Canada’s first AI mortgage advisor

Meet Maya.
Your 24/7 mortgage expert.

Trained on Canadian mortgages. Fluent in 50+ languages. Knows every rate, every lender, every stress-test rule. Real humans take the call the moment you want one.

You’re chatting with Maya, an AI assistant. She doesn’t give binding advice — a licensed mortgage agent reviews anything that matters. How Maya works →

Hi 👋 I’m Maya. Ask me about rates, the stress test, what you can afford, or what to do at renewal — I’ll keep it short.

Maya is online·

Or try one of these

Call our line

24/7 · always on| 50+ languages| No bureau pull| FSRA #13737

Maya

🇨🇦 English

Hi! How can I help with your mortgage today?

What Maya can do

Everything you’d ask a great mortgage broker. Just faster.

She runs the same math, knows the same products, and pulls the same lender rate cards. The difference is she answers in 4 seconds at 3am.

Find your best rate

Across 50+ lenders. Insured, conventional, alt, B. Real-time market data.

Run live math

Affordability, payments, stress test, GDS/TDS, prepayment penalty — all in seconds.

Pre-qualify you instantly

Ballpark approval estimate without touching your credit bureau.

Speak your language

50+ languages with native fluency. Switch mid-conversation if you want.

Explain the paperwork

Commitment letters, T4s, NOAs, pay stubs — Maya knows what each clause means.

Hand off to a human

When you want a licensed advisor, she books one in your calendar — usually same day.

Maya inside your file

In your browser. On your file.

Maya runs on the open web — mobile-first responsive, no download required — and follows your file from first question to funded mortgage. Native iOS + Android apps are on the roadmap.

app.mortgagesquad.ca/client

Client portal

Welcome back, Sarah

Rate

4.19%

live

Balance

$542K

Free in

21y

↓2y

Maya · ai

Your rate's 0.30% above today's best. Worth a 4-minute renewal check?

✓ Pay stub uploaded · auto-extracted

→ RBC approved your pre-approval

⚡ Maya rebalanced your scenarios

Maya inside your client portal · with full file context

Maya is not a replacement for licensed advice.

Maya provides general mortgage information and ballpark estimates. For binding rates, application decisions, and personal advice, a Mortgage Squad Advisors licensed advisor (FSRA #13737) will always be involved. Maya doesn’t store credit information and never makes binding commitments. Privacy and data residency: Canadian-only.

Omni-channel by default

Wherever your clients want to talk.

One Maya brain. Six surfaces. The same persona, the same memory, the same answer — no matter how the conversation started or which channel it bounces to next.

Web chat

Embedded on every page. Persistent for signed-in clients, anonymous for guests.

Voice in & out

Real-time speech, sub-second latency. Inbound 24/7, outbound for renewals + follow-ups.

SMS

Two-way threads. Same context as web — your conversation doesn't restart.

Where Punjabi, Tagalog, and Spanish-speaking clients already live.

Email

Async replies threaded into long-form follow-ups, with full conversation memory.

Public REST API

Embed Maya in your own funnel, lender portal, or referral partner app.

Under the hood

She doesn’t just reply. She remembers, extracts, and complies.

Every turn updates her memory of your file, extracts the lead intent your advisor needs to see, and runs through a compliance guard before she ever speaks.

A real conversation, anonymized

I’m getting laid off Friday. Will I lose our mortgage?

That’s a really stressful moment — I’m sorry. The short answer: a job loss alone doesn’t trigger anything with your lender. They don’t get notified, and your existing mortgage stays on the same terms. The two things to watch are renewal time (lenders re-check income) and making payments on time (a missed payment hurts both your bureau and your next renewal).

Want me to pull up your renewal date and walk you through your buffer options now?

Yeah please. We’ve got two kids and I’m freaking out.

Memory captured this turn

life eventimminent job loss
relationshiptwo children, sole earner
sensitiveemployment instability · redacted in exports

Intents extracted for advisor follow-up

RENEWAL_HELPHIGH
PAYMENT_FLEXIBILITYURGENT

Compliance guard

✓ no binding advice issued

Maya’s draft said “your rate is locked.” The guard rewrote it to “your existing mortgage stays on the same terms” — the no-advice rule is enforced in code, not just in the prompt.

Built like a brokerage, not a chatbot

The depth a $400,000 decision deserves.

Maya is a regulated piece of brokerage infrastructure — tested nightly, audited per call, and architected so the rules can’t be prompt-engineered away.

Tested every night

100+ Canadian mortgage scenarios run nightly with deterministic + LLM-judged checks. Regressions block deploys.

Audited voice recordings

Every call recorded with strict retention. Every staff playback logged. PIPEDA-grade access trail.

Compliance guard in code

The no-advice rule is structurally enforced — every reply passes through a rewriter before it leaves the building.

Your transcript, your file

Request a revocable, time-limited share link for any call recording — yours to keep without a portal account.

No bureau pull, ever

Maya runs pre-qualification math on what you tell her. Your credit bureau stays untouched until a licensed advisor takes over.

Canadian-only data

Encrypted in transit and at rest. Stored in Canadian regions. Never sold, never used to train an outside model.

Read the full trust & methodology page

FAQ

Common questions about Maya.

The fast answers. Or just ask Maya directly — she knows the rest.

What is Maya?

Maya is Canada's first AI mortgage advisor — a 24/7 conversational assistant trained on Canadian mortgage products, lender programs, and qualification rules. She lives inside Mortgage Squad Advisors and answers your questions instantly in 50+ languages.

Is Maya replacing my mortgage broker?

No. Maya handles the first 80% — explaining options, running the math, comparing rates, and pre-vetting your scenario. The moment you're ready to apply or want a human, a licensed advisor at Mortgage Squad Advisors takes over. Every funded mortgage involves a real, FSRA-licensed agent.

Does Maya pull my credit?

Never. Maya works on estimates and ballpark math without a credit pull. Your bureau is only touched once you formally apply with a licensed advisor — and you control when that happens.

What languages does Maya speak?

English, French, Punjabi, Urdu, Hindi, Mandarin, Cantonese, Arabic, Spanish, Tagalog, Portuguese, and more. She'll auto-detect from your first message — or you can pick from the language switcher.

Can Maya talk on the phone?

Yes. Tap "Call Maya" and she'll answer voice calls with the same knowledge base. She can also schedule a call-back from a human advisor if you'd rather wait for one.

Where does my data go?

Everything is encrypted in transit and at rest, stored in Canada, and never sold. Maya doesn't store your credit info. You can request a full export or deletion at any time from your account settings.

Can Maya pre-qualify me?

Maya can run an instant ballpark pre-qualification using stress-test math, GDS/TDS ratios, and current lender appetites. For a binding pre-approval with a rate hold, she'll hand off to a licensed advisor — that takes about 60 seconds and still doesn't need a bureau pull.

How is Maya different from other chatbots?

Maya is purpose-built for Canadian mortgages with deep knowledge of stress test rules, lender-specific quirks (RBC, Scotia, TD, BMO, CIBC, NB, plus 50+ alt and B lenders), provincial land-transfer math, and CMHC programs. She's not a general LLM with a mortgage prompt — she runs against the same rate matrix our advisors do.

Your best mortgage starts with one question.

Ask Maya. Free, instant, no bureau pull, no obligation. A human takes over the second you want one.

Call live Get pre-approved

Meet Maya.Your 24/7 mortgage expert.