Mortgage Tech Talks

In this episode, we break down a McKinsey report on how global organizations are adopting AI—and what it means for mortgage brokers right now. From marketing and sales to compliance and service operations, we explore where AI is already transforming financial services and how you can leverage it to futureproof your business. You’ll also hear about Rob Macalister’s take on “vibe coding” and why AI may soon make developing your own tools as common as using email. If you’ve ever wondered whether AI will replace jobs or actually create more opportunities, this episode gives you a clear look at both the risks and the upside. Timestamps 00:00 – Why mortgage brokers need to develop new skills 00:40 – Introduction and overview of the McKinsey AI report 01:26 – Who McKinsey is and why their data matters 02:36 – Breaking down the first chart: AI use in financial services 05:11 – What brokers actually do (sales, service, legal, marketing, IT) 07:06 – How to start using AI in day-to-day broker activities 08:38 – Report data: hiring challenges in AI-related roles 11:17 – Why this matters for mortgage brokers (Rob Macalister’s article) 13:52 – How AI unlocks opportunities for brokers to build tech 15:35 – The job loss question: what the survey really shows 18:28 – Which roles and functions will actually grow with AI 20:27 – Where brokers should focus to futureproof their careers 21:17 – Final thoughts and call to action Listen if you’re a mortgage broker who wants to: Understand how AI is reshaping the industry Learn which skills will be critical in the next 3 years See how to apply big-picture trends directly to your business 👉 Don’t forget to like, comment, and subscribe for more insights on mortgage technology and the future of the industry. #MortgageBroker #AI #MortgageTech #RealEstate #FutureOfWork

AI Clones for Mortgage Brokers? How This Tech Could Change the Industry In this episode of Mortgage Tech Talks, we dive into a futuristic—but very real—idea: AI clones. Imagine a digital version of you that clients can interact with online, ask questions, and even hear your voice respond back. We’ll cover what AI clones are, how they work, and how mortgage brokers and financial advisors can use them today for lead generation, nurturing, and building client trust. This isn’t sci-fi. People in the Canadian financial space are already using this technology. ⏱ Timestamps 00:00 – Intro: What’s an AI clone? 00:23 – Why mortgage brokers should care 01:04 – How the idea came about 01:22 – What an AI clone actually is 01:58 – Example: Delphi AI and how it works 03:11 – Real-world example with Balaji (ex-CTO of Coinbase) 04:12 – How suggested questions work for clients 05:11 – Exploring blockchain Q&A with an AI clone 06:20 – Voice cloning: live phone calls with AI 07:22 – Using an AI clone for lead generation 08:29 – Training your AI clone with content 08:48 – Business applications for mortgage brokers 09:57 – AI clones as nurturing tools 11:04 – Privacy, compliance, and risk considerations 12:27 – Who’s already using this in Canada 13:45 – Addressing the “Will AI replace me?” question 15:24 – Where human expertise always wins 16:13 – The legacy and future of AI clones 16:38 – Final thoughts and wrap-up 👉 If you’re a mortgage broker, financial advisor, or just curious about how AI is reshaping client relationships, this episode is packed with insights you can’t ignore. 🎧 Listen to Mortgage Tech Talks on YouTube or wherever you get your podcasts.

In this episode of Mortgage Tech Talks, I dive into one of the most common questions I hear at conferences and panels: “Should mortgage brokers be worried about client privacy when using AI tools like ChatGPT?” Instead of giving the usual surface-level answer, I take a contrarian approach and unpack why many of the fears around AI privacy are more about perception than legal reality. From comparing ChatGPT to Gmail, to breaking down Canadian compliance laws, this 15-minute rant is all about challenging the myths that keep brokers from adopting powerful technology. Whether you agree or disagree, this episode will push your thinking and hopefully unlock new opportunities for how you use tech in your business. Timestamps 00:00 – Privacy concerns as a crutch for avoiding tech adoption 00:37 – Why this rant started: the Canadian Mortgage Summit panel 02:13 – The big audience question: “Should I be concerned about privacy?” 03:37 – Compliance realities in a regulated industry 05:06 – What I would have answered differently 06:00 – Comparing ChatGPT risk vs Gmail risk 08:03 – Separating legal compliance vs industry comfort 10:08 – Why practical risk feels higher with AI tools 11:27 – Do Canadian laws really require data to stay in Canada? 13:00 – The myth of “data must stay in Canada” explained 14:18 – AI as just another tool: it’s how you use it 15:29 – My closing thoughts: stop using privacy concerns as an excuse 👉 If you found this useful, subscribe to Mortgage Tech Talks for more unfiltered conversations on mortgage technology, compliance, and growth.

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 brokers 00:33 – Welcome and episode intro 01:19 – Startup #1: Mercado (mortgage investing platform) 03:42 – Industry leaders branching into new ventures 04:25 – Startup #2: Homie (app for homebuyers and brokerages) 06:36 – Features breakdown: buying power, down payment planning, rate alerts, and more 08:41 – Homie as a brokerage lead qualification tool 10:30 – Startup #3: PureLend (document management & compliance automation) 12:33 – Key features: doc organization, fraud detection, borrower portals 14:10 – Broker-focused pricing model and adoption challenges 16:45 – 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.

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 call 01:05 – Why this experiment matters for mortgage brokers 01:25 – Building the AI assistant (tools + setup) 02:48 – How the AI call works (voice & prompt setup) 03:45 – The call script and goals explained 05:29 – Live AI phone call demo 07:16 – Immediate takeaways from the conversation 08:18 – What AI can do well (and what it can’t) 09:21 – The importance of “specific knowledge” in brokering 11:07 – Efficiency gains for brokers using AI assistants 12:03 – Potential downsides: will calls get commoditized? 13:31 – The future of communication (calls, texts, proof of humanity) 17:12 – Blockchain, identity, and trust in calls 18:29 – Social networks as the new trust system 19:37 – 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?

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 workflows 0:33 – Why standalone “Mortgage AI” apps don’t make sense 0:54 – Introduction to today’s episode 1:20 – Looking for AI tools built specifically for mortgage brokers 2:04 – The search: are there broker-only AI tools? 3:00 – Google search results and first impressions 4:07 – Testing ChatGPT for broker-specific AI recommendations 5:22 – Four main categories of AI tools brokers are using 6:01 – ChatGPT as a thought partner, not just a search engine 6:36 – Note-taking AI tools like Fathom, Fireflies, and Otter 7:15 – AI dialers and voice tools (Voiceflow, Blend) 7:52 – OCR/document reading tools for income and docs 8:18 – Why none of these tools are truly “broker-only” 9:00 – Why ChatGPT is good enough to replace niche tools 11:06 – How ChatGPT might eat up other use cases 12:25 – Why AI growth may be slowing down (deceleration vs acceleration) 14:10 – The limits of AI: still needs context and human oversight 15:20 – The future: AI embedded in existing broker tools 16:21 – 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?

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 company 01:16 – Why we go deeper than the headlines in industry updates 02:03 – Ron Butler named #1 mortgage & real estate voice in Canada 03:28 – How influencer rankings work (and why they matter) 05:24 – Discovering the top mortgage influencers in Canada 06:20 – The “feast or famine” reality of mortgage social media success 08:07 – Keys to building an influential presence: education & authenticity 09:34 – Leadership move: Bucky Mendieta joins Quest Mortgage 11:13 – The rise and pause of Quest Mortgage’s operations 13:30 – Why Quest’s “pause” might be a strategic reset 14:27 – First National’s $2.9B acquisition by Brookfield & Birch Hill 16:17 – How government policy shifts impact private mortgage lenders 17:06 – Is Canada’s business environment a cartel? 18:52 – Shopify CEO on breaking through Canada’s corporate mold 20:15 – 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

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 desktop 00:17 – Navigating RBC’s affordability calculator 00:33 – Using Ratehub to compare mortgage options 00:49 – Episode intro & what to expect 01:08 – Explaining Agent Mode & “AI agents” 01:26 – Simulating a first-time homebuyer scenario 02:14 – How Agent Mode bridges research and action 03:03 – Example mortgage financing prompt setup 03:20 – Asking AI to find homes & book appointments 04:02 – How to enable Agent Mode in ChatGPT 05:13 – Inputting financial details for a real example 05:55 – Watching Agent Mode research in real time 07:12 – Why this tech has the industry buzzing 08:11 – Potential for AI-to-AI interaction 08:51 – AI booking appointments with mortgage brokers & agents 09:18 – Official ChatGPT breakdown of Agent Mode features 10:17 – Future use cases & possibilities 10:52 – AI filling out contact forms automatically 12:12 – Affordability results & neighborhood suggestions 13:04 – AI presenting real appointment slots from broker websites 14:06 – Why human trust still matters in mortgage decisions 15:38 – How client acquisition will change in the AI era 17:21 – Final thoughts on adapting to AI-driven search

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? ⏱ Timestamps 00:00 – The problem with relying only on great technology 00:43 – Welcome to this week’s industry update 01:20 – Why every story today is a follow-up with new data 01:56 – M3 Tech's broker-first narrative under the microscope 04:30 – 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 rebound 10:43 – Great tech, weak results? A deeper look at Pineapple One 12:06 – DLC vs. Pineapple: Same market, different outcomes 13:19 – Did Pineapple build backwards? 14:36 – Why tech can’t be the foundation of a brokerage 15:03 – Pine’s borrower-first strategy and $1B in managed mortgages 16:24 – Pine’s path in a collapsing digital mortgage space 17:07 – Pine vs. HouseSigma: Which real estate tool is stronger? 20:24 – Why Pine chose to focus on fewer features 21:01 – Lessons in product design and platform adoption 22:07 – 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

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 Integrators 01:00 – Meet Tyler Cameron of wrksourcing 02:00 – Tyler’s Entrepreneurial Journey 04:00 – From Ad Agencies to Startups 06:00 – Growing Up in a Family Business 09:00 – What wrksourcing Really Does 12:00 – Why “Virtual Assistant” Isn’t the Right Term 15:00 – The Real Problem Founders Need Solved 17:00 – What Makes a Great Entrepreneurial Client 20:00 – Visionaries vs. Executors: EOS Explained 23:00 – Why Process Comes First, Then People 26:00 – Choosing the Right Tech Stack 29:00 – Shiny Object Syndrome in Business 30:00 – Clarity Beats More Tools 33:00 – What AI Changed & Didn’t Change 36:00 – Staying Curious Without Overwhelm 38:00 – Networking, Masterminds & Real Connections 40:00 – 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

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: ⏱️ TIMESTAMPS 00:00 – Why "going deep, not wide" with AI matters 00:36 – Tom kicks off the solo summer episode 01:13 – How to use summer intentionally as a mortgage broker 02:03 – The first thing: Take time off (and actually take it off) 04:00 – The power of a confident handoff when you're away 05:06 – Why process comes before tech 06:20 – Build your workflow BEFORE choosing tools or hiring 07:13 – Real tech automation examples to save time 08:39 – Task: Clean up your business (3 easy wins) 10:04 – Why brokers must own their own domains and emails 11:19 – Organizing client lists and files for long-term efficiency 12:15 – Build one habit that sticks (and it’s NOT using AI) 13:09 – The importance of self-contained habits 14:19 – Let’s talk AI: go deep, not wide 15:00 – Why most new AI tools might not be worth your time 16:50 – The difference between using Google and using ChatGPT 18:16 – Two deep resources to better understand how AI really works 20:06 – Final thoughts: reduce anxiety by understanding the unknown 21:19 – Recap: 3 things to do this summer as a mortgage broker  

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 yet 00:20 – Prompt 1: How to get new business fast using ChatGPT 02:00 – What makes a great AI prompt (tone, constraints, specificity) 06:00 – ChatGPT’s 6 strategies for mortgage brokers in a tough market 08:40 – 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 workflow 14:00 – Deal structure brainstorm: ChatGPT as your second brain 16:00 – Why the same prompt can get you completely different (but valuable) results 17:00 – Final takeaways from the long-term planning prompt 18:00 – Niches to explore: Renewals, debt consolidation, equity release 19:00 – Recommended tools + skills to level up as a broker 21:00 – BONUS Prompt: Let ChatGPT help you structure a deal in real time 21:45 – 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

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. 📍 Timestamps 00:00 – The future belongs to brokers who text 00:20 – The power of DLCG’s network and tech adoption 01:00 – Meet today’s guest: Rich Spence 02:00 – The untold origin story of Nexxa CRM 05:00 – How they scaled to 7,000 mortgage brokers 08:30 – Building software by hand—then hitting the phones 10:00 – What brokers can learn from DLCG's growth 14:00 – The evolution of Velocity and its rapid release cycle 18:00 – Why persistence and iteration drive tech success 21:00 – AI, cold calls, and the irreplaceable human touch 25:00 – How brokers need to adapt to Gen Z and tech trends 29:00 – What your clients expect (and how DLCG is building it) 34:00 – Why the right partnerships matter in 2025 and beyond 🔗 Connect with Rich Spence Instagram: @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

In this episode of Mortgage Tech Talks, Tom sits down with Karen Wilson — founder of Broker Complete and VP of Training & Operations at DLC Elite Team — to unpack what truly drives success in today’s mortgage industry: trust, accountability, community, and process efficiency. Karen shares her journey from running a successful fitness business to becoming a leader in the mortgage world, drawing powerful lessons about relationship-building, creating accountability structures, and optimizing your business for long-term growth. If you’re a broker looking to strengthen your client relationships, scale your business, and implement more effective systems — this conversation is packed with practical insights. 👉 Follow Karen on Instagram: https://www.instagram.com/brokercomplete/ Timestamps: 00:00 – Why trust is the most valuable currency in today’s mortgage industry 01:11 – Welcome and intro: Who is Karen Wilson? 02:45 – Karen’s background in the fitness industry and transferable skills 05:19 – Rebranding from fitness to finance: The learning curve 08:06 – How accountability groups helped Karen scale her mortgage business 09:13 – Building an accountability call that delivers real industry value 11:30 – The "give, give, give, ask" principle for long-term relationship-building 14:36 – Why trust-building matters more than rates or speed 15:29 – Leveraging tech to scale personal connections 16:40 – Types of social media content that actually build trust 19:14 – Human, imperfect content vs polished posts 20:14 – Coaching agents to recognise when to seek help and training 22:00 – Mapping your client process from lead gen to post-close 25:28 – Customising your mortgage process to match your strengths 27:44 – Process first — then pick the right tech or team 29:18 – The wrong way to implement new tools — and how to avoid it 32:14 – Why free services often have low follow-through — and how accountability changes that 34:12 – Building a brokerage culture of high standards and high expectations 35:18 – The value of surrounding yourself with high achievers 37:05 – Recognising opportunities and relationships that move your business forward 39:22 – How to connect with Karen and learn more about Broker Complete and DLC Elite Team

In this episode of Mortgage Tech Talks, I’m pulling back the curtain on everything I’ve learned building BluMortgage—and what I’d do differently if I were starting from scratch today. I’m walking you through how I’d think about: → Building a simple, addictive product → Structuring a freemium model → Leveraging referrals over paid ads → Using AI (the right way) → And why simplicity always wins Whether you’re in mortgage tech or any kind of SaaS, this episode will give you a fresh framework to think about how to build and scale your next product. 👇 Full timestamps below — enjoy the episode and leave a comment if you’d take a different approach! Timestamps: 00:00 — Why AI should not be forced into your product 01:00 — If I launched a new mortgage tech company today 02:10 — The 3 key lessons from building BluMortgage 04:00 — What should your product actually offer? 06:00 — How to make your product simple and addictive 09:00 — Why onboarding should feel as seamless as Facebook or TikTok 11:00 — How to improve your product without feature bloat 12:30 — Why simplicity is harder than complexity 14:00 — How I’d market the product (freemium + referrals) 15:45 — How to drive viral referrals inside your app 16:50 — Why trade shows and in-person events still matter 17:45 — The right way to use AI inside your company 19:20 — Final thoughts + a challenge for you 👍 If you enjoyed this episode, hit Subscribe for more weekly insights from the world of mortgage tech and SaaS. #MortgageTech #SaaSBusiness #FinTech #BluMortgage #AIInBusiness

In this episode of Mortgage Tech Talks, Tom breaks down the biggest shifts happening in Canada's mortgage technology landscape — from major lender-platform disconnections to what AI could mean for the future of mortgage app development. We cover: Why top lenders are cutting ties with major tech platforms Real examples of platform incentives (like free trips) and their long-term strategy A powerful update from Ben Salami (Canadian Mortgage App) and why his coding approach is a game-changer The potential of AI tools like ChatGPT to empower non-coders to build game-changing tools If you're a mortgage professional, lender, tech builder, or just love staying ahead of the curve in this space—this one’s for you. 👇 Timestamps 00:00 – Can ChatGPT turn mortgage pros into coders? 00:44 – Welcome to the episode + key themes 04:25 – Platform economics: Why lenders are switching highways 05:34 – Exclusive partnerships: Not new, but more aggressive 06:12 – Could this fracture the marketplace model? 07:27 – Will brokers be forced into multiple portals? 08:04 – Industry-wide implications: are platforms losing value? 08:37 – M3 VIP trip strategy breakdown 09:26 – Platform incentives: the “free dry cleaning” analogy 10:47 – Boss, Uber, and network effects 12:01 – More users = more leverage with lenders 13:04 – Ben Salami’s new CMA feature release 13:58 – Scenario planning tools for mortgage brokers 14:40 – Comparing fixed vs. variable + lender options 15:34 – Why Ben's speed in building is his superpower 16:46 – Iteration cycles: 1 week vs 10 minutes 17:25 – How AI might democratize fast iterations 18:26 – Final thoughts + call to share 🔔 Don’t forget to like, comment, and subscribe for more weekly insights on mortgage tech, tools, and trends. #mortgagetechnology #mortgagebroker #canadianmortgage #mortgageplatforms

If your brokerage went under tomorrow—would your business survive? In this episode of Mortgage Tech Talks, Tom breaks down a powerful video from Ron Butler that’s making waves across the mortgage industry. From ownership of your domain and CRM to warning signs your brokerage might be in financial trouble, this episode is a wake-up call for brokers in Canada. Timestamps: 00:00 – Why every broker must own their domain, inbox, and CRM 01:21 – Welcome to Mortgage Tech Talks 01:42 – Ron Butler’s video breakdown: What happens if your brokerage collapses? 03:08 – The danger of relying on your brokerage for commission payments 05:23 – Signs your brokerage might be in financial trouble 06:07 – How to protect your business before it’s too late 06:43 – The tech barriers that keep brokers stuck 07:01 – 3 things your brokerage might control that you need to own 08:00 – Step-by-step: how to get your tech stack independent 10:02 – Mortgage payment surge projections 11:53 – Why inflation rising again could be a disaster 13:21 – Who are mortgage tech platforms really built for? 14:03 – The 4 audiences mortgage tech must serve 15:23 – The trade-offs platforms make to keep lenders happy 15:42 – Shoutout to Scarlett Jo Factory: Canadian Mortgage Award wins 16:19 – BluMortgage wins at the Mortgage Awards of Excellence 17:02 – What this award means for the BluMortgage team 17:39 – Final thoughts and viewer call-to-action 28:34 – BONUS: Recap of the tech ownership framework for brokers Whether you’re a new broker or a seasoned pro, this episode gives you practical advice to bulletproof your business—and insights on how the industry is evolving in real time. #mortgagebroker #mortgagetech #canadianmortgages #realestatecanada #mortgageadvice Let me know if you'd like a shorter version for Spotify or LinkedIn as well.

In this episode of Mortgage Tech Talks, Tom dives deep into one of the most practical AI tools available to mortgage brokers today: AI-powered note-taking bots. You’ll learn how tools like Fathom, Fireflies, and Otter are transforming how brokers run client meetings, track follow-ups, and stay compliant — all while saving time and improving client service. Tom breaks down the exact features that make these tools game-changers, how to integrate them with your CRM for max efficiency, and which platform fits your workflow best. If you're a mortgage broker, financial advisor, or service-based professional running multiple meetings per week — this tech is a no-brainer. 🔧 Want to automate your notes, track commitments, and improve compliance? Start here. 📍 TIMESTAMPS 00:00 – Why handwritten notes still matter — and how AI note-takers complement them 01:11 – What are AI meeting bots and how do they work? 02:00 – How AI agents join your Zoom, Google Meet, or Teams calls 03:20 – Full transcript + meeting summary explained 04:45 – Custom summaries using frameworks like BANT 06:45 – Creating post-call checklists from AI takeaways 08:10 – How AI bots assist with training and coaching new team members 09:30 – Turning meeting snippets into internal learning playlists 11:00 – Using AI transcripts inside your CRM for deeper client tracking 12:10 – Unlocking call analytics and sales insights 13:10 – Automating tasks from AI takeaways directly into your workflow 14:00 – Compliance benefits of full transcripts 15:14 – Tool breakdown: Fathom vs. Fireflies vs. Otter 17:00 – When to use each tool (Zoom meetings, mobile recordings, integrations) 19:11 – Final thoughts + why these tools may become essential in your tech stack ✅ Keywords: mortgage broker technology, AI note taker, Fathom vs Otter vs Fireflies, best note-taking app for mortgage brokers, CRM integration, meeting productivity tools, compliance tools for brokers, AI meeting summaries, automate meeting notes 🔔 Like what you heard? Subscribe to Mortgage Tech Talks and share this episode with one colleague who needs to hear it. Your referrals help us grow—one listener at a time. #mortgagebroker #aitechnology #productivitytools #fintech #mortgagetech

In this episode of Mortgage Tech Talks, we pull back the curtain on a multi-million dollar secret most mortgage brokers never think about: your deal submission platform isn’t really free—and the reason why explains almost everything happening in the mortgage tech world today. You’ll learn how lenders fund the systems you use, how that affects your brokerage’s software decisions, and what the future might look like in an AI-driven world. Whether you're a broker, lender, or tech enthusiast—this is the episode that connects all the dots. ⏱️ TIMESTAMPS: 0:00 – Smaller brokerages building their own tech “pipes” 0:48 – Welcome + Why this hidden dynamic explains everything 1:36 – The “free” software myth: Who’s really paying? 2:58 – Let’s talk numbers: $95M–$155M annually 4:07 – Breaking down the $315B broker channel 5:20 – How much Velocity earns from lender fees 6:09 – The per-broker revenue reality 7:52 – What platforms are making off your volume 8:36 – How Filogix built the original network and fee model 10:11 – “The house with pipes” analogy explained 12:09 – How Velocity and Finmo gained traction 13:10 – Did Filogix enable their competition? 14:03 – The honey pot is leaking—market share is shifting 15:02 – Why big networks are launching their own platforms 16:24 – New revenue streams and tighter software control 17:40 – Why platforms are stacking on free tools (CRM, payroll, AML) 19:24 – What happens if lenders stop paying the fees? 20:20 – The rise of AI agents and platform-free futures 21:36 – Why brokers need to own their process 22:26 – The risk of misaligned incentives 23:09 – Wrap-up: why this matters more than ever   #mortgagetech #mortgagebroker #fintech #mortgageindustry #mortgageautomation

In this episode of Mortgage Tech Talks, Tom dives into the future of Canadian housing—and shares a bold theory: government-built homes might just become a new asset class. He also breaks down the latest in mortgage tech innovation, including a deep review of Pineapple Plus, the all-in-one platform making waves in the broker space. Plus, he covers big leadership moves in the mortgage industry and what they could mean for tech adoption across brokerages. Whether you're a mortgage broker, industry insider, or just want to stay ahead of what's next in real estate, this episode is packed with insight. 📌 Timestamps: 00:00 – Will government-built homes become a new asset class? 01:09 – Intro & today’s episode overview 02:08 – Pineapple Plus platform: first impressions 04:05 – Key features: CRM, client applications, centralized underwriting 05:19 – Google Drive integration + seamless doc management 05:56 – The paradox of “all-in-one” mortgage systems 07:48 – Simplicity vs. complexity in mortgage software 08:07 – Industry update: Chris Turcotte moves from Centum to TMA 09:18 – Why better tech is influencing brokerage leadership 10:20 – The rise of Velocity and brokerage-led tech tools 11:04 – “Championship teams” vs. “family” in company culture 12:12 – New leadership at Centum: Adrian Schulz steps up 13:14 – Mortgage Monitor: tech tools that analyze your book 14:34 – Will Adrian's promotion help or slow tech innovation at Centum? 14:53 – Political lens: Liberal housing plan & market impact 16:13 – Why 500,000 government-built homes might shift the asset landscape 17:52 – How a new asset class could protect home equity + create opportunity 18:25 – Final thoughts: what it all means for mortgage professionals 19:16 – Closing remarks + comments welcome 💡 Like this episode? Subscribe and comment your thoughts on government-built housing or all-in-one tech platforms for brokers. Your feedback helps shape future discussions! #mortgagebroker #realestatecanada #mortgagetech #canadianhousing #mortgagepodcast #realestateinvesting #brokerlife