Flow's 5 Written Guarantees
Flow puts 5 promises in writing for every client: pre-approval assurance, a rate look-back guarantee, 14 milestone updates with same-business-day responses, an annual equity analysis, and mortgage monitoring through our Ownwell-powered client portal. Each one is set out below exactly as we commit to it.
What is Flow's pre-approval assurance?
You know what you can afford before you shop. We match you with the right lender for your strategy, then walk you through the stress test so you understand what you qualify for.
- Access to our full lender network to find the right fit for your strategy
- The stress test at the current qualifying rate, explained in plain English
- A written pre-approval letter for your offers
- Rate hold protection for up to 120 days
What is the rate look-back guarantee?
If rates drop after approval, we lower yours automatically. We monitor rates every business day between your approval and closing.
- Rate checks every business day on your file
- If a lower rate becomes available, we re-lock at no cost
- No forms to fill out, we handle everything
- Protection right up until your mortgage funds
What are the 14 milestone updates?
You'll never wonder what's happening with your file. You get an update at 14 defined milestones, with a guaranteed same-business-day response to every call and email.
- 14 milestone updates, including application received, submitted to lender, approval, conditions, appraisal, insurance, lawyer or notary, signing and funding
- A guaranteed same-business-day response to your calls and emails
- Your own dedicated advisor, with no call centres and no transfers
- Plain-language updates with no jargon and no guessing
What is the annual equity analysis?
Every year we send you a free equity report so you can see where you stand and which moves make sense. Your mortgage shouldn't be set and forgotten.
- A current market value estimate for your property
- Year-over-year equity growth tracking
- A refinance break-even analysis that shows whether it's worth it right now
- Opportunities to use your equity for investments or renovations
How does mortgage monitoring work?
Every Flow client gets free access to our Ownwell-powered client portal, with home reports that track your property value, equity, purchasing power and potential interest savings in one place.
- A free home report on property value, equity and purchasing power, updated regularly
- A personalized interest savings analysis
- Proactive renewal outreach 6 months before your term ends
- Alerts when a rate change could benefit you
What if Flow doesn't deliver on a guarantee?
Tell us right away. We want to make it right and your advisor will talk it through with you directly. Every piece of feedback shapes how we serve every client after you.
Frequently asked questions
Do Flow's guarantees cost anything?
- No. All 5 are part of working with Flow, and in most cases the lender pays us, so the advice is free to you.
How long is a pre-approval rate held?
- Rate hold protection runs for up to 120 days as part of the pre-approval assurance.
What happens if rates fall before my mortgage closes?
- Under the rate look-back guarantee we check rates every business day between approval and closing. If a lower rate becomes available, we re-lock at no cost and you fill out no forms.
When does Flow contact me about my renewal?
- Mortgage monitoring includes proactive renewal outreach 6 months before your term ends.