The mortgage CRM for Ontario brokers

Mortgage brokers and agents in Ontario are regulated by the Financial Services Regulatory Authority of Ontario (FSRA), and the file you keep is as much a part of the job as the deal you place: disclosures, client identification, suitability notes, and a defensible record of the documents a borrower signed. BrokerDam's compliance tooling, document trails and e-sign certificates of completion are built to support the record-keeping expectations of brokers regulated by FSRA. Each completed signature produces a certificate capturing signer authentication, IP address, consent and a document hash, stored against the deal instead of in a separate signing tool.

Ontario is also the country's most competitive brokerage market, which is why BrokerDam pairs the compliance side with volume tools: a seven-stage pipeline that makes stalled files obvious, automated condition and renewal reminders, realtor portals for referral partners, and ad lead capture from Meta and Google that lands new inquiries in seconds.

Provincial land transfer tax — plus Toronto's

Ontario buyers face land transfer tax twice inside city limits, and it is the closing cost clients underestimate most. BrokerDam's land transfer tax calculator handles the provincial land transfer tax on its tiered brackets, then adds Toronto's municipal land transfer tax when the property is in the city, and applies the first-time buyer rebates available at both the provincial and municipal level.

For a Toronto purchase that combination is the difference between a client budgeting correctly and a client scrambling a week before closing — and for a buyer comparing a property in Toronto against one in Mississauga, it is a genuinely useful conversation to have on screen. Run it live, export the result as a branded PDF, and send it from the same place, alongside the affordability, payment and prepayment calculators.

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 Ontario brokers?

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

Does BrokerDam calculate Ontario land transfer tax?

Yes. BrokerDam's land transfer tax calculator handles Ontario's provincial land transfer tax, adds Toronto's municipal land transfer tax for purchases inside the city, and applies the available first-time buyer rebates at both levels. Results export as a branded PDF you can send to the client.