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Placement Engine

The AI placement engine for Canadian mortgage brokers

Test any borrower scenario against 40+ Canadian lenders and see exactly who says yes, with rates, terms, and BDM contacts. About 2 minutes per deal.

See where your deal gets approvedView pricing

First 3 placements free. No credit card required.

Canadian lenders checked
40+
per deal, vs 2-4 hrs by hand
~2 min
free placements to start
3
per month for unlimited
$150

How it works

From deal description to ranked lenders in 2 minutes

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

  1. 01

    Describe the deal

    Paste an email, type notes, or import from Finmo, Filogix, or Velocity.

  2. 02

    AI extracts the data

    Borrower, property, income, debts, and mortgage request pulled from unstructured text.

  3. 03

    Calculations run automatically

    GDS, TDS, LTV, stress-tested rate, and CMHC tier, using Canadian semi-annual compounding.

  4. 04

    Tested against 40+ lenders

    Every lender's live criteria checked at once against the calculated deal.

  5. 05

    Get ranked results

    Every qualifying lender with rates, terms, and BDM contacts, in about 2 minutes.

What you get

Everything you need to place a deal

Built for Canadian mortgage rules, not adapted from a generic matching tool.

AI scenario extraction

Paste an email or type notes in plain language. bips pulls out the structured deal in seconds.

40+ lenders

A-lenders, B-lenders, credit unions, and private lenders, across every Canadian province.

Correct Canadian math

GDS, TDS, LTV, stress test, and CMHC tiers, calculated with semi-annual compounding, not US-style monthly.

Ranked, deal-specific results

Every qualifying lender for this specific scenario, ranked by rate and terms.

BDM directory

Direct contact info for the BDM at every matched lender. No separate lookup.

Weekly rate updates

Rate sheets are processed weekly so every match reflects current pricing.

Import from your tools

Pull deals in from Finmo, Filogix, or Velocity instead of re-entering data.

Connects to the bips CRM

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.

Compare

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.

  • bipsOnly AI option

    Free, then $150/mo · ~2 min per deal

  • Lender Spotlight

    $99+/mo · 30-60 min per deal

  • Speed Stacker

    Varies · Varies per deal

  • Manual research

    Free (your time) · 2-4 hrs per deal

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.

Frequently asked questions

Common questions about the bips 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?
Your first 3 placements are free with no credit card required. After that, 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.

Test your first deal free

40+ Canadian lenders tested in about 2 minutes. $150/month after your first 3 placements.

Get started freeView pricing

First 3 placements free. No credit card required.