Guides for Canadian mortgage brokers
Practical guides on Canadian mortgage math, broker workflows, and running a modern mortgage practice.
How IRD Penalties Really Work: Posted-Rate vs. Market-Rate Methods Compared
Why the same mortgage can carry a $10,000 penalty at a big bank and $5,000 at a monoline — the IRD comparison-rate methods explained for Canadian brokers, with worked examples.
Read guide →FINTRAC Compliance for Canadian Mortgage Brokers: The Program You Must Have in Place
Mortgage brokers are FINTRAC-regulated entities. A practical walkthrough of the five compliance program elements, client ID verification, record keeping, and reporting obligations.
Read guide →GDS and TDS Ratios in Canada: How Brokers Calculate Them (With the Stress Test)
A practical walkthrough of GDS and TDS debt-service ratios for Canadian mortgages — what counts in each, how the stress test changes the math, and a worked example.
Read guide →Running Finmo Deals Through One Pipeline: Ending Double Data Entry
How brokers who use Finmo as their POS can stop re-typing applications into a separate CRM — deal sync, document flow, and submission-ready packages in one pipeline.
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