RateGuardPro

Post-funding, done properly.

RateGuardPro is mortgage monitoring for mortgage brokers. It watches every funded mortgage in your book for refinances, penalties and renewals, then writes the client email in your name and voice.

Join the waitlist

Mortgage monitoring for Canadian mortgage brokers. Waitlist open.

The Morning Brew · sample clients
Priyanka Chopra & Nick JonasFirst National · 5yr Fixed @ 5.34% → 4.09%
Interest saved$34,325
Monthly savings$361
Penalty today$11,800
In two months$14,650
Break-even rate5.14%
Net savings$21,675
Penalty risingReach out before it gets more expensive.
Refinance card: First National 5.34% to 4.09%, penalty $11,800 rising to $14,650, $34,325 interest saved
Penalty is $11,800 today, $14,650 in two months. The call is this month.
New message
ToKeanu Reeves <keanu@example.com>
FromJamie <jamie@example.com>
SubjectKeanu, rates dropped. Here are your numbers
SendWritten from the client's actual numbers. Edit anything.
Mon24Margot
Ryan
Tue25Keanu
Wed26Shania
Thu27Drake
Fri28Celine
Sat29
Sun30
Sending: Manual. You choose when each email goes out.
Overdue · Mon, Aug 24 (2)
Margot Robbie
Renewal · 60 daysAug 24
Hey Margot, we are about 60 days from your maturity date on Oct 20. If we have not chatted yet, now is the time to look at your options.
PreviewSend nowSkip
Ryan Reynolds
1-year reviewAug 24
Hey Ryan, it has already been a year since your mortgage funded. Hoping you are settled in. Quick check that the payment still fits.
PreviewSend nowSkip
Today · Wed, Aug 26 (2)
Keanu Reeves
30-day check-inAug 26
Hey Keanu, just wanted to check in. Your first payment should be out by now. Anything look off?
PreviewSend nowSkip
Shania Twain
Tax seasonAug 26
Hey Shania, tax season checklist for the rental: your annual mortgage statement, the interest paid, and the property tax receipt.
PreviewSend nowSkip
Every client, every year, without you remembering. Renewals, check-ins, tax season, Bank of Canada day.

Plays on its own. Put your cursor on it and it stops.

  1. Watches every mortgageEvery morning, ranked by who to call.
  2. Runs the numbersPenalty, break-even, savings. Done.
  3. Writes the emailIn your voice. You read, you send.
  4. Keeps in touchRenewals, check-ins, tax season. On schedule.

Why this exists

From Jeff, the founder.Jeff Mudrick

I'm Jeff, the founder. I'm also a mortgage agent with a book of my own, and that's where this started. A few years ago I came across the idea of mortgage monitoring and I fell in love with it. Every client's mortgage, watched after it funds. Rates, penalties, maturity dates. When the numbers say call, you call.

I built the first version in Google Sheets. It took me hours every week, but it worked. More than half of my book now comes from clients I already had.

Then brokers started asking if they could use it. So I built the real thing. RateGuardPro is that, done properly. I still open it every morning. And our first broker on it just passed $100,000 in income from their book in six months.

Jeff Mudrick, Founder, RateGuardPro · Ontario
P.S. Hoping we can make you a lot of money and look after a lot of clients along the way. Let's go find some deals.

What RateGuardPro does

Six things, every day, for every client in the book.
Client communicationEvery touchpoint a client should get. Renewals, anniversaries, check-ins, tax season, rate announcements. In your voice, on schedule.
Opportunities in your bookEvery mortgage in your book, checked against today's rates and today's penalty. The ones worth a call rise to the top.
RefinancesEvery client whose rate is above today's market, with the penalty already priced in. If the switch pays, you see by how much.
Penalty intelThe break cost by lender and method, IRD or three months interest, today and projected through the rest of the term. Rising penalties get flagged before they get expensive.
The first emailWritten from the client's actual numbers, in your words. You read it, you send it.
Your name on all of itYour clients hear from you. RateGuardPro stays in the background.

What you open

The opportunity card. One client, numbers done.
Priyanka Chopra & Nick Jonas
First National5yr Fixed @ 5.34%→5yr Fixed @ 4.09%
HotConvPenalty Rising
$18,600 in potential savings before renewal
Interest Saved
$18,600
Penalty
$11,800
Break-Even Rate
4.09%
Monthly Savings
$412
$24,720 over remaining term
Click for details ▼
Penalty is $11,800 today, but increases to $14,650 in 2 months. Reach out before it gets more expensive.
Customize your rateGO
Model Rate
Break-even 4.09%
Mortgage
Current Mortgage
Product
5yr Fixed @ 5.34%
Balance
$612,000
Payment
$3,710/mo
Amort Remaining
24.0 years
To Renewal
720 days · Jun 18, 2028
Switch To
Product
5yr Fixed @ 4.09%
Penalty
$11,800 (rolled in)
New Payment
$3,298/mo (-$412/mo)
Amort (same pmt)
21.9 yrs (2.1 sooner)
Net Savings
$18,600
Blake Lively & Ryan Reynolds
TD Bank5yr Fixed @ 4.89%→5yr Fixed @ 4.24%
UrgentInsurableNotes
$14,820 in potential savings before renewal
Interest Saved
$14,820
Penalty
$0
Break-Even Rate
4.24%
Renews In
87 days
Jun 30, 2026
Click for details ▼
Customize your rateGO
Model Rate
Break-even 4.24%
Mortgage
Current Mortgage
Product
5yr Fixed @ 4.89%
Balance
$425,000
Payment
$2,347/mo
Amort Remaining
22.5 years
To Renewal
87 days · Jun 30, 2026
Switch To
Product
5yr Fixed @ 4.24%
Penalty
$0 (at maturity)
New Payment
$2,161/mo (-$186/mo)
Amort (same pmt)
20.2 yrs (2.3 sooner)
Net Savings
$14,820

Real cards, sample clients.

Your book

What is already in it, on sample averages. Change anything.

Broker Opportunity Model

Sample averages. Change anything.

12%
60%
100 bps
85%
Commission waiting in your book$34,000After your split. From the clients you already funded, nobody new.
Mortgages in your book120
→
Clients with an opportunity14
→
Deals closed8
Funded volume$4,000,000
Gross commission$40,000
Per closed deal$4,250

Getting in

Who it's for, and how it starts.
  • Connects to your CRM, or a spreadsheet. Your book loads. You don't retype it.
  • Nothing sends without you. You read every email before it goes. Or set it to automatic, your call.
  • Your data stays yours. Security and privacy, in plain English.

If you've got a book, this is for you. Forty deals or four hundred, doesn't matter. The business is already in there, you just haven't had the hours to find it. Brand new? Bookmark this and come back once you've funded a few.

You'll be emailed when the next spot opens up.

Join the waitlistDownload the book cleanup template