Mortgage Tech Talks

E89: 3 New Mortgage Tech Startups

In this episode of Mortgage Tech Talks, we dive into three brand-new mortgage technology startups that recently hit the Canadian market. Each of these companies is tackling a different problem in the broker and consumer journey—from digital mortgage investing, to qualifying first-time homebuyers, to automating document management.
If you’re a broker curious about how tech could change your business—or an entrepreneur looking to build something new in this space—you’ll want to tune in.
⏱️ Timestamps
00:00 – The ROI of tech for Canadian brokers00:33 – Welcome and episode intro01:19 – Startup #1: Mercado (mortgage investing platform)03:42 – Industry leaders branching into new ventures04:25 – Startup #2: Homie (app for homebuyers and brokerages)06:36 – Features breakdown: buying power, down payment planning, rate alerts, and more08:41 – Homie as a brokerage lead qualification tool10:30 – Startup #3: PureLend (document management & compliance automation)12:33 – Key features: doc organization, fraud detection, borrower portals14:10 – Broker-focused pricing model and adoption challenges16:45 – Partnering with deal submission platforms: the growth unlock?18:58 – Final thoughts: why mortgage tech momentum is exciting right now
👉 If you enjoyed this episode, don’t forget to subscribe and hit the notification bell for more insights on mortgage tech, innovation, and the future of brokering.

E88: A real AI-powered mortgage check-in call

In this episode of Mortgage Tech Talks, we put AI to the test in a live phone call simulation. We set up an AI assistant to act as a mortgage broker’s team member, following up with a client, and then break down the results.
How natural was the conversation? What can mortgage brokers actually use this technology for today? And what are the risks and future implications as AI-powered calls become more common?
Tune in to hear the full call, my breakdown, and the opportunities—and challenges—AI phone calls present for the mortgage industry.
Timestamps:00:00 – Intro: Setting up the AI phone call01:05 – Why this experiment matters for mortgage brokers01:25 – Building the AI assistant (tools + setup)02:48 – How the AI call works (voice & prompt setup)03:45 – The call script and goals explained05:29 – Live AI phone call demo07:16 – Immediate takeaways from the conversation08:18 – What AI can do well (and what it can’t)09:21 – The importance of “specific knowledge” in brokering11:07 – Efficiency gains for brokers using AI assistants12:03 – Potential downsides: will calls get commoditized?13:31 – The future of communication (calls, texts, proof of humanity)17:12 – Blockchain, identity, and trust in calls18:29 – Social networks as the new trust system19:37 – Final thoughts + what’s next for brokers
If you’re a mortgage broker, lender, or financial professional looking to understand how AI will impact your business, this episode is for you.
👉 Don’t forget to like, subscribe, and comment below with your thoughts on AI-powered calls. Do you see this as the future—or a problem waiting to happen?

E87: AI Tools for Mortgage Brokers...Where Are They?

In this episode of Mortgage Tech Talks, we set out to uncover AI tools built specifically for mortgage brokers. But what started as a simple research mission turned into a much bigger realization: there aren’t really standalone AI tools just for brokers—and maybe that’s the point.
Instead, we explore how brokers are actually using tools like ChatGPT, Fathom, and voice AI dialers, and why the future of AI in the mortgage industry might be less about new standalone apps and more about embedding AI capabilities into existing platforms like Velocity and BluMortgage.
If you’ve ever wondered “What AI tools should I actually be paying attention to as a mortgage broker?”—this is the episode for you.
⏱️ Timestamps
0:00 – Why AI still needs context (it’s not end-to-end, it’s “middle-to-middle”)0:17 – How mortgage brokers actually fit into AI workflows0:33 – Why standalone “Mortgage AI” apps don’t make sense0:54 – Introduction to today’s episode1:20 – Looking for AI tools built specifically for mortgage brokers2:04 – The search: are there broker-only AI tools?3:00 – Google search results and first impressions4:07 – Testing ChatGPT for broker-specific AI recommendations5:22 – Four main categories of AI tools brokers are using6:01 – ChatGPT as a thought partner, not just a search engine6:36 – Note-taking AI tools like Fathom, Fireflies, and Otter7:15 – AI dialers and voice tools (Voiceflow, Blend)7:52 – OCR/document reading tools for income and docs8:18 – Why none of these tools are truly “broker-only”9:00 – Why ChatGPT is good enough to replace niche tools11:06 – How ChatGPT might eat up other use cases12:25 – Why AI growth may be slowing down (deceleration vs acceleration)14:10 – The limits of AI: still needs context and human oversight15:20 – The future: AI embedded in existing broker tools16:21 – Final conclusions and takeaways
👉 If you found this discussion valuable, don’t forget to like, subscribe, and drop a comment with your thoughts on AI in the mortgage space. Do you think we’ll see broker-specific AI tools, or will ChatGPT and existing platforms be enough?

E86: Industry Update- New Accolades, New Positions, and Big Acquisitions

In this episode of Mortgage Tech Talks, we dive deep into the latest developments shaping Canada’s mortgage, real estate, and business landscape. From how top influencers are dominating both social media and deal volume, to surprising leadership moves at Quest Mortgage, to Brookfield’s $2.9B acquisition of First National — we go beyond the headlines to explore what these changes really mean for mortgage professionals.
Whether you’re a broker, lender, or real estate pro, you’ll walk away with insights on market dynamics, influencer strategy, and the forces shaping Canada’s largest financial players.
Timestamps:00:00 – Shopify as Canada’s biggest non-quasi government company01:16 – Why we go deeper than the headlines in industry updates02:03 – Ron Butler named #1 mortgage & real estate voice in Canada03:28 – How influencer rankings work (and why they matter)05:24 – Discovering the top mortgage influencers in Canada06:20 – The “feast or famine” reality of mortgage social media success08:07 – Keys to building an influential presence: education & authenticity09:34 – Leadership move: Bucky Mendieta joins Quest Mortgage11:13 – The rise and pause of Quest Mortgage’s operations13:30 – Why Quest’s “pause” might be a strategic reset14:27 – First National’s $2.9B acquisition by Brookfield & Birch Hill16:17 – How government policy shifts impact private mortgage lenders17:06 – Is Canada’s business environment a cartel?18:52 – Shopify CEO on breaking through Canada’s corporate mold20:15 – Final thoughts & key takeaways
If you found this valuable, please share it with your colleagues and peers in the industry. It helps us grow the Mortgage Tech Talks community and continue delivering relevant, no-fluff insights.
#MortgageIndustry #CanadianRealEstate #MortgageBroker #RealEstateCanada #IndustryUpdate

E85: ChatGPT's Agent Mode- What Does it Mean for Brokers?

In this episode of Mortgage Tech Talks, we explore one of the most exciting new AI advancements — ChatGPT’s Agent Mode — and why it’s a potential game-changer for mortgage brokers, real estate professionals, and anyone in the housing industry.
You’ll see a live demo where Agent Mode goes beyond just answering questions — it literally opens a virtual desktop, clicks through RBC’s affordability calculator, uses Ratehub, researches home prices, and even starts booking appointments with mortgage brokers and real estate agents… all on its own.
We’ll break down:
What Agent Mode actually is
How it works (live example)
The opportunities and risks for mortgage brokers
Why human trust will always be irreplaceable
How to position yourself so AI chooses you in the future
Whether you’re tech-curious or already deep in AI tools, this is a must-watch to see where the industry is headed.
Timestamps:00:00 – Live demo: ChatGPT Agent Mode opening a virtual desktop00:17 – Navigating RBC’s affordability calculator00:33 – Using Ratehub to compare mortgage options00:49 – Episode intro & what to expect01:08 – Explaining Agent Mode & “AI agents”01:26 – Simulating a first-time homebuyer scenario02:14 – How Agent Mode bridges research and action03:03 – Example mortgage financing prompt setup03:20 – Asking AI to find homes & book appointments04:02 – How to enable Agent Mode in ChatGPT05:13 – Inputting financial details for a real example05:55 – Watching Agent Mode research in real time07:12 – Why this tech has the industry buzzing08:11 – Potential for AI-to-AI interaction08:51 – AI booking appointments with mortgage brokers & agents09:18 – Official ChatGPT breakdown of Agent Mode features10:17 – Future use cases & possibilities10:52 – AI filling out contact forms automatically12:12 – Affordability results & neighborhood suggestions13:04 – AI presenting real appointment slots from broker websites14:06 – Why human trust still matters in mortgage decisions15:38 – How client acquisition will change in the AI era17:21 – Final thoughts on adapting to AI-driven search

E84: Mortgage Industry Update – Summer's Not So Slow After All

MORTGAGE TECH INDUSTRY UPDATE – Summer's Not So Slow After All 🚨In this episode of Mortgage Tech Talks, we’re diving into the latest movements shaking up the Canadian mortgage technology space. From Pineapple Financial’s dramatic stock rebound to M3 Tech’s broker-first narrative and Pine’s continued success with a borrower-first approach — this one is full of insights and analysis you don’t want to miss.
We revisit past stories, assess how they’ve played out, and challenge some of the industry’s assumptions around whether building great tech is really enough to win in today’s market.
📌 Key Themes Covered:
Is "great tech" enough for brokerages?
M3’s broker-first claims – marketing or mission?
Pineapple’s stock surge – real growth or financial maneuvering?
Pine’s Properly tool vs. HouseSigma – feature-by-feature breakdown
Strategic bets: should platforms serve brokers, broker-owners, or borrowers?
⏱ Timestamps00:00 – The problem with relying only on great technology00:43 – Welcome to this week’s industry update01:20 – Why every story today is a follow-up with new data01:56 – M3 Tech's broker-first narrative under the microscope04:30 – Who are tech companies really building for? Brokers, borrowers, or broker-owners?06:06 – Is M3 Tech’s adoption data telling the full story?07:20 – Pineapple Financial surges 180%… but why?09:32 – The real reason behind Pineapple’s stock rebound10:43 – Great tech, weak results? A deeper look at Pineapple One12:06 – DLC vs. Pineapple: Same market, different outcomes13:19 – Did Pineapple build backwards?14:36 – Why tech can’t be the foundation of a brokerage15:03 – Pine’s borrower-first strategy and $1B in managed mortgages16:24 – Pine’s path in a collapsing digital mortgage space17:07 – Pine vs. HouseSigma: Which real estate tool is stronger?20:24 – Why Pine chose to focus on fewer features21:01 – Lessons in product design and platform adoption22:07 – Final thoughts – what this all means going forward
📣 If you’re in mortgage tech, you need to watch this.Don’t forget to like, comment, and subscribe so you never miss an update.
#mortgagetech #brokeragegrowth #canadianmortgage #fintechnews #mortgagebroker

E83: From Chaos to Clarity: How Entrepreneurs Can Finally Scale with Systems

In this episode of Mortgage Tech Talks, I sit down with Tyler Cameron, Founder & CEO of wrksourcing, to talk about the real path from chaos to clarity in entrepreneurship.
We break down:
Why being a visionary isn’t enough anymore
The difference between a VA and a true integrator
What brokers actually need to scale
How to adopt tech (without getting lost in the noise)
Why FOMO is hurting entrepreneurs more than helping
Whether you're a solo mortgage broker or leading a growing team, this episode will help you understand when it’s time to stop doing everything yourself — and how to bring on the right kind of help to grow without burnout.
👇 Skip to the parts that matter most:
Timestamps:
00:00 – Why Visionaries Need Integrators01:00 – Meet Tyler Cameron of wrksourcing02:00 – Tyler’s Entrepreneurial Journey04:00 – From Ad Agencies to Startups06:00 – Growing Up in a Family Business09:00 – What wrksourcing Really Does12:00 – Why “Virtual Assistant” Isn’t the Right Term15:00 – The Real Problem Founders Need Solved17:00 – What Makes a Great Entrepreneurial Client20:00 – Visionaries vs. Executors: EOS Explained23:00 – Why Process Comes First, Then People26:00 – Choosing the Right Tech Stack29:00 – Shiny Object Syndrome in Business30:00 – Clarity Beats More Tools33:00 – What AI Changed & Didn’t Change36:00 – Staying Curious Without Overwhelm38:00 – Networking, Masterminds & Real Connections40:00 – How to Connect with Tyler and wrksourcing
📌 Like this episode?Subscribe, leave a review, and share it with a fellow entrepreneur or mortgage professional. Word of mouth is everything.
📞 Connect with Tyler:Website: https://www.wrksourcing.com

E82: Why Most AI Tools Are a Distraction (And What to Do Instead)

How Mortgage Brokers Should Use Summer to Get Ahead (And Avoid AI Overwhelm)
In this solo episode of Mortgage Tech Talks, Tom Hall gets tactical on how mortgage brokers can use the slower summer months to reset, refocus, and retool. From confidently taking time off to building systems, cleaning up your business backend, and diving deep into AI (instead of chasing every new tool), this is the episode you didn’t know you needed.
If you’re feeling the pressure to “keep up” with AI or wondering how to finally take a guilt-free vacation, listen up.
👇 FULL EPISODE TIMESTAMPS BELOW:
⏱️ TIMESTAMPS00:00 – Why "going deep, not wide" with AI matters00:36 – Tom kicks off the solo summer episode01:13 – How to use summer intentionally as a mortgage broker02:03 – The first thing: Take time off (and actually take it off)04:00 – The power of a confident handoff when you're away05:06 – Why process comes before tech06:20 – Build your workflow BEFORE choosing tools or hiring07:13 – Real tech automation examples to save time08:39 – Task: Clean up your business (3 easy wins)10:04 – Why brokers must own their own domains and emails11:19 – Organizing client lists and files for long-term efficiency12:15 – Build one habit that sticks (and it’s NOT using AI)13:09 – The importance of self-contained habits14:19 – Let’s talk AI: go deep, not wide15:00 – Why most new AI tools might not be worth your time16:50 – The difference between using Google and using ChatGPT18:16 – Two deep resources to better understand how AI really works20:06 – Final thoughts: reduce anxiety by understanding the unknown21:19 – Recap: 3 things to do this summer as a mortgage broker
 

E81: 3 ChatGPT Prompts to Use As a Mortgage Broker in 2025

In this episode of Mortgage Tech Talks, I’m not just talking about AI... I’m showing you exactly how to use it. I walk you through three powerful ChatGPT prompts (plus a bonus fourth) that you can copy and paste today to actually grow your mortgage business.
Most people are still using AI the way they used Google — and that’s a huge mistake.I’ll show you how to get way better results by treating ChatGPT like a business partner, not just a search engine.
You’ll learn:
How to generate new business in a tough market using AI
The single most effective way to write ChatGPT prompts
How to use different GPT models depending on your goals
5 time-saving ways to automate your workflow as a mortgage broker
And how ChatGPT can help you structure complex deals like a pro
If you’re in the mortgage industry and want to save time, close more deals, and finally get value out of these tools — this episode is for you.
📍 Timestamps:
00:00 – Intro: Why this is the most tactical episode yet00:20 – Prompt 1: How to get new business fast using ChatGPT02:00 – What makes a great AI prompt (tone, constraints, specificity)06:00 – ChatGPT’s 6 strategies for mortgage brokers in a tough market08:40 – Prompt 2: How to plan for long-term success using the GPT-4 "thinking model"10:15 – What model you should actually be using in ChatGPT (and why it matters)12:00 – Prompt 3: AI prompts to save hours in your mortgage workflow14:00 – Deal structure brainstorm: ChatGPT as your second brain16:00 – Why the same prompt can get you completely different (but valuable) results17:00 – Final takeaways from the long-term planning prompt18:00 – Niches to explore: Renewals, debt consolidation, equity release19:00 – Recommended tools + skills to level up as a broker21:00 – BONUS Prompt: Let ChatGPT help you structure a deal in real time21:45 – Final recap + why the time to start using AI is right now
If this gave you some ideas, let me know in the comments — or just try one of the prompts I shared and see what happens.
Let’s stop talking about AI in theory… and actually start using it to grow our businesses.
– Tom
#MortgageBroker #MortgageTech #ChatGPT #AIforBusiness #GPT4 #MortgageMarketing #RealEstateTech

E80: The Mortgage CRM Godfather is All-In on AI with MCC's Rich Spence

In this episode of Mortgage Tech Talks, host Tom Hall sits down with Rich Spence, President of Mortgage Centre Canada (part of the DLCG network), for a powerful deep dive into the past, present, and future of mortgage tech.
Rich shares:
His origin story launching Nexxa, the first web-based CRM for brokers
The mindset and grind that helped scale to 7,000+ users
How DLCG and Velocity are future-proofing the mortgage industry
Why emotional intelligence is just as important as AI
And how consumer expectations are forcing innovation faster than ever
Whether you're a broker, lender, tech founder, or industry leader—this episode will challenge how you think about change, innovation, and what it really takes to stay relevant.
📍 Timestamps00:00 – The future belongs to brokers who text00:20 – The power of DLCG’s network and tech adoption01:00 – Meet today’s guest: Rich Spence02:00 – The untold origin story of Nexxa CRM05:00 – How they scaled to 7,000 mortgage brokers08:30 – Building software by hand—then hitting the phones10:00 – What brokers can learn from DLCG's growth14:00 – The evolution of Velocity and its rapid release cycle18:00 – Why persistence and iteration drive tech success21:00 – AI, cold calls, and the irreplaceable human touch25:00 – How brokers need to adapt to Gen Z and tech trends29:00 – What your clients expect (and how DLCG is building it)34:00 – Why the right partnerships matter in 2025 and beyond
🔗 Connect with Rich SpenceInstagram: @richspence3
LinkedIn: @richspence3
✅ If you enjoyed this episode, subscribe for more insights from top minds in mortgage and financial tech.💬 Leave a comment sharing your favourite insight or takeaway.
#MortgageTech #DLCG #RichSpence #VelocityCRM #MortgageBroker #AIInMortgages #BrokerInnovation #CRM #MortgageIndustry #TechForBrokers