file with 44 months remaining and a current rate of 6% might show:
Penalty: $23,000 (reflecting a large mortgage balance)
Break-even rate: 5.46% — the rate needed to save the client $544/month
Math check: $544/month × 44 months = $23,928, which roughly offsets the penalty — meaning refinancing at or below this rate creates a net benefit
Configuring Obtainable Rates
To see real net savings opportunities across your portfolio:
Enter your current Conventional, Insurable, and Insured obtainable rates
Click Apply
Broki will automatically apply the correct rate type to each file based on its product type and recalculate net savings across your entire portfolio
Example: Applying a 4% conventional rate to a $1.6M mortgage currently at 6% might show a $61,000 net savings — the figure is large because of the size of the mortgage and the size of the rate reduction, not an error.
Best Case, Average Case, and Worst Case Estimates
Because the exact rate hold discount a client received isn't always known, Broki gives a range rather than a single fixed number:
Scenario | Rate Basis |
Average Case | Actual posted rates on file (data dates back to 2021) |
Best Case | 0.15% lower than the posted rate |
Worst Case | 0.15% higher than the posted rate |
This range accounts for variables like rate holds the client may have had leading up to their mortgage.
⚠️ Important: This feature is designed to help you identify opportunities, not to replace an official payout statement. Always confirm exact penalty figures with the lender before presenting final numbers to a client.
Monthly Homeowner Reports
Broki can automatically generate and send a monthly report to clients, summarizing their savings opportunity, equity position, and renewal timeline.
Enabling Reports
Reports are off by default for each file
Open a file and toggle the report on
Once enabled, the system tracks and displays how many reports have been sent for that file
You can also click Send Report Now to send a report manually at any time, outside the automatic monthly schedule
Sending Schedule
Once turned on, one report is sent automatically every month, on the anniversary of the closing date (e.g. a file that closed on the 14th will send a report on the 14th of every month) — unless you turn the report off.
What's Included in the Report
You can preview any report from the Client Snapshot page on the homeowner's file. The report includes:
A personalized greeting to the client
Monthly Homeowner Snapshot — current property value and equity (equity increases automatically over time as the tracked paydown progresses)
Current monthly payment
Gross savings if the client lowered their interest rate
Net savings — savings after accounting for the prepayment penalty
Equity breakdown
Mortgage details
A call-to-action at the bottom
Renewal reminders at 30, 60, 90, and 120 days out from maturity, prompting the client to contact their broker
Realtor Visibility
If a realtor is assigned to the file, they will automatically be featured at the bottom of the report. Since property values are not auto-updated from appraisal data, this creates a natural opportunity to prompt the client to reach out to their realtor for a current home valuation — keeping the realtor visible and reinforcing the referral relationship.
💡 Why this matters: Monthly reports keep you top of mind with clients, keep referral partners (like realtors) visible and engaged, and proactively flag refinance and renewal opportunities — all without any manual outreach.
Why This Feature Sends Real Emails (Not Links)
Unlike many competing platforms, Broki's reports:
Send from your own connected Gmail or Outlook account — not from a third-party server — so replies come straight back to you
Are sent as a full email, not a hosted link the client has to click through, removing friction and increasing the chance the client actually reads it
Data Cleanup: Why It Matters
This feature is only as accurate as the data behind it. Before relying on penalty and savings estimates for older files:
Go through your existing database and confirm accuracy against your compliance records (commitments, etc.)
Double-check: lender, rate, amortization, closing date, and other starting details
Broki will automatically calculate the estimated current balance and remaining amortization based on the paydown schedule — but only if the starting data is correct
💡 Best practice going forward: Build a closing protocol to verify all mortgage details are correct before marking a file as complete. Clean data from day one is the most scalable way to get long-term value from this feature.
Pricing & File Limits
There is no limit to the number of files you can track in your Portfolio, and there is no extra charge based on file count. This is included as a built-in service — unlike some competing platforms that charge per-file tiers (e.g. $100 for 100 files, $200 for 200 files, and so on).
Quick Reference
Action | Where to Find It |
View active files | Portfolio → Active tab |
View completed files | Portfolio → Completed tab |
Set your current rates | Configure Obtainable Rates → Apply |
Turn on monthly reports | Open file → Report toggle |
Send a report immediately | Open file → Send Report Now |
Preview a report | Client Snapshot page → Preview |
Have questions about this feature or feedback to share? Reach out to your Broki account manager. Not signed up yet? Start a 14-day free trial.