The mortgage CRM for British Columbia brokers

Mortgage brokers in British Columbia are regulated by the BC Financial Services Authority (BCFSA), and the paperwork expectations that come with it are not optional: client identification, disclosures, the documents behind a file, and a clear record of who signed what and when. BrokerDam's compliance tooling, document trails and e-sign certificates of completion are built to support the record-keeping expectations of brokers regulated by BCFSA. Every signature produces a certificate recording signer authentication, IP address, consent and a document hash, and it stays attached to the deal rather than sitting in a separate e-sign account.

BC files also have their own rhythm — Lower Mainland and Victoria price points, subject-removal deadlines that move fast, and clients who ask about closing costs before they ask about rate. BrokerDam is built around that pace: a seven-stage pipeline, condition tracking with reminders, and an AI Underwriter that reads the package so nothing surfaces at the last minute.

Property transfer tax, calculated properly

Closing-cost questions in BC almost always come down to property transfer tax, and it is the one number clients most often get wrong on their own. BrokerDam's Canadian calculators handle BC's property transfer tax directly: the standard tiered calculation, the first-time home buyers' exemption, the newly built home exemption for qualifying new construction, and the additional property transfer tax that applies to foreign buyers purchasing in specified regions of the province.

That matters in practice because the difference between "first-time buyer, newly built" and "foreign buyer in a specified region" is thousands of dollars in cash to close — the kind of surprise that derails a subject removal. You can run the numbers in front of a client, then export the result as a PDF carrying your branding and send it from the same screen. Affordability, mortgage payment and prepayment calculators sit beside it, all exportable the same way.

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 British Columbia brokers?

Yes. BrokerDam is built for Canadian mortgage brokers and brokerages, including those regulated by the BC Financial Services Authority (BCFSA). Its compliance tooling, document trails and e-sign certificates of completion are built to support the record-keeping expectations of brokers regulated by BCFSA.

Does BrokerDam calculate BC property transfer tax?

Yes. BrokerDam's land transfer tax calculator handles British Columbia's property transfer tax, including the first-time home buyers' exemption, the newly built home exemption, and the additional property transfer tax that applies to foreign buyers in specified regions. Results export as a branded PDF you can send to the client.