One sells you the playbook. One is the system of record

My Broker Pro sells MBP Essentials as an all-in-one for Canadian mortgage brokers, and what distinguishes it is not a feature — it is that the software arrives with a process attached. Prebuilt workflows, marketing templates, social content and a coaching layer with regular open sessions.

For an agent in their first few years, that combination is worth more than a better pipeline view. The hardest part of the job at that stage is not tooling, it is not knowing what a good follow-up cadence looks like or what to post. A blank CRM does not help with either.

We do not compete on that and would not claim to. Mortgage360 ships with sensible defaults, but it assumes you have a process and want somewhere disciplined to run it. If what you actually need is someone to tell you what the process should be, that is a different purchase.

MBP is built around an agent's practice. The tell is what happens when a second and third person join: the questions become commission splits, who is accountable for whose compliance file, how payroll gets run, and whether every agent's licence and continuing-education hours are current.

None of that is a criticism of a product that never set out to do it — but a brokerage does have to solve it somewhere, and if the CRM does not, it becomes a spreadsheet, a payroll system, and a folder someone maintains by hand.

The specific thing we would flag is commission. Splits with tiers, qualification periods, brokerage fees coming off, and clawbacks when a deal discharges early are genuinely fiddly, and getting them wrong is one of the fastest ways to lose an agent. It is worth asking any vendor to show you a clawback being calculated rather than described.

The first is pricing. MBP does not publish a subscription price, so the comparison to our published $99 and $249 tiers cannot be made from public information. We would encourage you to ask for the number in writing early — it is a reasonable thing to want before a demo, not after.

The second is currency. MBP notes that subscription fees are billed in CAD while text messaging and AI tooling are billed in USD. That is common and not sinister, but it means part of your monthly cost moves with the exchange rate, and messaging-heavy usage is exactly the part that scales with your business.

Also worth pinning down: MBP describes automatic synchronisation with Finmo, and manual pipeline updates for Velocity, Scarlett and Filogix. If your deals go through Filogix, "manual update" and "two-way sync" are very different daily experiences and the distinction is easy to miss on a demo.

Choose MBP if you are an individual agent or a small team, you want marketing and social handled with templates rather than built from scratch, and you would genuinely use the coaching. The bundled-enablement model is a real advantage and it is priced as one product rather than four.

Choose Mortgage360 if you run a brokerage, need commission and payroll calculated rather than tracked, submit through Filogix and want a live two-way sync, or want to know exactly what you are paying in CAD before you book a call.