The branch quotes a rate. You quote a rate. The client picks the smaller one. IntelliRate® reads 268 data points per application, models it against the Canadian lender market, and proves client savings in actual dollars — so you win on advice, not on price.
Illustration only — not a rate quote, approval, or offer of credit. Fixed rates compounded semi-annually, not in advance, per Canadian convention; 25-year amortisation, 5-year term, interest paid over the term. Prepayment and penalty rows show terms typical of the two lender categories, not any specific lender's product. A live file also models fees, payout penalties, prepayment privileges and lender policy fit.
Clients leave your pipeline because a branch banker waves a discounted rate, and your explanation of the monoline advantage gets heard as broker rhetoric. A mortgage broker has access to dozens of mortgage broker lenders. The client has one number from their branch. Until somebody prices both, the smaller number wins by default.
The branch pre-approval rate burns into the client's memory. When you quote a few basis points higher for a standard charge with 20% annual prepayment, it sounds like an excuse rather than a wealth strategy — because nobody has priced the difference.
Checking lender guidelines by hand — GDS/TDS quirks, rental offsets, clawback clauses, fee schedules — is half a business day per file. Under deadline pressure you default to the two or three lenders you know best, and the better structure never surfaces.
Most Canadian borrowers do not carry a five-year fixed to the end of its term. When they break early, a posted-rate IRD penalty at a big bank can run several times a monoline's three-months-interest charge. You know this. Without a visual, the client cannot see it.
When you show a borrower the total cost of each option in dollars — interest over the term, the fee schedule, the prepayment privileges and what an early payout would actually cost — the headline rate stops being the whole conversation. That is a connection a branch cannot make, and it is why the client comes back at renewal instead of re-shopping.
A four-stage pipeline that turns a raw application into a ranked, priced lender shortlist — with the reasoning attached, before you submit.
Mobile-first client onboarding collects the full borrowing picture without the questionnaire fatigue that makes applicants abandon halfway.
Extraction parses T4s, NOAs, appraisals and liabilities into structured, normalised data across eight underwriting domains.
The file is stress-tested across prime, B-lender and credit union guidelines simultaneously, scoring fit and approval risk for each scenario.
Generates a broker-branded, client-ready comparison showing the exact dollar difference and the penalty exposure behind each option.
Published so you can explain it to a client. The weighting, scenario generation and scoring logic stay proprietary.
Residency, FINTRAC verification, marital status, first-time buyer status, co-borrower guarantees.
T4, incorporated self-employed, two-year NOA average, dividend flow, commission stability.
Equifax/TransUnion beacon, trade lines, revolving utilisation, consumer proposal history.
Postal code tier, condo status, square footage, zoning restrictions, environmental flags.
90-day bank history, gift letter compliance, TFSA/RRSP Home Buyers' Plan, equity draw.
Current lender charge, collateral vs standard charge, IRD calculation formula, payout fees.
Maximum LTV by market, rental offset percentage, secondary suite recognition, exception appetite.
Rate hold duration (30/60/120 days), closing date runway, Bank of Canada announcement schedule.
A synchronised mortgage broker CRM that unifies the applicant experience, file quality scoring, automated communication and POS submission — without replacing the lender channels you already have.
Give borrowers a clean, bank-grade mobile experience carrying your brokerage's branding. Guided document collection with validation means clean paystubs and NOAs on the first submission instead of the fourth.
Stop submitting files with missing conditions. The quality engine checks GDS/TDS against the stress test, flags income irregularities, and surfaces approval risk before the deal reaches a lender's desk.
Automate the long tail of touchpoints between pre-approval and funding. IntelliRate sends timely SMS and email updates to borrowers, realtors and lawyers so the file keeps moving without you writing the message.
Once you and the client settle on the winning structure, push the scrubbed application straight into the point of sale your brokerage already submits through. Your lender channels and compensation stay exactly as they are.
Brokerages running IntelliRate report the same pattern: better files at the top of the funnel, less chasing in the middle, and more of them closing at the end.
“Before IntelliRate, our agents were constantly getting undercut by the local RBC or TD branch over 8 basis points. Now, our presentation clearly demonstrates how that branch rate would penalize the client over $18,000 on a break fee. We close 4 out of 5 branch shoppers on the first consultation.”
The +60% figure and the outcomes above are reported by mortgage brokerages using IntelliRate. They describe what the platform is designed to improve; they are not a guarantee, and results depend on your market, lender panel, team and process. We will walk you through how these were measured on the demo call.
Implementation, licensing, data ownership and POS integration — answered before the call.
Bring a live file that was declined, shopped, or stuck in underwriting — or one you lost to a bank renewal offer last month. We model the 268-point match live on screen and show you the comparison your client would have seen.
Where you are today: POS, CRM, document storage, lender panel, team size, and where files stall.
We run an application across the lender market and show the ranked options, the reasoning, the approval risk and the total cost of borrowing for each.
Transparent pricing, white-label portal onboarding and the launch timeline. If it isn't a fit for your brokerage, we will say so.
No sales pressure. A technical architecture review with a Canadian mortgage technologist — for licensed brokers, agents and brokerage owners.
Calendar invite sent on confirmation