See exactly which lender says yes.
Test any borrower scenario against 40+ Canadian lenders and get rates, terms, and BDM contacts. About 2 minutes per deal.
Invite-only for now. 14-day CRM trial, no card needed.
From deal description to ranked lenders.
No rate sheets, no guideline PDFs, no calling three BDMs to ask if a file fits.
- 01Describe the deal
Paste an email, type notes, or import from Finmo, Filogix, or Velocity.
- 02AI extracts the data
Borrower, property, income, debts, and mortgage request pulled from unstructured text.
- 03Calculations run automatically
GDS, TDS, LTV, stress-tested rate, and CMHC tier, using Canadian semi-annual compounding.
- 04Tested against 40+ lenders
Every lender's live criteria checked at once against the calculated deal.
- 05Get ranked results
Every qualifying lender with rates, terms, and BDM contacts, in about 2 minutes.
Everything you need to place a deal.
Built for Canadian mortgage rules, not adapted from a generic matching tool.
Paste an email or type notes in plain language. bips pulls out the structured deal in seconds.
A-lenders, B-lenders, credit unions, and private lenders, across every Canadian province.
GDS, TDS, LTV, stress test, and CMHC tiers, calculated with semi-annual compounding, not US-style monthly.
Every qualifying lender for this specific scenario, ranked by rate and terms.
Direct contact info for the BDM at every matched lender. No separate lookup.
Rate sheets are processed weekly so every match reflects current pricing.
Pull deals in from Finmo, Filogix, or Velocity instead of re-entering data.
Run a match from a client record. Add the bips CRM for $29/month and placements attach to the client file alongside pipeline, renewals, and documents.
The only deal-specific lender matching tool.
Criteria references and manual research still leave the matching to you. bips does the matching. No other Canadian platform does deal-specific AI lender matching.
| Tool | Price | Time per deal | Deal-specific |
|---|---|---|---|
| bipsOnly AI option | Invite-only, $150/mo | ~2 min | |
| Lender Spotlight | $99+/mo | 30-60 min | |
| Speed Stacker | Varies | Varies | |
| Manual research | Free (your time) | 2-4 hrs |
Prices based on publicly available pricing. Manual research time is an industry-typical estimate for checking a deal against several lenders by phone or email.
Questions about the Placement Engine.
What is a mortgage placement engine?
A placement engine tests a specific borrower scenario against every lender's live approval criteria and returns which will approve it, instead of a broker manually checking rate sheets one lender at a time. bips is the leading AI-powered placement engine for Canadian mortgage brokers, testing deals against 40+ lenders in about 2 minutes.
How is bips different from Lender Spotlight?
Lender Spotlight is a criteria reference: it shows what a lender's guidelines say, but doesn't test a specific deal against them. bips runs the actual deal's numbers against every lender's criteria automatically and returns a ranked, deal-specific match with rates and BDM contacts.
How long does it take bips to match a deal to lenders?
About 2 minutes, compared to 2-4 hours for manual lender-by-lender research. Describe the deal in plain language or import it from Finmo, Filogix, or Velocity, and bips returns every qualifying lender.
How many lenders does bips check?
bips tests deals against 40+ Canadian lenders, including A-lenders (major banks and monolines), B-lenders, credit unions, and private lenders, across all provinces and territories.
How much does the bips placement engine cost?
The Placement Engine is invite-only right now: join the waitlist from Billing after you sign up. Once invited, unlimited placements are $150/month, and brokerages and teams can get custom pricing. Client and deal tracking is a separate product, the bips CRM, at $29/month with a 14-day free trial.
Does bips use correct Canadian mortgage math?
Yes. bips calculates GDS, TDS, LTV, the stress-tested qualifying rate, and CMHC premium tiers using semi-annual compounding, the Canadian legal standard, not US-style monthly compounding.
Get on the Placement Engine waitlist.
40+ Canadian lenders tested in about 2 minutes. Invite-only for now, $150/month once you are in.