Know the client
Guided intake captures the story behind the application, not just the data required to submit it.
— Ontario-first · purpose-built for the mortgage journey
Every mortgage recommendation
deserves a connected process.
Suitivia is being developed to help mortgage professionals connect client needs, mortgage analysis, suitability and professional review—so the recommendation has a clear story behind it.
Controlled development Private demonstrations with fictional files · Live client use not yet approved.
GOOD AFTERNOON
Your files, clearly in view.
12Active files
3Ready for review
2Action needed
● Purchase · Primary residenceAPPLICATION REVIEW
Fictional file #2408
Intake
Application
Underwriting
Commitment
Suitability
Disclosure
Funding
Audit
Client intake reviewedComplete ✓
Application detailsReview
The missing layer
Your tools move the file.
Suitivia connects the thinking.
Mortgage professionals already use systems to collect documents, submit applications, and communicate with lenders. Suitivia is being designed to support the client understanding, analysis and professional judgment behind a well-supported recommendation.
Support the recommendation
Structured review connects client needs, product features, lender rationale and suitability in one workflow.
Strengthen oversight
Clear responsibilities and organized review evidence help brokerage leaders support consistent professional practice.
— Help shape Suitivia
Confidential Mortgage Brokerage Owner Survey
We’re asking mortgage brokerage owners and leaders what is working, what takes too much time, and where better tools or processes would help.
5–7 minutes · Responses treated confidentially · Optional beta interest does not create a commitment
Take the Confidential Mortgage Brokerage Owner Survey ↗This is not a compliance review. Please do not provide client names, transaction details, or other personal information.Questions? admin@suitivia.com
Inside Suitivia
One connected record
across the mortgage file.
Current development brings these areas together for private demonstration and product testing. Capabilities remain in development; availability will depend on testing and the approved scope.
01In development
Client-friendly intake
Clear questions, helpful explanations and space for future plans help clients share the circumstances behind their application.
02In development
Application review
Bring income, liabilities, property details and client priorities into view, with missing or conflicting information highlighted for professional review.
03In development
Mortgage calculations
Understand debt-service ratios and compare payment, rate and amortization scenarios, with the relevant inputs and lender requirements in view.
04In development
Lender Intelligence Centre
Organize reviewed lender and product information with its source and date, supporting informed research and professional judgment.
05In development
Commitments & communication
Review approval terms and conditions, and prepare client communications that the agent can check and edit before choosing to send.
06In development
Suitability & exit planning
Explain the recommendation, alternatives and risks, including plans for leaving alternative, MIC or private financing when relevant.
07In development
Team & brokerage support
Support agent teams, mentorship and brokerage supervision with clear responsibilities and access appropriate to each person’s role.
08In development
File confidence
Keep the rationale, disclosures and review evidence organized so important decisions can be understood and revisited when circumstances change.
— Designed to complement, not replace
Keep the systems that move the mortgage.
Suitivia does not replace the systems used for origination, lender submission, document management, or client communication. It organizes the professional reasoning, client confirmations, accountability, and evidence that surround those systems.
No automatic approvals or declines.Suitivia supports analysis; it does not approve or decline a borrower or make an unreviewed underwriting decision.
No silent lender routing.Lender strategy and the recommendation remain with the licensed professional.
No compliance guarantee.The brokerage remains responsible for its obligations, policies, supervision, and judgment.
— One connected journey
From first conversation
to final file audit.
The design considers the whole client relationship, from the first intake through purchase, refinancing or renewal, with room to revisit the recommendation when important circumstances change.
Learn about product testing →01Client understandingGuided intake & confirmation
02Application reviewDetails checked before underwriting
03RecommendationLender strategy & suitability rationale
04Client confirmationClear summary, disclosure & signing
05CompletionAn organized record for file review
Ontario foundation
A suitable recommendation
must be demonstrable.
Mortgage brokering is regulated provincially. Canadian regulators have established common principles for mortgage product suitability through the Mortgage Broker Regulators’ Council of Canada (MBRCC), while each jurisdiction applies its own laws, rules, and guidance.
Suitivia’s initial development focus is Ontario’s MBLAA framework and FSRA guidance. Federal requirements, provincial requirements, brokerage policies, lender requirements and industry best practices are distinct considerations. Future availability elsewhere will require a separate review of the applicable jurisdiction.
Know your client
Understand the client’s unique needs, circumstances, objectives and financial capacity.
Know your product
Understand and explain the features and risks of reasonably available mortgage products.
Assess the options
Connect the client’s circumstances to suitable product options and recommendations.
Explain the rationale
Clearly communicate why an option is being presented and obtain appropriate client acknowledgement.
Provide oversight
Use reasonable brokerage processes for accountability, supervision and review.
Document the assessment
Retain the recommendation, supporting rationale and evidence that required oversight occurred.
— From requirement to evidence
A clearer record of the advice.
Suitivia is designed to help licensed professionals and brokerages build a connected record of the work performed. It supports the process; it does not replace professional judgment or guarantee regulatory compliance.
1CaptureGuided client discovery records needs, circumstances, priorities and confirmations.
2DocumentStructured reasoning connects client facts, assessed options, product features, risks and the recommendation.
3ReviewProfessional review and clear responsibility support appropriate brokerage supervision.
4AuditAn organized record helps the brokerage understand the advice and review the completed file.
Provincial requirements differ and continue to evolve. Each brokerage remains responsible for confirming and applying the laws, regulations, guidance and record-retention requirements in every jurisdiction where it operates.
Built for the whole brokerage
Professional judgment,
supported at every level.
Suitivia is being designed for brokerages of different sizes and the agent teams within them, with support suited to the professional’s experience, authorized role and the needs of the client.
— The brokerage benefit
A stronger process without a one-size-fits-all experience.
Connect the work already taking place across the brokerage so leaders can support consistency, professionals can work with greater clarity and clients receive a recommendation with a clear story behind it.
Consistency that scales
Create a shared file standard without forcing every professional or every mortgage through the same level of review.
Less rework
Identify missing information, discrepancies and incomplete reasoning earlier—before they become last-minute problems.
Stronger supervision evidence
Keep the advice, supporting rationale and professional review organized for later file review.
Role-based collaboration
Give licensed underwriters and authorized administrators—whether licensed or unlicensed—role-appropriate access to support assigned work, while keeping licensed activities and professional responsibility clearly separated.
Benefits by role
The right support for the professional and the file.
Ease of use is a priority: clear next steps, relevant information and explanations when needed. The aim is to support experienced professionals efficiently while making guidance accessible to those who need it.
Keep ownership. Reduce repetition.
Streamlined routine files and exception-focused review help experienced professionals work efficiently. Their judgment and client relationships stay intact, with specialist support available when a file becomes complex.
Build confidence through the work.
Plain-language guidance and access to experienced support help professionals build sound habits, identify missing information and approach unfamiliar files with greater clarity.
Contribute with clear boundaries.
Support assigned file preparation, analysis and documentation within the person’s authorized role. Licensed advice and professional responsibility remain clearly identified.
More clarity on complex files.
Bring client intake, application facts, liabilities, product options, conditions and suitability reasoning into one connected record—making complex analysis easier to organize, explain and revisit.
Consistency within the team.
Support training, collaboration and complex-file review for teams operating within a brokerage. Team support complements the brokerage’s own supervision and compliance responsibilities.
See the work and its rationale.
Support supervision and file review with an organized account of the advice provided and the professional review completed, with attention focused where it is needed.
Transparent, risk-based oversight.
Team-level support and brokerage supervision serve different purposes. The design keeps professional responsibility clear while helping people collaborate within their authorized roles.
✓ Consistent file workflows✓ Earlier issue identification✓ Team support and mentorship✓ Role-appropriate access✓ Lender and product intelligence✓ Complaint and audit readiness
Built from practice
Designed from inside
the mortgage journey.
Suitivia is being developed from more than two decades of frontline Canadian mortgage brokerage and compliance experience.
Its purpose is practical: help professionals and brokerage leaders connect the work they already perform into a clearer, more consistent and demonstrable process—without replacing professional judgment.
— Shape what comes next
Help shape practical product testing.
Initial product testing is being prepared in an Ontario brokerage setting. The focus is ease of use, adoption, workflow fit and the value the product brings to real brokerage work, ahead of a broader pilot.
- Fictional or synthetic files during current testing
- Feedback from agents, teams and brokerage leaders
- Privacy, security and readiness review before live client use
- Participation and permitted use agreed in advance
Questions
What brokerages
usually want to know.
Does Suitivia replace our existing brokerage systems?
No. Suitivia is designed to work alongside the systems used for applications, lender submission, documents, and client communication. It connects the professional reasoning, confirmations, oversight, and evidence that surround those activities.
Does Suitivia select the lender or make the suitability decision?
No. Suitivia is assistive technology. The licensed mortgage professional remains responsible for verification, underwriting judgment, lender strategy, suitability, recommendations, disclosures and overall file direction.
Who is Suitivia being built for?
Mortgage brokerages of different sizes, agent teams within those brokerages, and the professionals who support their files. The design considers experienced, newer and lower-volume agents, Team Leads, underwriters, assistants, Principal Brokers and compliance teams.
Is Suitivia available across Canada?
Ontario is the initial focus. Availability in another province will depend on that jurisdiction’s requirements and a separate readiness review.
Can beta participants use live client files?
Not during the fictional testing phase. Live client information will be permitted only after privacy, security, legal, and production controls receive separate approval and the participant is expressly authorized.
Does Suitivia guarantee regulatory compliance?
No. It is designed to support a more consistent, demonstrable process. Each brokerage remains responsible for its own legal and regulatory obligations, supervision, policies, and professional judgment.
Will experienced brokers face more oversight on every file?
The aim is to make routine work efficient and provide additional support when needed. Each brokerage will determine its supervision requirements, taking account of the professional’s role and the needs of the file.
Are mortgage-platform or lender integrations live?
No live mortgage-platform or lender API integrations are being offered in the current demonstration. Future connections depend on provider authorization, technical review and the necessary agreements.
Is VIA available?
VIA is planned assistance within Suitivia and is disabled in the current demonstration. It is not currently answering questions, recommending products or monitoring live lender information. Licensed professionals remain responsible for advice and decisions.
What is being tested now?
Development and private demonstrations use fictional or synthetic files. Initial product testing is being prepared to assess ease of use, workflow fit, adoption, team roles and supervision before a broader pilot. General availability and live client use have not been approved.
Responsible development
Trust must be designed into the system.
Review Suitivia’s current development status, privacy approach, beta limitations, website terms and accessibility commitment.
Visit the Trust Centre →