The unglamorous half of brokering: files, deadlines, systems, payroll and the lending rules. This pillar separates what only a broker can do from what a brokerage should carry, and shows which side of the line A.I.M.I. Collective puts each piece.
A mortgage brokerage business has two halves. The originator: the client conversation, the lender choice, the submission and the relationship that renews and refers. And the infrastructure: compliance, file management, processing, payroll, technology, lender updates and the hard file that needs an underwriter. Most brokers do both halves themselves and wonder why the week runs out at fifty files. This pillar draws the line. The originator is you. The infrastructure is what a brokerage exists to carry, and what A.I.M.I. Collective carries at head office and the Deal Desk.
FINTRAC, CASL, BC disclosure and Ontario private disclosure.
Alberta renewal, Ontario continuing education, the BC Mortgage Services Act, and the compliance calendar.
Seven tools, not twenty, what a portal should do and choosing a CRM.
A, B and private tiers, MICs and the syndicated mortgage boundary.
File management, the pipeline, client communication, time management and administration.
The enquiry, the application, the funding call, the annual review and the referral ask.
Which lender fits, the submission notes and the conversation when a condition changes.
FINTRAC, CASL and provincial disclosure. You sign it, so you understand it.
Central review, licence deadline tracking, the audit trail.
Document support, in house payroll, statements and invoices in the portal.
Commercial, B and alternative files structured and placed while you stay the point of contact.
Compliance review, licence deadline tracking, processing and payroll are carried at head office. The broker portal is included at no cost. BrokerDam, a CRM built for Canadian brokers, is available at a member rate and is a choice, not a bundle. What stays with you is the knowledge: you still sign the disclosure, so you should still understand it.
Book a discovery call and we will walk through a file from submission to payroll and show you which parts you never touch.