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bips reads plain-English broker notes and instantly finds every lender who will approve the deal, with rates, calculations, and BDM contacts.

bips — Scenario Matching

Scenario

Type or speak your borrower scenario...

AI extracted — tap to edit

Purchase Price

$650,000

Down Payment

20% ($130k)

Annual Income

$120,000

Credit Score

740

Property Type

Single Family

Amortization

25 years

Matching 40+ lenders...

11 lenders matched

3.1s

LTV

80%

GDS

26.2%

TDS

31.8%

Stress Test

Pass

Approved

First National

Standard 5yr Fixed

$3,412/moBest fit4.89%

MCAP

Flex 5yr Fixed

$3,427/moGreat fit4.94%

Merix Financial

Advantage Plus 5yr

$3,442/moGood fit4.99%

Declined

Haventree Bank

Minimum credit score 750 (applicant: 740)

DUCA Credit Union

Purchase price $650k exceeds $600k program limit

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Works for purchases, refinances, HELOCs, and transfers

40+ Canadian lenders with real-time guideline updates

LTV, GDS, TDS, stress test. All calculated automatically.

Trusted by mortgage brokers across Canada

First NationalMCAPMerixRMGEquitable BankCMLS

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