The best option on a candidate isn't just the lowest rate on the sheet. It's the lowest rate that also matches your own rules about who you actually place business with. This article walks through where those rates come from and how the matching rules decide.
Watch Mandric walk you through this topic
7:49Where the Rates Come From
Every rate BrokerPlus compares starts on the Rates page: the daily market feed, plus anything you've overridden on top of it. When your rates are sourced from Lender Spotlight, a small mark on the comparison names the feed. If a lender isn't on the feed at all, add it as a custom lender and it prices alongside everyone else from then on.
Matching Rules Keep a Comparison Like for Like
Matching rules decide which lender categories are even eligible to be compared against each other, and whether the comparison has to land on a different lender than the client already holds. Each rule pairs a "from" category and product with a "to" category and product, with two switches: restrict the target to lenders you're funded with, and require a different lender than the current one. Rules run top to bottom, and the last one is always an enabled catch-all, any lender to any lender, so a candidate can never fall through with no answer.
Writing Your Own Rule
Open matching rules from the Rates page to add, reorder, or disable a rule. A new rule lands above the catch-all, since anything below it would never be reached. Reordering is drag-and-drop or keyboard-driven. Saving triggers a recalculation across your whole book, so every candidate's best option picks up the change together rather than disagreeing until the next nightly sweep.
Rental only targets, never sources
Rental only appears as a target product on a rule, since nothing on a candidate says their current property is a rental. Offering it on the "from" side would be a condition that could never fire.
Pinning and Favouriting a Lender
Two separate tools sit on the best option card, and they do different jobs. Favouriting a lender with the star is a standing preference: it doesn't change which lender wins, just makes that lender easier to spot across every candidate. Pinning locks the current recommendation in place for this one candidate only, so a later recalculation can't move it out from under you until you unpin it or reset the rate.
When a Card Says Outside Your Rules
A candidate's current lender doesn't have to be one your own rules would ever recommend into. When that happens, the best option still gets picked from whatever the rules allow, using the matching rule that governs it plus whatever's on your rates grid. If a recommendation looks off, check the rule covering this pairing before assuming the math is wrong, most surprises trace back to a rule stricter, or looser, than you meant. See Read the Rate Analysis for how the figure is used once the lender is settled.
What to Do Next
- Read the Rate Analysis to see how the recommended lender feeds the penalty and savings figures.
- Manage the Rates Page to check or override the rate the rule is comparing against.
- Add a Custom Lender when the lender you place with isn't on the feed.
- Add a Rate Override to correct one cell without touching the rule behind it.