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A practical, broker-side training on how Canadian mortgage files actually get approved — income, ratios, the B-20 stress test, documents, lender fit, and AI underwriting. The full course is in production now. Join the waitlist and you're first through the door.
Planned curriculum — the final module list may evolve before launch.
Most underwriting training in Canada is written for lenders. This course is written for the broker side of the desk: how to read a file the way the lender's underwriter will, and how to package it so it passes the first time. Here's the planned curriculum.
01
The 5 Cs in Canadian practice, what OSFI Guideline B-20 expects of federally regulated lenders, and why clean files move faster than good deals.
02
Salaried, hourly, commissioned, self-employed, and rental income — what counts, what doesn't, and the document set that proves each one.
03
GDS and TDS from first principles, insured guideline caps, and qualifying at the greater of contract rate + 2% or 5.25% — worked on real-shaped numbers.
04
Purchases, refinances, switches, rentals, and new-to-Canada files — the full checklist for each, and the gaps that trigger conditions.
05
Matching the file to the lender before submission, reading rate-sheet fine print, and the most common Canadian decline reasons — pre-empted.
06
Where AI fits a modern brokerage: pre-underwriting every file in minutes, what to check yourself, and how tools like Engage's AI underwriting change the economics.
Planned curriculum — module details may be refined before launch. Waitlist members see the final syllabus first.
Licensing gets you in the door — Ontario's Level 1 and Level 2 agent classes, and their equivalents across Canada, teach the rules. This course teaches the files: the underwriting instinct that usually takes years of bounced submissions to build.
With roughly 1.15 million Canadian mortgages renewing in 2026, capacity is the constraint. Brokers who pre-underwrite their own files submit cleaner, get faster approvals, and win more of the wave — without adding headcount.
Processors and fulfillment specialists who prepare files for lenders — the people who turn a broker's approval into a funded deal. Train the whole desk to read files like an underwriter.
Be first to know when the Canadian Mortgage Underwriting Course opens — waitlist members get early access before the broader public. No spam, ever.
Watch your inbox — you'll get the final syllabus and your early-access invite before the course opens to everyone.
The full course is in production now. There's no public launch date yet — the waitlist is the first place we announce it, and waitlist members get early access before the broader public.
The planned curriculum covers broker-side Canadian underwriting end to end: how lender underwriters think, income documentation by employment type, GDS/TDS ratios, the OSFI B-20 stress test, document packages by deal type, lender fit and common decline reasons, and how AI-assisted underwriting fits a modern brokerage workflow. The final module list may evolve before launch.
Canadian mortgage professionals: new mortgage agents building their underwriting foundations, established brokers and teams who want files that pass the first time, and brokerage operations staff — fulfillment specialists and processors — who prepare files for lenders.
Yes. Everything is built around Canadian underwriting — OSFI Guideline B-20, GDS/TDS guidelines, CMHC/Sagen/Canada Guaranty insured rules, and the provincial regulatory landscape (FSRA, BCFSA, RECA, AMF) — not U.S. mortgage practice.
No. The waitlist is free and there's no commitment — you'll get launch updates and an early-access invite, nothing else.
Join the Canadian Mortgage Underwriting Course waitlist — early access, the final syllabus first, and launch updates. Nothing else.
Pre-launch · Free to join · No spam · Curriculum shown is planned and may evolve