The Opportunities Dashboard is where you go to find, review, and act on opportunities in your client database.
It brings together:
Savings opportunities
Renewal timing
Client engagement
So you can quickly see where to focus and start conversations.
Ownwell surfaces the opportunities to you — you surface the opportunity to your clients!
Quick walkthrough of the Opportunities Dashboard
A short walkthrough showing how to:
Identify opportunities
Review and adjust scenarios
Generate outreach and work opportunities to close
How to Use the Opportunities Dashboard
💡 Think of this as a working queue, not a report.
Recommended Workflow:
Start with Savings Opportunities
Click in → sense-check the numbers
Adjust assumptions → make it realistic
Generate email → reach out
Update status → stay organized
New opportunities surface regularly as rates change.
Build a habit of checking in on Ownwell regularly and working these opportunities.
How Opportunities Are Prioritized
Opportunities are grouped based on:
Financial impact → where clients can save money
Timing urgency → how close they are to renewal
Behavioral signals → who is showing intent
Recommended order:
Savings Opportunities
Pre-Renewal (6–12 months)
Renewal Window (0–6 months)
Most Engaged
Start at the top and work your way down.
Opportunity Buckets Explained
Each bucket represents a different type of opportunity so you can adjust your approach accordingly.
Savings Opportunities
These are clients with $2,000+ in net interest savings available.
This means the opportunity already factors in the full cost of breaking, including:
Costs paid at closing
Interest on costs added to the mortgage
Remaining balance carried into renewal
Savings are calculated over the remaining term, not the full mortgage
Why we surface this bucket
This is the clearest, most immediate opportunity:
The client can materially improve their position today
The math already accounts for the real cost of switching
How to think about it
These are your highest-value, highest-conversion opportunities
They are time-sensitive—rates change, and savings windows can close
If you’re not sure where to start, start here.
Pre-Renewal (6–12 months)
These are clients who are 6–12 months away from renewal.
We surface this window because it’s the point where you can still shape the outcome, not just react to it.
At this stage:
The client likely hasn’t started seriously evaluating options
Their lender hasn’t actively engaged yet
There’s still flexibility to position a refinance instead of a standard renewal
How to think about it
This is your opportunity to:
Start the conversation early before the banks start their outreach
Understand the client’s goals
Position a better solution before it becomes a last-minute decision
Early outreach here gives you more control over the outcome.
Renewal Window (0–6 months)
These are clients who are within 6 months of renewal.
We separate this from Pre-Renewal because the strategy changes.
At this stage:
The client is approaching decision time
Their lender may already be reaching out
There’s a real risk they default to a renewal without exploring alternatives
How to think about it
This is your highest urgency segment
The focus shifts from shaping → capturing the deal
If you haven’t engaged these clients yet, now is the time.
Most Engaged
These are clients who have recently engaged with their report and taken a meaningful action.
We surface this group because behavior often signals intent before timing does.
Even if they’re not near renewal:
They may be exploring refinancing
Thinking about accessing equity
Planning a move or financial change
How to think about it
Engagement is often an early indicator that something is about to happen
These are strong opportunities to start a conversation before the client reaches out elsewhere
Don't sleep on your engaged clients!
These behavior patterns often indicate intent and can create new purchase or equity take out opportunities.
Reviewing an Opportunity
Click into an opportunity to see a full breakdown.
This includes:
Client details
Penalty estimate
Closing costs
Cost assumption setting
Interest savings breakdown
This view is surfaced here for faster access — no need to rummage elsewhere to work your opportunities!
Remember that you can configure your Settings to determine:
Cost assumptions
How Net Interest Savings Is Calculated
We want to highlight a real-decision for the homeowner: “Is it worth breaking this mortgage?”
Each opportunity compares:
The client’s current mortgage
A new lower-rate scenario
We calculate:
Gross interest savings
Minus the cost of breaking, which includes:
Prepayment penalty
Closing costs
Impact of costs added to the mortgage
👉 Result: Net interest savings over the remaining term
Adjusting the Scenario
You can adjust assumptions directly within each opportunity.
Cost assumption options:
All costs paid out of pocket
Up to $3,000 added to mortgage
All costs added to mortgage
When you change this:
Savings update in real time
Refinance opportunities may surface in place of switches if penalty caps are exceeded
Adjusting the scenario helps you present the best options that actually fit their situation.
→ Learn how cost assumptions work
Reaching Out to Clients
Once you’ve reviewed the scenario, you can generate an email directly from the opportunity.
Each email is tailored to the specific opportunity, based on:
The client’s mortgage details
Their timing (e.g. renewal vs mid-term)
Their level of engagement
The financial scenario (savings, costs, payments)
What the email includes
Depending on the opportunity, the email may include:
A clear summary of what’s happening
Relevant financial insights (e.g. savings, equity, payment changes)
How costs are handled (if applicable)
A reason to act now
A natural call to action
For example:
A Savings Opportunity email will focus on net savings and cost breakdown
A Pre-Renewal email will frame early planning and strategic options
A Renewal Window email will emphasize urgency and avoiding lender default
A Most Engaged email will lean into observed behavior and potential intent
Each email is built around the client’s actual situation, giving you a strong starting point for outreach.
Customizing and sending
You can:
Adjust tone (formal, neutral, casual)
Choose your call-to-action
Edit the message as needed
When you’re ready:
Copy the subject and body
Paste into your email tool
Send to the client
Emails are generated in Ownwell, but sent through your normal email tool.
Opportunity Statuses
Track progress using statuses:
New → not yet actioned
Contacted → outreach sent
In Progress → active conversation
Closed → completed
Not Interested → client declined
On Hold → revisit later
You can also add notes in the Clients Details to track conversations and next steps.
This helps you track your opportunities as you work them and keeps your organized.
The Race to Zero Workflow
The most effective approach is simple:
👉 Work until no opportunities are left in “New”
Step-by-step:
Start with Savings Opportunities
Open each opportunity
Sense-check the scenario
Adjust assumptions if needed
Generate and send the email
Update the status
Move to the next opportunity
Then repeat for:
Renewal Window
Pre-Renewal
Most Engaged
You don’t need perfect scenarios.
You need consistent outreach.
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