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Additional Key Mortgage Data Points
Additional Key Mortgage Data Points

Easily track key dates within your clients' mortgages such as Fixed Term Lifetime, and Interest Only Periods

Leah Aboniawan avatar
Written by Leah Aboniawan
Updated over 3 weeks ago

Additional Key Mortgage Data Points

When it comes to managing mortgages, understanding key dates and timelines is crucial for both advisers and clients. This guide explains the critical mortgage data points, how they are tracked, and why they matter.

In this article you will learn:

  • Which key dates are being tracked?

  • Where you can find these dates within Trail?

  • How to use Trail to report on these dates to best service your clients?

Integration to the Mortgage Product Display

DATE DATA POINTS (Editable, shown in Further Details):

  1. Interest Only Start Date & Interest Only End Date

    • Tracks when a client switches to interest-only mortgage repayments.

    • Editable and displayed only if the repayment status is "Interest Only."

  2. Loan Settlement Date & Total Loan Lifetime End Date

    • Marks the start and final repayment dates of the mortgage.

    • Important for clients and advisers to monitor the loan’s progress.

  3. Loan Fixed Term Start Date & Fixed Term End Date

    • Represents when a fixed term starts and ends.

    • Useful for advisers to manage client-lender relationships.

TIME DATA POINTS (Non-editable, shown in Overview):

  1. Remaining Interest Only Period

  2. Remaining Fixed Loan Term Period

  3. Remaining Total Loan Lifetime

    • These are automatically calculated based on the provided dates.

    • Displayed only if corresponding date data points are entered.

Advanced Filtering Capabilities

  1. These mortgage data points are now included in the Trail Advanced Filter, allowing advisers to segment and track clients more efficiently.

  2. This update makes it easier to identify clients nearing key repayment milestones.

On Contact Tab

Make sure you are on Profile list and then click Advance Filter

Then you can now filter the Profile with the Home Loan for clients nearing key repayment milestones.

Improvements to Trail PDF's and Lender Calculators

Updates to Servicing Calculators

Trail will now be able to include the new dates and fixed/interest-only periods into Lender UMI Calculators where required 👍 assisting in automating the completion of these calculators.

Some of the PDFs in Trail will also be updated to include these new fields. These include:

  • Mortgage Fact Find

  • Insurance Fact Find

  • Mortgage Application

  • Lending Summary

  • Statement of Position

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