Each stage consumes the output of the one before it. The broker owns every decision; the engine does every comparison.
A genuine sequence — each stage consumes the output of the one before it. Nothing advances without the licensed agent signing off on what the engine produced.
A guided borrower application collects the file once, in the client's own time, on any device. Conditional logic asks a self-employed applicant a different set of questions than a salaried one, and stops asking when the file is complete.
Documents are read and reconciled against what the borrower stated — pay stubs against declared income, NOAs against T1 lines, statements against declared liabilities. Property and market data attach to the subject address. Gaps are flagged, not guessed.
The engine builds and prices thousands of permutations of the file — term, amortization, insured status, down payment structure, co-applicant treatment, income calculation method, property classification — against each lender program's live guideline set.
Scenarios are ranked on total cost of borrowing over the term — not headline rate — and filtered to the lender panel your brokerage is actually contracted with. The agent sees the top options side by side with the reasoning that produced each one.
The submission package assembles itself against the chosen lender's checklist. Conditions are tracked, chased from the client automatically, and marked satisfied only when the supporting document actually supports them.
After funding, the file stays live. IntelliRate watches the rate market against the client's term, penalty exposure and remaining balance, and tells you the month a refinance or early renewal becomes worth the conversation.
Nobody on your desk has to relearn where deals live. IntelliRate ingests the file, does the comparison work, and hands back a package your existing workflow already understands.
Ingests deals from the origination platforms and CRMs Canadian brokerages already run, and pushes a completed, condition-checked package back out for submission.
The borrower application carries your brokerage’s branding and consent language, and can be dropped into an existing website, campaign or agent link.
Requests, reminders and reconciliation run automatically. A condition is marked satisfied only when the supporting document actually supports it.
Configured to the lenders you hold contracts with, per agent and per province, so nothing recommended is a lender you cannot submit to.
Panel configuration and intake branding is typically a matter of days. The heavier work is mapping your lender contracts and retention rules, which we do with you.
Funded files stay live with dated refinance and renewal triggers, so your back book generates its own next conversation.
Twenty minutes, start to finish, on a real deal from your pipeline.