The mortgage CRM for Alberta brokers

Mortgage brokerages in Alberta are regulated by the Real Estate Council of Alberta (RECA), and the expectations around file records — client identification, disclosures, the documents behind each deal, and evidence of what a borrower agreed to — sit at the centre of how a brokerage is reviewed. BrokerDam's compliance tooling, document trails and e-sign certificates of completion are built to support the record-keeping expectations of brokers regulated by RECA. Every completed signature carries a certificate recording signer authentication, IP address, consent and a document hash, filed against the deal rather than left in a separate signing service.

Alberta files come with their own texture too: interprovincial buyers arriving from Ontario and BC, a meaningful share of self-employed and commission-heavy income, and rural and acreage properties. The AI Underwriter earns its keep on exactly those files, where the income story is spread across several documents.

No land transfer tax — title registration fees instead

Alberta is one of the provinces without a land transfer tax, and that is a real selling point when a client is comparing a move from Toronto or Vancouver. But it does not mean zero closing cost at the registry: Alberta charges title registration fees, including a land title transfer registration fee and a separate mortgage registration fee, each based on value.

BrokerDam's calculator reflects the Alberta reality rather than pasting a transfer-tax number where none exists — it accounts for the title and mortgage registration fees so the cash-to-close estimate you hand a client is the one that applies here. For buyers relocating from a province with LTT, showing the contrast in writing is a genuinely persuasive document; export it as a branded PDF alongside the affordability, payment and prepayment calculators and send it straight from the client's record.

An AI Underwriter that reads the whole package

BrokerDam's AI Underwriter reads the full application package — paystubs, NOAs, T4s, bank statements, credit reports, MLS listings — cross-references the documents against each other, calculates GDS and TDS with the OSFI B-20 stress test, and hands back a broker-ready summary with its reasoning and the items worth verifying before you submit. It does not approve or decline deals; you stay in control. What used to be an evening of tabbing between PDFs takes minutes.

Velocity (Newton) sync

Connect your Velocity account with an API key and sync deals, borrowers and co-borrowers into BrokerDam — mortgage amount, key dates, lender and subject property address included, with stages mapped onto your pipeline. Syncing runs on demand and in one direction, Velocity into BrokerDam, so nothing is written back to your origination system. Older history comes in through file import.

Two-way SMS built in

Texting is how clients actually reply. Two-way SMS is native to BrokerDam — conversations attach to the contact and the deal, bulk texting is there for campaigns, and CASL STOP/unsubscribe handling is managed for you. No third-party account to provision.

One price, hosted in Canada

BrokerDam is $99 CAD per month per user, or $999 CAD per year, with everything included — AI Underwriter, pipeline, e-sign, SMS, campaigns, portals, compliance tools, calculators and commission tracking. There are no tiers and no add-ons. Customer data is stored in Canada (ca-central-1), which keeps the answer simple when a brokerage compliance questionnaire or a client asks where their documents live.

Frequently asked questions

Does BrokerDam work for Alberta brokers?

Yes. BrokerDam is built for Canadian mortgage brokers and brokerages, including those regulated by the Real Estate Council of Alberta (RECA). Its compliance tooling, document trails and e-sign certificates of completion are built to support the record-keeping expectations of brokers regulated by RECA.

Does BrokerDam calculate Alberta land transfer tax?

Alberta does not charge land transfer tax. BrokerDam's calculator reflects that: instead of a transfer tax it accounts for Alberta's title registration fees — the land title transfer registration and the mortgage registration — so the closing-cost figure you give a client is the one that actually applies in the province. Results export as a branded PDF.