Most recruiting pitches compete on one number. The number that matters is what lands in your account after everything else.
Written by A.I.M.I. Collective Mortgage Group, Brokerage editorial team
Published September 2026 · Last reviewed 11 September 2026
Brokerages are usually compared on the headline split, because it is the one figure everybody quotes. It is also the figure most easily made to look good by moving costs somewhere else. This is a framework for comparing offers on the same basis.
Ask each brokerage to model your actual last twelve months of volume through their structure, with every deduction shown. Two offers with the same headline split can differ by thousands once fees are included.
Lender status can sit with the brokerage rather than the individual. It determines your compensation on every file, so establish whether status travels with you or resets when you move.
Who owns the client relationship, who owns the data, and what you may take with you. This is a contract question, not a culture question, and the answer should be in writing.
Underwriting help on a difficult file, someone who answers the phone on a compliance question, and training that is scheduled rather than promised. Ask how it is delivered and how often.
Book a confidential call. We will walk you through compensation, lender access and support, with every fee in writing.
Put every offer on one page, use the same twelve months of your own volume for each, and date the comparison. Terms change. A number quoted in conversation six weeks ago is not a number you can rely on at signing.
Compare us on net, not on split, and ask for the full cost list in writing before you sign anywhere, including here. The broker portal, compliance review, marketing support and payroll processing are included. BrokerDam is a separate paid product at a member rate rather than a bundled CRM. Compensation is top tier and competitive, set against your volume, and we put the number in writing on the call rather than on a web page.
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Ten brand names, three parent companies. Who owns what in Canada's mortgage brokerage networks and how that changes the way you read a recruiting pitch.
A recruiting conversation tells you what a brokerage wants to say. Fifteen questions on splits, fees, status, support and exit terms tell you the rest.
What a commission split really means: finder's fees, volume bonuses, splits from 70/30 to 95/5, desk fees, royalties and why the net beats the headline.
Bring your last twelve months and we will model it honestly, including what comes off before you are paid.