The AI placement engine for Canadian mortgage brokers
40+ lenders. 2 minutes. Every match ranked with rates.
Test any borrower scenario against 40+ Canadian lenders and see exactly who says yes - with rates, terms, and BDM contacts. No other Canadian platform does deal-specific AI lender matching.
The only deal-specific lender matching tool
Criteria references and manual research still leave the matching to you. bips does the matching.
| Tool | Price | Time per Deal | Deal-Specific? |
|---|---|---|---|
| bipsOnly AI option | Free, then $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/email.
Everything you need to place a deal
Built specifically for Canadian mortgage rules, not adapted from a generic matching tool.
AI Scenario Extraction
Paste an email or type notes in plain language - AI extracts the structured deal in seconds.
40+ Lender Coverage
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 needed.
Weekly Rate Updates
Rate sheets are processed weekly so every match reflects current pricing.
Import From Your Tools
Pull deals in directly from Finmo, Filogix, or Velocity instead of re-entering data.
Client Tracking Built In
Run a match directly from a client record. Pipeline, renewals, and documents are included with every plan, so there is no second tool and no second invoice.
From deal description to ranked lenders in 2 minutes
Describe the deal
Paste an email, type notes, or import from Finmo, Filogix, or Velocity.
AI extracts the data
Borrower, property, income, debts, and mortgage request pulled from unstructured text.
Calculations run automatically
GDS, TDS, LTV, stress-tested rate, and CMHC tier - using Canadian semi-annual compounding.
Tested against 40+ lenders
Every lender's live criteria checked simultaneously against the calculated deal.
Get ranked results
Every qualifying lender with rates, terms, and BDM contacts - in about 2 minutes.
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.
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.
How many lenders does bips check?
bips tests deals against 40+ Canadian lenders, including A-lenders, 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 included in every plan, so there is no separate CRM subscription to buy.
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.
Test your first deal free
$150/month. First 3 placements free. No credit card required.
40+ Canadian lenders tested in about 2 minutes.