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Mortgage Brokers · Prices checked October 30, 2026

AI for mortgage brokers: what Velocity and Finmo don’t do

Your submission platform gets deals to lenders. But who answers the phone when a buyer calls at 8 p.m. about a pre-approval?

Quick answer: Velocity, Finmo, Filogix and Scarlett are excellent for applications, documents and lender submissions, but none answers your phone with AI. US tools such as Shape and Total Expert do, but are built for US lenders. AI Canadian Solutions answers calls and chats, books appointments and works alongside your submission platform.
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What matters for a mortgage broker

Speed wins mortgage leads. The broker who answers first, and books the call, usually gets the file.

Instant answer

Rate shoppers call several brokers. The first one to answer has the advantage.

Discovery calls booked

Book the 15-minute call while the buyer is still on the line.

Documents collected

Pay stubs, T4s and IDs gathered through a secure link, not email attachments.

Follow-up that never stops

Renewals and past clients are your cheapest new deals, if someone calls them.

Works with your platform

Keep Velocity, Finmo or Filogix for submissions. Add the front office around it.

Canadian data

Mortgage files hold income and identity documents. Ask where they live.

Mortgage Brokers: side-by-side comparison

Green means the company says it does this today. Orange means partly, or only through an add-on or another tool. Red means no. Grey means the company does not publish it.

CompanyAI answers callsBooks appointmentsDocument collectionCRM includedWebsite chatCanadian hosting stated
AI Canadian SolutionsFrom C$349/mo with AI phone (400 min)
24/7, your own AI agent
Live Google and Outlook availability
Secure portal with document requests
CRM, pipeline and inbox included
Included, 18 languages
Database in Toronto, files in AWS Canada
Velocity (Newton)Not published
No
No
Yes
VelocityCRM
No
Canadian company
FinmoNot published
No
Not published
Yes
Integrates with CRMs
No
Canadian company
Filogix ExpertNot published
No
Not published
Yes
Expert Pro
No
Not published
ShapeQuote only
AI calling bot; inbound unclear
Yes
Yes
Yes
Not published
Not published
Total ExpertQuote only
Outbound focus
Yes
Not published
Yes
Not published
No
BNTouchFrom US$165/user/mo
No
Not published
Not published
Yes
Not published
Not published
StructurelyFrom US$0.07/min
Yes
Yes
No
Integrates
Not published
Not published
GoHighLevelFrom US$97/mo
Yes
Yes
Forms
Yes
Yes
Not published
HubSpotPro from ~US$100/seat
Beta, support calls
Not yet
Not published
Yes
Yes
Canada data centre
Smith.aiAI from US$150/mo
Yes
Via Calendly, Acuity
No
Connects to yours
Separate product
Not published
My AI Front DeskFrom US$99/mo
Yes
Yes
No
Basic CRM
100 chats included
Not published

Based on each company's public website and pricing pages, checked October 30, 2026. Prices are in the currency each company publishes and can change; confirm them before you buy. Product names are trademarks of their owners. Spot something out of date? Tell us and we will fix it.

Company by company

Canadian submission platforms rarely publish prices. US tools list US dollars.

Velocity (Newton) Submission

Not publishedIncluded for many brokerages

Canada’s best-known broker platform for applications, documents and lender submission, with VelocityCRM messaging.

Watch for: No AI that answers calls or chats.

Finmo SubmissionAI verification

Not publishedAI verification free to Dec 31, 2026

Canadian submission platform with Smart Docs and Finmo AI for down payment and income verification.

Watch for: No phone or chat AI; submission-focused.

Filogix Expert Submission

Not publishedExpert Pro add-on

Finastra’s broker submission platform; Expert Pro adds automation and client messaging.

Watch for: No AI phone answering found.

Shape CRMAI

Quote onlyCalling billed separately

US mortgage CRM with a built-in cloud phone, customer portal and an AI calling bot on its Complete plan.

Watch for: Unclear if the AI answers inbound calls; Canada and Canadian platforms not mentioned.

Total Expert CRMAI

Quote onlyLender-focused

US lender CRM whose AI Sales Assistant calls leads by voice, qualifies them and books appointments.

Watch for: Built for US lenders and US rules; inbound answering not confirmed.

BNTouch CRM

From US$165/user/moPlus activation fee

US mortgage CRM with the MAIA AI assistant inside the CRM.

Watch for: MAIA does not answer calls; Canada not stated.

Structurely AI

From US$0.07/minPlus platform fee; bring your own carrier

AI voice, text and email assistant for real estate and mortgage leads, with inbound and outbound calls and live transfers.

Watch for: Not a CRM; plugs into yours; Canada not mentioned.

GoHighLevel CRMVoice AI

From US$97/moVoice AI billed per minute plus model costs

Marketing CRM popular with agencies. Its Voice AI answers calls 24/7, books appointments and transfers calls.

Watch for: Heavy setup, usually by an agency; you design industry intake yourself; Canadian hosting not stated.

HubSpot CRMBreeze AI

Pro from ~US$100/seatVoice billed in credits

Popular CRM with Breeze AI agents. Customer Agent Voice (beta) answers inbound support calls on Professional and Enterprise hubs.

Watch for: Voice is beta, support-only, and does not book meetings yet; onboarding fees on Pro.

Smith.ai AIHuman

AI from US$150/moFree plan 25 calls; humans from US$300/mo for 30 calls

Well-known US answering service with an AI receptionist and separate human receptionist plans. Billed per call. Books through Calendly and similar tools and connects to Clio, MyCase, Lawmatics and Zapier.

Watch for: Per-call billing with no minimum length; English and Spanish only; no CRM; no Canadian data hosting stated.

My AI Front Desk AI

From US$99/mo200 minutes, then US$0.25/min

Low-cost AI receptionist with booking, transfers, texting, a basic CRM and 20+ languages. Has industry pages for many niches.

Watch for: Generic setup; outbound capped at 20 calls a day; no conflict check; Canada not stated.

“We already use Velocity” (or Finmo)

Keep it. Submission platforms are built for lenders and compliance. They do not answer your phone, chat with website visitors or call your past clients. That is the gap AI Canadian Solutions fills.

Submission platform alone

  • Applications, documents and lender submission
  • No AI that answers your phone
  • No website chat or appointment booking by AI
  • Follow-up depends on you finding time

Add AI Canadian Solutions

  • Answers calls and website chats 24/7
  • Books discovery calls into your calendar
  • Collects documents through a secure portal
  • Runs consent-based AI call and text campaigns to past clients

Questions to ask before you sign

Ask every company these, including us.

  • Does it answer inbound calls, or only make outbound calls?
  • Can it book a discovery call into my calendar during the conversation?
  • Will it avoid giving rate quotes or advice it should not give?
  • Does it work alongside Velocity, Finmo or Filogix?
  • Is it built for Canadian brokers, or for US lenders?
  • Does outbound calling only reach people who have consented?

Frequently asked questions

Does Velocity or Finmo have an AI receptionist?
No. Based on their public sites, Velocity, Finmo and Filogix focus on applications, documents and lender submission. None answers phone calls with AI.
What is the best AI receptionist for a Canadian mortgage broker?
Look for one that answers calls 24/7, books appointments into your calendar, collects documents securely and is built for Canada. AI Canadian Solutions does these and works alongside your submission platform.
Can an AI call my past clients about renewals?
Yes, if they have agreed to be contacted. AI Canadian Solutions runs outbound AI call campaigns to opted-in contacts only, respects do-not-call requests and calling hours, and can book a meeting at the end of the call.
Is GoHighLevel good for mortgage brokers?
GoHighLevel has a capable AI voice agent and is popular with marketing agencies, but it takes significant setup and is not built for Canadian mortgage workflows. Many brokers hire an agency to run it.
Sources (checked October 30, 2026)
  1. https://newton.ca/
  2. https://lendesk.com/finmo
  3. https://www.filogix.com/brokers/
  4. https://setshape.com/pricing
  5. https://www.totalexpert.com/features/ai-sales-assistant
  6. https://bntouch.com/maia-ai/
  7. https://www.structurely.com/pricing
  8. https://www.gohighlevel.com/pricing
  9. https://knowledge.hubspot.com/calling/set-up-customer-agent-voice
  10. https://smith.ai/pricing/ai-receptionist
  11. https://www.myaifrontdesk.com/pricing

See a pre-approval call answered and booked

In 15 minutes we will call the AI as a first-time buyer, book a discovery call and show you the document request that goes out after.

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