Real Estate — Financial & Insurance Services

Mortgage Advisory, Property Insurance, and Rent Guarantee — financing and risk-coverage tracking for the brokerage’s portfolio.

Overview

The Financial & Insurance Services sub-group covers the money side of a deal after a client and property are matched: financing the purchase (Mortgage Advisory), insuring the property (Property Insurance), and guaranteeing a landlord’s rental income (Rent Guarantee). All three reference Property and/or Client from the Operational Setup catalogs via Sub-Resource-Lookup SearchableComboboxes — none of them offer inline quick-create.

Honest scope — no live financial integrations

Nothing in this sub-group calls a real bank, credit bureau, or insurance-underwriting API. Interest rates, LTV/DTI figures, expiry countdowns and exposure totals are computed from data the brokerage enters itself, using standard formulas or plain date/aggregation math — not a live external feed. Each screen’s source doc-comment spells this out explicitly; the summaries below repeat it because it matters for what you can rely on this data for.

1. Mortgage Advisory

Purpose: Tracks financing/mortgage applications advisors run on behalf of clients. Application codes follow the pattern LON-YYYY-####.

Status pipeline

Eligibility Check

→

Submitted

→

Valuation Pending

→

Approved

(or Rejected at any point.)

The LTV / DTI calculator

Two figures are computed live in the modal as the advisor types:

LTV (Loan-to-Value) — requestedAmount / propertyValue × 100. A plain inline calculation; there is no live external valuation source behind propertyValue.
DTI (Debt-to-Income) — the estimated monthly installment (via the standard amortization formula M = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) over the loan term) divided by monthly income, ×100. Color-coded: green ≤40%, amber ≤55%, red above 55%.

Reference bank rates are illustrative only

The modal shows a small static table of sample bank rates for the advisor’s quick comparison. This is fixed reference text in the codebase, not a live rate feed — there is no bank-API integration.

On approval: auto-drafted agreement

When an application’s status transitions into Approved, saving the record automatically creates a new Authorization Agreement draft in Agreements & Listing Templates referencing the matched client and property. See Screen Workflows for the full cross-screen trigger table.

2. Property Insurance

Purpose: Tracks property insurance policies. Policy codes follow POL-YYYY-####.

Insurance types

Type
DASK (mandatory earthquake insurance)
Comprehensive Homeowner
Commercial Fire & Property
Landlord Liability

Expiry countdown

Each policy row shows a real days-until-expiry figure — pure client-side date math comparing expiryDate to today, with no timezone-of-day component (both dates are truncated to midnight before subtracting). The countdown text and color react to urgency:

Days remaining	Display
≤ 0 (past due)	Red, bold — "Expired N days ago"
1–30	Red, bold — urgent
31–60	Amber — approaching
> 60	Muted — not yet urgent

Status itself (Active / Pending Renewal / Lapsed) is a separate, manually-set field — it does not auto-flip when the countdown crosses zero.

3. Rent Guarantee

Purpose: Tracks rent-guarantee management contracts — a guaranteed monthly payout to the landlord regardless of the tenant’s actual payment timing. Landlord and Tenant are both Sub-Resource-Lookup comboboxes sourced from the Client Directory, pre-filtered to the owner and tenant client types respectively.

Status

On-Time, Payout Triggered, or Legal Recovery — a plain manually-set enum with zero side effects elsewhere. There is no automated credit-scoring/underwriting engine and no real bank-payout integration behind it.

Stat chips

The two stat chips above the table — total guaranteed monthly exposure and contracts currently at risk — are a pure client-side aggregation of the real local contract rows. They are not an external credit score or a fabricated reserve-fund ledger; if the underlying contracts are wrong, the chips will be wrong in exactly the same way.

Frequently Asked Questions

Is the LTV/DTI calculation a real underwriting decision?

No — it’s a standard reference calculation to help the advisor gauge affordability before submitting to a bank. The actual bank decides eligibility; this screen has no bank-API integration.

Does approving a mortgage automatically send anything to the client?

No external communication is sent. The only automated effect is the internal draft Authorization Agreement created in Agreements & Listing Templates.

Does the expiry countdown on Property Insurance send reminder emails?

No — it’s a visual indicator only, recalculated each time the screen renders. There is no scheduled notification job behind it in this codebase.

Is the Rent Guarantee exposure figure a real financial liability calculation?

It’s an honest sum of the monthly guaranteed amounts entered on active contracts — useful as a rough exposure indicator, but not a regulated reserve or actuarial calculation.

Who can edit these three screens?

Any Real Estate role-holder with realestate:service:manage or the relevant screen access — see Domain Roles & Capabilities for the exact role matrix.