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Engage's AI underwriting lets Canadian mortgage brokers and agents underwrite applications in a fraction of the time and cost of hiring an in-house underwriter. You still review and approve every file — Engage just does the heavy lifting first.
Illustrative example — not a real client file.
More files are coming whether or not you have the people to review them. Hiring is slow. Files pile up. And every hour buried in document review is an hour you're not talking to clients.
Recruiting, training, and turnover eat months before a new underwriter is fully productive — and a fully-loaded hire runs well into six figures a year.
CMHC estimates roughly 1.15 million Canadian mortgages come up for renewal in 2026. Every one of those files needs review capacity you may not have yet.
Every hour spent chasing documents and re-checking ratios by hand is an hour you're not prospecting, closing, or growing your book.
What takes hours of manual review gets compressed into minutes, so files move faster from application to submission.
Get underwriting capacity without recruiting, onboarding, or carrying a full-time salary and benefits load.
Every file gets the same thorough pass, so fewer conditions and details slip through the cracks — file after file.
Aware of the Canadian lender landscape, GDS/TDS guidelines, and the OSFI B-20 stress test and qualifying rate — not U.S. mortgage rules.
Handle a busy month or a quiet one without recruiting, retraining, or worrying about turnover.
Engage does the heavy lifting — you review and approve every file. Nothing moves forward without you.
Here's the model, in the open. A fully-loaded Canadian mortgage underwriter runs an estimated $97,500 a year — median salary of roughly $75,000, plus an estimated 1.3× employer burden for benefits, payroll taxes, recruiting, training, and turnover. Spread across an assumed 240 files a year (about 20 a month), that's real money per file.
How we got these numbers: median Canadian mortgage-underwriter salary of ~$75,000 (Job Bank, Indeed, Talent.com listings) × an estimated 1.3× employer-burden multiplier = ~$97,500/yr fully loaded. Divided by an assumed 240 files/year (20/month) ≈ $400+ estimated cost per file. Time savings assume ~3 manual hours per file today, with AI removing an estimated 60% of that manual work (~2 hours saved per file). Estimates for illustration — your numbers depend on your volume and process.
Estimated annual cost of one in-house underwriter, salary plus employer burden.
At an assumed 240 files a year — before counting the hours returned to you.
Assuming ~3 manual hours per file today, with AI removing an estimated 60% of the grind.
At 20 files a month — nearly a full work-week returned to selling, every month.
Send in the application and supporting documents, the same way you gather them today.
Engage reviews the file like a seasoned underwriter — income, ratios, the stress test, and lender fit — all against a consistent checklist.
You get a clear underwriting result to check and approve — then move the file forward with confidence.
Built for Canadian mortgage brokers and agents — from solo producers to growing teams and brokerage owners scaling up ahead of the renewal wave. Lenders and in-house underwriting teams looking to add capacity without adding headcount will find it useful too.
Early access to Engage's AI underwriting is open now, ahead of a broader public rollout. Join the waitlist to get an early-access invite and launch updates — no spam, ever.
Watch your inbox — early-access invites go out in waves as we open up more spots across Canada.
AI mortgage underwriting is the use of artificial intelligence to review a mortgage application — income documents, ratios, the stress test, and lender fit — and produce a clear, checklist-based underwriting result for a broker to check and act on. It speeds up the manual review work a human underwriter does today; it does not replace your judgement on the file.
An in-house Canadian mortgage underwriter costs an estimated $97,500 per year fully loaded, based on a median salary of roughly $75,000 (per listings on Job Bank, Indeed, and Talent.com) plus an estimated 1.3× employer burden for benefits, payroll taxes, recruiting, training, and turnover. Spread across an estimated 240 files a year, that works out to roughly $400+ estimated cost per file — before accounting for the hours lost to manual review. These figures are estimates for illustration; your numbers depend on your volume and process.
No. Engage's AI underwriting does the heavy lifting on document review, ratio checks, and stress-test math, but you review and approve every file before it moves forward. It's built to remove hours of manual grind, not your final say.
Yes. Engage's AI underwriting is designed around Canadian deals — GDS/TDS ratio guidelines, the OSFI B-20 stress test and qualifying rate, and the Canadian lender landscape brokers work with every day — not U.S. mortgage rules.
Early access is open now through the waitlist above. Engage's AI underwriting is rolling out to the broader public soon — join the waitlist to be notified and get an early-access invite.
Join the Engage AI Underwriting waitlist for early access and be first to know when it opens to every Canadian broker.
Early access · No spam · You approve every file · Savings figures are estimates for illustration