Annual Client Reviews

Make This a Standard in Your Business

Overview

Annual client reviews are a critical part of building a sustainable and growing mortgage business.

Many of you are already conducting these reviews—great work. For those who aren’t, this needs to become a consistent and non-negotiable part of your process.

Every client. Every year. No exceptions.


Why Annual Reviews Matter

Annual reviews are one of the simplest and most effective ways to:

  • Retain clients
  • Stay top of mind
  • Uncover new opportunities
  • Provide ongoing value
  • Generate repeat and referral business

Most clients do not proactively revisit their mortgage, which often leads to missed savings and opportunities.

Your clients want to hear from you.


What is an Annual Review?

An annual review is a complimentary check-in with your client to:

  • Ensure they are in the best mortgage product
  • Review potential interest savings or rate improvements
  • Identify opportunities to improve cash flow
  • Align their mortgage with long-term goals
  • Provide ongoing support (no obligation)


When Should You Reach Out?

Every client should be contacted once per year, regardless of:

  • Mortgage term stage
  • Rate environment
  • Whether they’ve reached out to you


Key Triggers for a Review

A review is especially valuable if your client has experienced:

  • Plans to move (upsizing/downsizing)
  • Renovations or major purchases
  • Debt consolidation needs
  • Changes in income or employment
  • Interest in accessing equity
  • No review in the past 12 months


How to Implement

To make this process effective:

  • Build annual reviews into your workflow
  • Use a consistent outreach system
  • Track client touchpoints
  • Deliver on the service you’re offering

Consistency is key—this should become automatic.


Client Outreach Templates


Option 1: Sent by You

Hi [Client Name],

Believe it or not, it’s already time for your annual mortgage review.

I like to check in with my clients each year because even small changes over time can create opportunities to save money, improve cash flow, or access equity, and most homeowners don’t revisit their mortgage until it’s too late.

What’s an Annual Review?
This is a complimentary check-in where we:

  • Make sure you’re still in the best mortgage product for your situation
  • Review potential interest savings or rate improvements
  • Identify ways to improve your monthly cash flow
  • Keep your long-term plan aligned with your goals
  • Provide ongoing support (no obligation, ever)

Why This Matters

Most Canadians end up paying more on their mortgage over time simply because they don’t review their options regularly.


My goal is to make sure that doesn’t happen to you.

If you have 10 minutes, I’d be happy to set up a quick, complimentary review.
Just reply to this email with a time that works for you, and I’ll take care of the rest.


Option 2: Sent by Assistant

Hi [Client Name],

Believe it or not, it’s already time for your annual mortgage review.

[Deryk / Advisor Name] asked me to reach out because even small changes over the past year could mean opportunities to save money, improve cash flow, or access equity, and most homeowners never revisit their mortgage until it’s too late.

What’s an Annual Review?
This is a complimentary check-in where we:

  • Make sure you’re still in the best mortgage product for your situation
  • Review potential interest savings or rate improvements
  • Identify ways to improve your monthly cash flow
  • Keep your long-term plan aligned with your goals
  • Provide ongoing support (no obligation, ever)

Why This Matters
Most Canadians end up paying more on their mortgage over time simply because they don’t review their options regularly.

Our goal is to make sure that doesn’t happen to you.

If you have 10 minutes, I can get you booked in for a quick, complimentary review.
Just reply with a time that works for you, and I’ll coordinate everything.


Annual Review Call Framework

To support your annual client conversations, we’ve created a structured Annual Review Call Framework designed to help you run efficient, high-impact reviews in just 10–15 minutes.

This framework walks you through:

  • Pre-call preparation using your CRM and client data
  • A clear step-by-step call flow (from rapport building to closing)
  • Key talking points around rates, equity, and renewal planning
  • How to naturally identify opportunities and ask for referrals
  • Post-call actions to ensure proper follow-up and consistency

The goal is to help you deliver a consistent, value-driven client experience while uncovering opportunities and strengthening relationships.


Download the Annual Review Call Framework Here


Best Practice Reminder

  • Customize messaging to your client base
  • Ensure you follow through on what you offer
  • Keep communication simple and value-driven