Canadian Lender Coverage | IntelliRate Mortgage Platform

Coverage

The full Canadian lending stack

Matched across every tier your brokerage is licensed to place.

IntelliRate models program families, not just rates — guideline sets, fee structures, documentation standards and appetite. Your panel is configured to the lenders you actually hold contracts with, so nothing recommended is a lender you can't submit to.

Tier A — BanksChartered bank retail and broker channels. Tightest guidelines, strongest pricing on clean salaried files, full B-20 stress test qualification.Prime files

Tier A — MonolinesBroker-channel-only lenders. Frequently the best insured and insurable pricing, with prepayment and penalty terms that vary far more than the rate does.Insured / insurable

Tier A — Credit unionsProvincially regulated, so not bound by OSFI B-20. Often the answer for strong files that fail a federal stress test by a few basis points.Provincial rules

Tier B — Alt-ASelf-employed, bruised credit, non-standard income and rental-heavy portfolios. Priced with lender fees that must be costed into the comparison, not footnoted.Fee-priced

MICMortgage investment corporations for short-term, equity-driven and transitional files where the exit matters more than the rate.6–24 month

PrivateFirst and second position private capital for construction, bridge, tax arrears and time-critical closings. Modelled with full exit cost, not just the coupon.Equity-based

Insured, insurable and uninsured pricing treated as three separate markets, because they are.
Default insurance premiums (CMHC, Sagen, Canada Guaranty) priced into the comparison at the correct LTV band.
Qualifying rate logic applied per lender and per regulator — federal stress test where it applies, provincial policy where it doesn't.
GDS/TDS computed under each lender's own income calculation method, not one generic ratio.

Modelling

How a lender program is modelled

Rates are the easy part. Guidelines are where the deal is won or lost.

Every program is normalised into one comparable schema so that forty lenders’ policy language can be tested against a single file in one pass.

Guideline set

Minimum score, maximum LTV band, maximum amortization, income documentation standard, property exclusions and rental treatment — captured per program, not per lender.

Qualifying logic

Federal stress test where OSFI B-20 applies, provincial policy where it does not, and each lender’s own qualifying rate method on top of that.

Pricing structure

Rate, lender fee, default insurance premium at the correct LTV band, and the penalty and prepayment terms that decide what the mortgage costs to leave.

Behaviour

Exception appetite, turnaround time and where a file of this shape actually lands — modelled from outcomes, and not published.

Matched across every tier your brokerage is licensed to place.

Rates are the easy part. Guidelines are where the deal is won or lost.

We configure your panel before the demo.