Mortgage Renewal Automation Software for Canada

The math is brutal. The average Canadian mortgage broker funds a great file in 2026, gets paid their commission, and then watches that exact same client renew with their bank in 2031 — because the bank sent a one-page renewal letter at the 90-day mark and the broker sent nothing. Industry retention numbers sit around 45–55% for brokers who don't run a renewal system. Top brokers running automation push that to 80–90%. The difference is real money.

Run it on a typical $500K mortgage with $2,000 of broker compensation at renewal. Take a 50-file book. The gap between 50% retention and 85% retention is 17 extra files renewed, or $34,000+ in commissions per renewal cycle. Multiply by your team size and you'll see why the highest-producing brokerages in Canada treat renewal automation as the most important CRM feature, not a nice-to-have.

Broki's renewal engine runs automatically from the day a deal funds. Here's the exact sequence we ship out of the box, fully editable, with every email branded to your brokerage.

1. Day 0 (funding): Welcome + 5-year retention promise email. Add the client to the renewal pipeline. Set the 60-month countdown.
2. Year 1 anniversary: 'How's the mortgage treating you?' email with a rate-watch invite.
3. Year 2 anniversary: Property value check-in. Offer a free updated assessment using current Bank of Canada rate context.
4. Year 3 anniversary: Refinance scenarios — would early-renewal pencil out at today's rates?
5. Year 4 anniversary: 12-month renewal preview. Set expectations, share the rate outlook.
6. Day -120 (renewal window opens): 'Your renewal is coming. Here's what to do next.' email with one-click scenario request.
7. Day -90: Rate snapshot vs the client's current contract. Shows the dollar impact in plain English.
8. Day -60: Lender outreach kicks off. Broker is alerted to call the client. Scenario is staged in the client portal.
9. Day -30: Final renewal offer presented in the client portal with e-sign ready.
10. Day 0 (renewal date): Re-funded, commission tracked, retention loop restarts for the next 5 years.

Every step fires from the funding date automatically. The broker only intervenes at day -60 — and even then the client has already been warmed up five times.

• Brokerage branding (logo, colours, signature).
• Personalised rate context pulled from current Bank of Canada and lender data.
• One-click reply that books a meeting on the broker's calendar.
• Client portal link with the live scenario, document vault, and offer comparison.
• Realtor partner CC on key touchpoints (year 2, year 4, renewal window) so they stay in the loop.

Connect your Velocity or Finmo account so funded deals flow into Broki automatically. Pick the email template style that matches your brand. Upload your logo. Done — every deal that funds from this moment on enters the renewal engine. Existing book? Import a CSV and the system back-fills the renewal countdown for every client.