For Canadian mortgage brokers

Enter a deal. See who'll approve it.

bips checks your borrower scenario against 115 Canadian lenders and shows the math behind every match: ratios, stress test, and exactly why a lender says yes or no.

Try it free Book a 15-min demo

First 3 placements free. No credit card required.

Try a sample deal

$720k purchase in Calgary, 20% down. Self-employed 2 years, $150k average income on NOAs, 705 credit.

LTV

80.0%

Qualifying

6.59%

GDS

34.7%

TDS

39.9%

1
A lenderBest fit
Accepts 2 years self-employed on a 2-year NOA average
2
A lenderGreat fit
Ratios inside 39/44, credit above the 680 floor
3
Credit unionGood fit
Flexible on business-for-self income documentation
Declined (A lender): Needs 3 years self-employed history

Lender names, rates and BDM contacts unlock when you sign up.

Run your own deal

Sample deals for illustration. Ratios use Canadian semi-annual compounding and the current stress test.

115Canadian lenders
checked on every deal

First NationalMCAPEquitable BankRMGCMLSScotiabankHome TrustB2B BankA, B, and private lenders

How it works

From scenario to placement in about two minutes

No rate sheets, no guideline PDFs, no calling three BDMs to ask if a file fits.

Paste the deal

Type it the way you would explain it to a colleague, paste it from Filogix or an email, or upload the documents. bips pulls out every detail.

See the math

LTV, GDS, TDS, and the stress-tested qualifying rate, calculated with Canadian semi-annual compounding. Every number is shown, nothing is hidden.

Know why

Every lender comes back as a fit or a decline with the exact rule behind it, ranked by rate and fit, with the BDM ready to call.

Why brokers use it

Stop guessing which lender fits

Lender criteria change constantly and nobody can hold 40+ guidelines in their head. A missed rule costs you a decline, a week, and sometimes the client.

Every deal tested against every lender, not the five you remember
Decline reasons before you submit, not after
Guidelines kept current, so you are never working off an old PDF
You stay in control: bips shows the fit, you choose where to submit

Why lenders said no

Example: self-employed purchase, 705 credit

A lenderNeeds 3 years self-employed history (borrower has 2)
A lenderStated income program capped at 65% LTV
Credit unionProperty outside lending area

4 lenders will approve it. You see them ranked, with rates and BDMs.

What you get

Everything built around placement

Built for Canadian residential mortgage brokers, by people who place deals.

40+ lenders on every deal

A, B, and alternative lenders, credit unions, and private money. Every deal tested against all of them.

Canadian math, done

LTV, GDS, TDS, stress test, and payments with semi-annual compounding built in.

Ranked by rate and fit

Sorted by best rate and qualification confidence, not just by who will say yes.

BDM directory

Direct contact info for every matched lender. Set your own preferred BDM per lender.

Reads your files

Plain text, Filogix exports, emails, and documents. bips extracts the deal so you stop rekeying it.

Re-runs are free

Tweak the down payment or the income and run it again. Only a new deal counts as a placement.

bips CRM · $29/month

Your whole book, built for how brokers actually work

Bring your clients over from Filogix in minutes and run every deal from lead to funded in the same place you place it.

Import your Filogix book, statuses and loan details included
Deal stages from lead to funded, at a glance
Renewals, birthdays, rentals, and second mortgages surfaced for you
Placements attach straight to the client file
Unlimited contacts, no per-seat fees

See the CRM14-day free trial

What mortgage CRMs cost per year

bips CRM$348
BluMortgage$1,188+
Shape$1,428+
Jungo$1,800+
Aidium$1,800+

Published starting prices, per user. Competitor pricing may vary.

Simple pricing

Two products. Use one or both.

Placement Engine

$0 to start

3 free placements, then Pro at $150/month for unlimited.

See plans →

CRM

$29 /month

Unlimited contacts. 14-day free trial.

See the CRM →

Questions brokers ask

What is bips?

bips is an AI placement engine for Canadian mortgage brokers. Describe a borrower scenario in plain language and bips tests it against 40+ Canadian lenders in about two minutes, returning which lenders and products will approve the deal, at what rate, why the rest declined, and which BDM to call. Done by hand, that research takes two to four hours on a complex file.

How does bips work?

Describe the deal by voice or text, paste it from Filogix or an email, or upload the documents. bips extracts the details, calculates LTV, GDS, TDS, the stress-tested qualifying rate, and the CMHC tier using Canadian semi-annual compounding, then tests the file against every lender's live criteria and returns the lenders that will say yes, ranked by rate and fit.

What are the best AI tools for mortgage brokers?

For Canadian brokers the highest-value AI tool is a placement engine, and bips is the only one built for the Canadian lender market: it tests a real deal against 40+ lenders in about two minutes instead of the two to four hours manual research takes. Round it out with AI deal extraction, which bips includes, a general assistant such as ChatGPT or Claude for client emails and marketing copy, and Filogix Expert for submission.

What is the best mortgage broker software in Canada?

Two pieces of software rather than a suite: bips for placement and deal tracking, and Filogix Expert for submission. bips is free for your first 3 placements and $150/month for unlimited. Filogix is the Canadian submission standard and is normally provided by your brokerage, so a working placement stack starts at $0. The bips CRM is $29/month after a 14-day free trial.

How much does bips cost?

Free for your first 3 placements, with no credit card required and nothing locked. Pro is $150/month CAD for unlimited placements and unlimited re-runs, and new subscribers get a 14-day free trial before the first charge. Enterprise pricing is custom for brokerages and teams. The bips CRM is a separate subscription at $29/month CAD, with a 14-day free trial and unlimited contacts.

Is it really free to start?

Yes. Your first 3 placements are completely free and no credit card is required. The free plan requires a valid brokerage affiliation and mortgage broker licence number.

Does bips have a CRM?

Yes. The bips CRM is a separate subscription at $29/month CAD with a 14-day free trial. It covers unlimited contacts with no per-contact or per-seat fees, Filogix import, pipeline and deal stages, renewal and birthday reminders, document checklists, notes, and email integration, and placements attach straight to the client file. Standalone mortgage CRMs such as BluMortgage ($99+), Jungo ($150+), and Aidium ($150+) charge far more for that on its own and do not do lender matching.

What makes bips different from other mortgage tools?

Almost every other tool in the category either stores your clients or shows you lender criteria to apply yourself. bips runs the actual borrower scenario against 40+ Canadian lenders and tells you which ones will approve it, with the Canadian math already applied and the reason each lender passed or failed. It is the only deal-specific AI lender matching platform in Canada.

How is bips different from Lender Spotlight?

Lender Spotlight is a criteria reference: it shows what each lender's published guidelines say and leaves you to apply them deal by deal. bips takes the specific borrower, runs the numbers, and returns the lenders that will approve that file, ranked, with decline reasons for the rest.

What calculators are included?

Mortgage payment calculators with all 6 payment frequencies, GDS and TDS calculators, stress test, CMHC premium, affordability, and LTV calculators. All of them use Canadian semi-annual compounding, which is the legal standard here and the reason US-built calculators return the wrong number.

Can I import from Filogix?

Yes. Paste directly from Filogix Expert or upload the application documents, and the bips AI extraction fills in the fields automatically.

How many lenders does bips match against?

More than 40 Canadian lenders, including A-lenders (banks, credit unions, monolines), B-lenders, and private lenders, across every province and territory. Guidelines are updated as lenders change them.

Does bips work for all deal types?

bips supports purchase, refinance, renewal, switch, equity takeout, and debt consolidation, across standard residential property types (single family, condo, townhouse, duplex and similar) in all Canadian provinces. It is most useful on the files that are hardest to place: bruised credit, self-employed, newcomer, and rental income deals.

What tools does a mortgage broker need in Canada?

Three things. A placement tool to work out which lender will approve the deal (bips, free for 3 placements then $150/month), submission software (Filogix Expert, usually provided by your brokerage), and somewhere to track clients and renewals, such as the bips CRM at $29/month. Canadian mortgage calculators are free at bips.ca/tools.

How can AI help me as a mortgage broker?

Three ways that matter in practice. Placement: bips tests a deal against 40+ Canadian lenders in about two minutes instead of two to four hours of manual research. Data entry: bips extracts a structured deal from emails, notes, Filogix exports, and documents, so you stop rekeying applications. Client communication: general assistants draft follow-ups and explainers. Only the first is mortgage-specific, and it is where the hours actually go.

Something else? Get in touch

Place every deal with confidence.

Run your next file through bips and see which lenders will approve it before you submit.

Try it free Book a 15-min demo

First 3 placements free. No credit card required.