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A dedicated fulfillment associate runs every file — document collection, lender submission, conditions, compliance — while marketing and AI keep your pipeline full. You stay the licensed advisor. We do the rest.
Trusted by mortgage professionals across Canada · Est. 2015
Illustrative example of a managed pipeline
Because every active file is an administrative project. Between the signed application and the funded deal sit dozens of touchpoints: chasing income documents and NOAs, packaging the submission, re-keying data into lender portals, tracking conditions, coordinating the appraisal and solicitor, and answering "any update?" calls — all while new leads wait.
Most solo brokers max out at a handful of active files before service slips. Past that point you either turn business away, let turnaround times blow out, or hire — and a good in-house processor is expensive, hard to find, and a risk if volume dips. That capacity math is the real ceiling on your income, and we break it a different way: a trained fulfillment team you don't have to employ.
Run your own numbers with our article on broker capacity math, or see what a fulfillment associate actually does all day.
Docs, portal entries, conditions, calls, and updates on a typical funded deal.
Incomplete packages go to the back of the lender's queue — clean files jump it.
Where most self-processing brokers hit the wall before service quality slips.
Time brokers typically redirect to clients and referral partners after handing off fulfillment.
Illustrative figures — every brokerage's numbers differ.
Everything administrative between "the client said yes" and "the deal funded." Your associate is trained on your lenders, your systems, and your submission standards — and works only on your files. You keep advising; they keep the file moving.
Income documents, NOAs, employment letters, down-payment confirmation, and gift letters — chased, verified against the lender's checklist, and packaged so the file is complete on first submission.
Files submitted through Filogix Expert, Velocity, Finmo, or direct lender portals — following your notes, your structure, and each lender's documentation quirks, prime through private.
Every commitment condition logged, chased, and cleared before the deadline — with escalation to you only when a condition genuinely needs the broker's judgment.
Appraisals ordered and followed up, instructions to the solicitor confirmed, default-insurance details reconciled — so closing day has no surprises.
Disclosures, consents, and supporting documents assembled to your brokerage's checklist and your provincial regulator's documentation standards — audit-ready, every file.
Proactive status updates at every milestone, so clients stop calling you to ask "any update?" — and remember the experience when their friends need a broker.
New to outsourced fulfillment? Start with What is mortgage fulfillment? and our free 27-point pre-submission checklist.
Fulfillment gives you capacity, marketing gives you demand, and Engage makes sure no lead or renewal slips through. Each works alone — together they compound.
Your deal desk. A dedicated associate processes every file — docs, submission, conditions, compliance, closing coordination — trained on your lenders and systems.
Content engineered to travel: rate explainers, renewal breakdowns, and first-time-buyer myth-busting that make you the broker people already trust before they call.
AI that answers every rate inquiry in minutes, books the discovery call, and works your renewal book with perfectly timed outreach — nights, weekends, always.
Engage opens the conversation with your past client before the bank's retention team does.
Your renewal-focused content answers the questions they're already Googling.
Most lenders' rate holds open — your associate packages the switch file early.
The file funds — and the post-close follow-up that earns the next referral begins.
A huge share of Canadian mortgages signed at pandemic-era rates comes up for renewal through 2026. Many of those homeowners will face a real payment change for the first time — which means, for once, they're motivated to shop instead of signing the bank's first offer letter.
Renewal volume is only an opportunity if you can absorb it. Brokers who win this wave need three things at once: outreach that reaches clients months before maturity, visibility when they start comparing options, and fulfillment capacity to process the surge without service falling apart. That's precisely the stack this page describes.
Roughly 80% less, once you count everything a full-time hire really costs. Here's an illustrative comparison for a Canadian brokerage adding one processing hire versus a Treadstone fulfillment associate.
Illustrative example only — actual costs depend on role, region, and volume. We'll map your real numbers on a free call. See also: the true cost of an in-house processing team.
Why the next renewal cycle is the biggest broker opportunity in years.
Free guidePackage files that clear underwriting on the first pass.
Free guideKnow which lenders are fast this month — before you submit.
Ask an ExpertAsk our team anything about fulfillment, marketing, or AI — free.
Ask nowYes. Your dedicated fulfillment associate works inside your existing stack — Filogix Expert, Velocity, Finmo, your CRM, and individual lender portals — following your submission standards. We adapt to your workflow rather than forcing you into ours.
You do. You remain the licensed broker or agent of record and make every recommendation. Your associate handles administration only: collecting documents, packaging files, tracking conditions, and keeping clients updated on status — never product advice.
Files are packaged to your brokerage's compliance checklist and your provincial regulator's documentation standards, with disclosures and consents tracked per file. Client data is handled under confidentiality agreements and Canadian privacy law (PIPEDA), inside your own systems.
Yes — that's exactly what the combination is built for. Engage works your renewal book with timed outreach and instant responses, marketing keeps you visible when clients start shopping their renewal, and your fulfillment associate gives you the file capacity to actually take the extra volume. Start with our renewal wave deep-dive.
Typically about 80% less than a full-time hire once you count salary, payroll taxes, benefits, software seats, recruiting, and management time. You pay one flat monthly fee with no employment overhead, and you can scale support up or down with your pipeline.
After a free consultation and an intake of your current process, we train your associate on your lenders, systems, and submission standards. Most brokers hand over their first live files within the first few weeks — usually starting with document collection and status updates before full deal fulfillment. Our file handoff playbook shows the exact sequence.
Yes. Associates are trained across prime, alternative, and private lending workflows — including the heavier documentation, condition, and communication load that B-side and private files typically carry.
Book a free call. We'll map your current file flow, show you exactly what a dedicated associate would take off your plate, and price it against your hiring alternative.
No obligation · 15 minutes · Canadian mortgage specialists