IntelliRate® reads a borrower file the way your sharpest underwriter would — then models it against thousands of lender-program scenarios and returns the one structure with the lowest total cost of borrowing. In dollars. Before you submit.
Total cost of borrowing over the term — interest at Canadian semi-annual compounding, plus lender fees. Illustrative sample files, not rate quotes.
Rate is one variable out of hundreds. Brokers lose deals — and clients lose money — in the space between what a file actually says and what anyone has time to check against every lender's guideline.
Cross-referencing one borrower against a dozen lenders' rate sheets, guideline PDFs, fee schedules and prepayment terms is hours of work per file. So most files get compared against three or four options, and the rest of the panel never gets looked at.
Two 5-year fixed offers at the same rate can differ by five figures once lender fees, IRD penalty formulas, prepayment privileges, portability and insured-versus-uninsured pricing are costed out. Clients compare rates. They should be comparing cost of borrowing.
A file that fails on GDS/TDS at one lender, on income documentation at another and on property type at a third burns a week per attempt. The signals that predicted each decline were sitting in the application on day one.
We publish the domains and the count in each, because you should be able to tell a client what informed their recommendation. What each point is weighted at stays ours.
Each stage consumes the output of the one before it, and nothing advances without the licensed agent releasing it.
Guided application with conditional logic, completed once by the client.
Documents read and reconciled against what the borrower stated.
Thousands of priced permutations against live guideline sets.
Ranked on total cost of borrowing, filtered to your panel.
Package assembled to the chosen lender’s checklist, conditions tracked.
Funded files watched for refinance and renewal triggers.
Two live calculators, the full input taxonomy, the lender stack and the compliance posture — each with its own page.
Eight underwriting domains, each scored on its own and then jointly. Open the explorer to see what sits in every domain and how much of the file it carries.
Open 02Every figure behind a recommendation is auditable. The weighting, scenario generation and lender behaviour models that produced it are not published.
Open 03Six stages, each consuming the output of the last. Guided intake, document reconciliation, scenario modelling, matching, submission and post-funding monitoring.
Open 04Price a real file on total cost of borrowing at Canadian semi-annual compounding, and watch the term redraw as you move a slider.
Open 05Model your own desk: funded files, gross commission and the admin hours a file swallows before and after the engine takes the comparison work.
Open 06Banks, monolines, credit unions, alt-A, MICs and private capital — configured to the panel your brokerage actually holds contracts with.
OpenTwenty minutes. We run a real deal from your pipeline through the engine, side by side with what you were going to submit.