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Engage watches your entire client book so you don't have to. Its Opportunity Radar surfaces the renewals and switch-and-save deals hiding in the clients you've already funded, and its AI Underwriting reviews new files in a fraction of the time. You stay in control of every call, every email, every file.
Illustrative example — not real client files.
Engage is an AI growth application for Canadian mortgage brokers and agents, built by Treadstone. It connects to the client book you already own — through a read-only sync with tools like Finmo, Velocity, and Scarlett — and puts AI to work on the two jobs that eat a broker's week: finding the next deal and underwriting the current one.
Re-underwrites your whole book every night against current rates, then hands you a ranked call list each morning — who's renewing, who can switch and save, and what each call is worth in dollars.
Explore Opportunity RadarReviews mortgage applications — income documents, GDS/TDS ratios, the stress test, lender fit — in a fraction of the time and cost of an in-house underwriter. You approve every file.
See AI UnderwritingThe lender's retention letter goes out months before renewal — polished, personal, and on time. Opportunity Radar makes sure you're the first call instead: while you sleep, it re-prices every client against that night's rates, runs the penalty math, and ranks every opportunity by what it's actually worth.
Every client's renewal window is tracked automatically, so you call before the bank's retention letter lands — not after.
Rates move every week. Radar re-runs the savings-versus-penalty math on every file each night and flags the moment a switch becomes worth it.
No dashboards to babysit. Each morning's digest tells you who to call, in what order, and the dollar reason why.
One click opens a one-page brief: file history, current rate, penalty math, and talking points — so you start every call already ahead.
Personalized emails are drafted with the client's real numbers and your sign-off. Nothing ever sends until you approve it.
Files that aren't profitable to move yet sit on a rate-drop watchlist, and branded monthly savings reports keep clients loyal between deals.
Engage's newest capability reviews mortgage applications the way a seasoned underwriter would — income documents, GDS/TDS ratios, the OSFI B-20 stress test, and lender fit — in a fraction of the time and cost of an in-house hire. Built for Canadian deals, not U.S. mortgage rules, and you review and approve every file before it moves forward.
Not the hours a manual file review takes today.
Of the estimated ~$97,500/yr fully-loaded cost of an in-house underwriter. See the math.
GDS/TDS guidelines and the OSFI B-20 stress test — not U.S. rules.
Every file is reviewed and approved by you before it moves.
CMHC estimates roughly 1.15 million Canadian mortgages come up for renewal in 2026, and about 60% of all outstanding mortgages renew by the end of 2026. Every one of those renewals is a client the bank will fight to keep — and a deal a prepared broker can win. The brokers who come out ahead won't be the ones manually re-checking spreadsheets; they'll be the ones whose book is watched every night.
Per CMHC estimates — the single largest renewal cohort in Canadian history, many of them at rates set in the low-rate years.
Per CMHC — which means most client books are full of renewal conversations waiting to happen. The only question is who calls first.
Lender retention letters go out months ahead of renewal. Radar exists so your call — with sharper math — gets there before theirs does.
Engage is built for Canadian mortgage brokers and agents with an existing client book — solo producers who want their book worked without hiring, teams who want every renewal caught, and brokerage owners scaling ahead of the renewal wave. If you can read an email and make a phone call, you can run Engage.
See Opportunity Radar running on a book like yours — and what it would have surfaced this morning. Or talk to the Treadstone team about how Engage fits alongside fulfillment and marketing.
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