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Mortgage360
Buyer's guide · updated August 2026

Best mortgage broker software in Canada (2026)

Most comparisons pit CRMs against each other. This one asks a different question: of the six layers a brokerage actually runs on, how many does each platform cover — and how many subscriptions are you still buying afterwards?

See Mortgage360Compare CRMs
Disclosure: we are in this comparison

Mortgage360 publishes this page and appears in the list below. That is a real bias. What we offer instead of false neutrality: the methodology is published in full, competitor strengths are stated genuinely, every entry carries trade-offs, and there are no affiliate links or paid placements. Re-weight the criteria for your situation and the order will change.

Methodology

How we scored

30%

Stack coverage

How many of the six layers — CRM, origination, calling, compliance, commissions, marketing — does the platform actually cover without another vendor?

20%

Canadian workflow

Filogix Exchange submission, GDS/TDS and B-20 math, provincial calculations, FINTRAC obligations.

20%

Brokerage operations

Commission calculation, agent oversight, compliance dashboards, recruiting and training.

15%

Agent adoption

Will agents actually use it? Oversight built on a system agents avoid produces confident reports about incomplete data.

10%

Total cost of the stack

Licences plus every adjacent tool you still need, over three years — not the headline per-seat price.

5%

Migration cost

What it takes to get a whole brokerage moved without losing a week of production.

The platforms, ranked

1

Mortgage360

Our product
Full-stack broker platform

Best for: Brokerages consolidating several subscriptions into one system

Strengths
  • Covers all six layers — CRM, origination, dialer, compliance, commissions, marketing
  • Power dialer and social publishing included rather than integrated
  • FINTRAC identity, retention and audit trail on the deal record
  • Commission splits, tiers and clawbacks calculated per deal
  • Same platform from a single agent to a multi-brokerage network
Trade-offs
  • Payroll for salaried staff and the website builder are roadmap, not shipped
  • Newer than the incumbents with a smaller Canadian installed base
  • Breadth is wasted if you only want one layer
See the product
2

Velocity

Broker platform (Newton Connectivity)

Best for: Brokerages whose priority is lender connectivity and submission volume

Strengths
  • Lender connectivity and submission workflow are a genuine strength
  • Large, established Canadian broker base
  • Familiar to many agents, which lowers adoption friction
  • Backing and support structure of a major industry player
Trade-offs
  • Retention and long-cycle follow-up are lighter than a dedicated CRM
  • Commission calculation typically needs another system
  • Calling and marketing are separate purchases
Full side-by-side
3

Scarlett Network

Canadian broker CRM

Best for: Brokerages inside networks where Scarlett is already the standard

Strengths
  • Purpose-built for the Canadian broker channel
  • Established with networks and larger brokerages
  • Covers CRM and workflow together
  • Native understanding of Canadian mortgage structures
Trade-offs
  • Adoption often driven by network relationship rather than fit
  • Calling and marketing generally still separate
  • Less configurable for an individual firm's process
Full side-by-side
4

Filogix BOSS

Broker workflow (Finastra)

Best for: Brokerages committed to staying inside the Filogix ecosystem

Strengths
  • Sits directly beside Filogix Exchange, the channel's submission rail
  • Deep incumbency and lender familiarity
  • Backed by a large enterprise software vendor
  • Least friction where Filogix is already the centre of the process
Trade-offs
  • CRM and marketing are secondary to the submission workflow
  • Interface and release cadence reflect enterprise software
  • Brokerage operations layers generally need other tools
Full side-by-side
5

Best-of-breed stack

Several specialist tools, integrated

Best for: Brokerages with strong operations staff and specific requirements per layer

Strengths
  • Each layer can be the genuinely best tool for that job
  • Swap one component without replacing everything
  • No compromise forced by one vendor's weakest module
  • Often how large, sophisticated brokerages actually operate
Trade-offs
  • Five to six subscriptions and the integration work between them
  • Data reconciliation across systems becomes somebody's ongoing job
  • Compliance evidence is assembled from several places at audit time
  • Total cost is usually higher than it looks on a per-tool basis

Questions buyers ask

Is one platform always better than several specialist tools?

No. A best-of-breed stack can genuinely outperform a single platform on any individual layer, and plenty of large brokerages run that way deliberately. The trade is integration and reconciliation work — which is affordable with operations staff and expensive without them.

What is the most commonly underestimated cost?

Reconciliation. When commissions live in one system, deals in another and compliance in a third, someone spends several days a month making the numbers agree. That labour rarely appears in a software comparison and often exceeds the licence difference.

How do we evaluate agent adoption before buying?

Run a pilot with the agents most likely to resist rather than the ones most likely to cooperate. A platform your enthusiasts like tells you nothing; oversight built on a system your median agent avoids produces confident reports about incomplete data.

How long does a brokerage migration take?

For a 40-agent firm, typically two to three weeks — and most of that is your team verifying data rather than the vendor moving it. Migrate agent by agent so nobody loses access to their book mid-changeover.

Keep reading

Best mortgage CRM

The CRM layer compared in depth.

Best brokerage software

The oversight layer specifically.

Mortgage360 for brokerages

Compliance, commissions and agent oversight.

How to choose

The questions worth asking on every demo.

Ready when you are

Count your subscriptions, then talk to us

Bring the list of what you pay for today. We will be honest about which ones we replace and which we do not.

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