Your advisor leads.
Our tools keep things moving.

By a licensed mortgage advisor, with AI helping in the background. Maya, our AI assistant, answers your questions instantly 24/7 and helps you get organized; Harvey, our behind-the-scenes file tool, reads your documents and pre-checks your file for issues. But every approval, every piece of binding advice, and every lender decision is owned by a licensed FSRA mortgage advisor. The tools take care of the paperwork so your advisor can spend their time on your strategy.

Maya is our 24/7 AI assistant. You can chat, call, or message her any time, in 50+ languages, and get instant, plain-language answers on rates, qualifying, the stress test, and your options. Maya never quotes a binding rate or gives formal advice — she hands you to a licensed advisor for that — but she means you're never left waiting for an answer.

Harvey is the behind-the-scenes tool our advisors use. It reads and classifies the documents you upload, cross-checks your file against each lender's underwriting rules before submission, suggests best-fit lenders, and flags anything missing or inconsistent, so problems get caught early instead of on closing day. Your advisor reviews what it finds and makes every call.

AI Smart Docs is Harvey's document intelligence. When you upload a file — a Notice of Assessment, a T4, a bank statement, an ID — it reads and classifies it automatically, pulls out the key fields, and validates them against what your application needs. If something is missing, expired, or doesn't line up, it flags it right away so you can fix it in minutes instead of finding out at closing. A licensed advisor still reviews everything; Smart Docs just does the tedious checking first.

RatePulse is our live AI rate engine. It tracks real-time rates across 100+ Canadian lenders, continuously updated, and powers both our live rate board and the quotes your advisor brings you. It means you see where the whole market actually sits today — not a single bank's posted rate. The figures on our rate board are real market rates; your exact rate is confirmed in writing by a licensed advisor once your file is matched to a lender.

Mortgage360 is the platform that ties it all together — your application, documents, status, and your advisor in one place. You can track your file from your phone, e-sign securely, and always see exactly where things stand.

Yes. Your information is encrypted in transit and at rest, stored in Canada, and handled under PIPEDA (and Quebec's Law 25). We're an FSRA-licensed brokerage and a FINTRAC-reporting entity, held to the same privacy and security obligations as the banks.