Guides
Guides
Plain-language writing for Canadian mortgage brokers on the tools and rules that shape how a file gets done.
What is an AI underwriter?
What these tools actually do with an application package, what they explicitly don't do, and what to look for before you trust one with a Canadian file.
Read the guide →Why brokers need SMS built into their CRM
Texting, CASL in plain language, and why a bolt-on SMS tool quietly fragments the client record you rely on.
Read the guide →Velocity vs Filogix vs Finmo
A neutral guide to the three submission platforms Canadian brokers encounter — what an LOS is, how each differs, and how to choose. Current as of August 2026.
Read the guide →AI document analysis: what it can and cannot do
What AI document analysis can and cannot do on Canadian mortgage files, and how to evaluate a vendor before you trust one with a file.
Read the guide →GDS, TDS and the stress test
A plain reference guide to GDS, TDS and the OSFI B20 stress test, with a worked example showing how the stress test changes the answer.
Read the guide →When to start the renewal conversation
A practical outreach timeline for working a funded book: when to reach out ahead of maturity, what each touch should say, and what to prepare before the call.
Read the guide →