Guides for Canadian mortgage brokers
Practical guides on Canadian mortgage math, broker workflows, and running a modern mortgage practice.
Generic CRM vs. Mortgage Broker CRM: What Canadian Brokers Actually Need
Contact records and deal stages don't run GDS/TDS, chase documents, or track CASL consent. A capability-gap guide to CRM choices for Canadian brokers.
Read guide →The Mortgage Renewal Playbook: A 12-Month Timeline for Canadian Brokers
Renewals are the highest-ROI files in your book. A month-by-month contact timeline Canadian mortgage brokers can run from 12 months out to funding.
Read guide →Down Payment Verification: The 90-Day Trail, Gift Letters, Large Deposits
How Canadian brokers document down payment sources — the 90-day bank statement trail, gift letter requirements, large deposits, and FINTRAC overlap.
Read guide →CASL for Mortgage Brokers: What You Can Send (and When Consent Expires)
Express vs implied consent, the 2-year and 6-month windows, what every CEM must contain, and how CASL shapes renewal outreach for Canadian brokers.
Read guide →The Finmo-Only Stack: What Your POS Doesn't Cover After Submission
Finmo is strong at intake and submission. What happens after — conditions, compliance packages, funding, renewals — and where a POS-only stack leaves gaps.
Read guide →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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