BIPS vs BluMortgage: Which CRM Is Better for Mortgage Brokers?
BluMortgage has been a fixture in the Canadian mortgage CRM space for years. It is a solid platform with a strong reputation. But at $99+/month with contact limits, is it still the best option in 2026? BIPS CRM launched at $29/month with unlimited contacts, and the value gap is hard to ignore.
Here is a direct comparison to help you decide.
Pricing Comparison
| | BIPS CRM | BluMortgage | |--|----------|-------------| | Monthly | $29 | $99+ | | Annual | $348 | $1,188+ | | 3-Year | $1,044 | $3,564+ | | Contacts | Unlimited | Limited tiers | | Per-Seat Pricing | No | No |
Switching from BluMortgage to BIPS saves you at least $840 per year. Over three years, that is $2,520+ in savings — money you could put toward marketing, lead generation, or simply keeping more of your commissions.
Feature Comparison
| Feature | BIPS CRM | BluMortgage | |---------|----------|-------------| | Mortgage deal pipeline | Yes | Yes | | Unlimited contacts | Yes | No (tiered limits) | | Renewal date tracking | Yes | Yes | | Document checklist | Yes | Yes | | Email integration | Yes | Yes | | AI assistant | Yes ($20/mo add-on) | No | | Lender matching integration | Yes ($150/mo add-on) | No | | Built for Canadian brokers | Yes | Yes | | Free trial | 14 days | Varies |
Both platforms cover the fundamentals: deal pipeline, document tracking, renewal reminders, and email. Where they diverge is on contacts, AI, and lender matching.
Key Differences
Unlimited Contacts vs Tiered Limits
BIPS gives you unlimited contacts on every plan. BluMortgage uses tiered contact limits — as your database grows, you either pay more or start trimming your list. For brokers focused on long-term relationship building and renewal tracking, contact limits are a real constraint.
AI Assistant
BIPS offers an optional AI assistant for $20/month that can draft emails, answer natural language queries about your pipeline, and suggest follow-up actions. No other mortgage-specific CRM in Canada offers this capability. BluMortgage has no AI features.
Lender Matching Integration
BIPS is the only CRM that integrates with a lender matching engine ($150/month add-on). When you enter a deal scenario, the system can match it against lender products and guidelines — no switching between tools. BluMortgage does not offer lender matching.
Canadian Focus
Both BIPS and BluMortgage are built for the Canadian market. This is a genuine advantage both share over US-centric platforms. Pipeline stages, compliance features, and deal structures reflect Canadian mortgage workflows.
When to Choose BluMortgage
BluMortgage makes sense if you are already deeply embedded in their ecosystem, have years of data and workflows built on the platform, and the switching cost outweighs the price difference. If your brokerage has standardized on BluMortgage and changing tools would disrupt your team, staying put is reasonable.
When to Choose BIPS
BIPS is the better choice if you are:
- Starting fresh and choosing your first CRM
- Cost-conscious and want the lowest price with no contact limits
- Solo or small team where every dollar matters
- Interested in AI tools that can save time on repetitive tasks
- Looking for lender matching integrated with your CRM
The Verdict
BluMortgage is a capable CRM. But at more than 3x the price with fewer features, the value comparison favours BIPS. Unlimited contacts, an AI assistant, and lender matching integration — all at $29/month — make BIPS the stronger choice for Canadian mortgage brokers in 2026.
The $840+/year you save is not a rounding error. It is real money that compounds over time.
Start your 14-day free trial at bips.ca/register — no credit card required.
Learn more about BIPS CRM features at bips.ca/crm.