Canadians Want Broker's Help With Mortgage Processes

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Mortgage brokers are in demand in Canada because consumers want help navigating the increasingly difficult landscape, reported Canadian Mortgage Professional in July.

In the January 2025 Annual Survey of Consumers by Mortgage Professionals Canada (MPC), targeting 2,000 Canadians in all regions, two-thirds of respondents said they were at least somewhat likely to use a mortgage broker for their next mortgage, an increase over prior years. Of those who used a mortgage broker previously, 81% said they would work with one again.

"These findings confirm what brokers across the country are seeing every day: Consumers are under pressure, and they need expert, transparent advice to find a way forward," MPC President and Chief Executive Officer Lauren van den Berg said.

One concern for borrowers is mortgage renewals; 21% expressed having high anxiety, a nine or 10 out of 10, about their renewal, especially the likelihood of higher monthly payments. This year alone, about 1.2 million mortgages will come due for renewal, and in 2026, another 1 million, the Canada Mortgage and Housing Corp. (CMHC) noted in its Residential Mortgage Industry Report Spring 2025. About 60% of all mortgages in Canada are due to renew this year or next, reported the Bank of Canada in a July article.

Because many of these mortgages were secured during a period of low interest rates of under 2% and today's rates are around 4% or 5%, renewal rates for many homeowners will increase their monthly payments by 30–40%, CMHC estimated. According to the bank, the average monthly mortgage payment could be 10% higher for those renewing in 2025 and 6% higher for those renewing in 2026, compared to December 2024 payments.

For respondents without a home, 64% indicated they are anxious about interest rates due to inflation, an increase over the prior year.

Consumers also are wary of mortgage fraud; 85% of respondents said they believe the problem is serious enough to warrant stronger security measures, the MPC survey noted. This is another reason for the uptick in consumers wanting to work with a broker.

The survey showed that respondents were happier with mortgage brokers than with banks on four metrics: initial service, ongoing service, overall experience, and mortgage rate.

Frank Mortgage

This private mortgage brokerage headquartered in Ontario, Canada, offers an easily accessible, open and transparent digital platform that allows consumers to research, explore and apply for mortgages online, according to its website. As well, mortgage brokers are available to provide borrowers assistance with home purchases, refinances and switches. Since 2021, this no-fee firm has been helping Canadians secure competitive mortgage rates quickly and efficiently.

In an exclusive discussion with Streetwise Reports, Founder and CEO Don Scott said, "With the digital natives that are the homebuyers of today and tomorrow, digital-first solutions are in demand. Delivering what these customers want will win the day, and they want first-class service, as all customers do, but they also are demanding transparency and product choice that can only be delivered in an unbiased digital environment."

Earlier this year, Frank Mortgage partnered with Hyyve Inc. to provide homeowners and home sellers on the online Canadian real estate platform, Hyvve.ca, a seamless, streamlined, all-in-one experience, noted a news release.

Frank Mortgage's mortgage solutions were incorporated into Hyyve's home services marketplace so homeowners may connect with top real estate agents, secure financing, and access essential services well before listing their home. Frank Mortgage benefits by gaining early access to homeowners and, as such, may provide them presale mortgage consultations, approvals, and financial planning well before they enter the market.

"This early engagement allows us to offer tailored mortgage solutions far ahead of the traditional real estate timeline, empowering sellers to transition seamlessly into buyers," Hyyve Chief Executive Officer Patrick Armstrong said in the release.

In U.S., Nonbank Lenders Gain in Popularity

In the U.S., nonbank lenders which already account for more than 30% of the U.S. mortgage market, are capturing an increasing amount of market share, reported AInvest on Aug. 5. These lenders, "unburdened by legacy systems and regulatory constraints," are well-positioned to capitalize on artificial intelligence (AI) to streamline document processing, underwriting and customer engagement. Their operational costs are 30% lower than banks', a benefit passed on to borrowers.

Some nonbank lenders provide a combination of digital and human services, the latter helping to allay skepticism about AI. More borrowers prefer these hybrid models over fully digital experiences, according to a 2025 industry report, AInvest noted. Also, satisfaction with hybrid customer service is higher than satisfaction with bank customer service.

"As the mortgage industry evolves, the winners will be those who can scale efficiently while delivering exceptional customer experiences," AInvest wrote.

Beeline Holdings

One such nonbank, digital mortgage lender serving the U.S. is Beeline Holdings Inc. (BLNE:NASDAQ), headquartered in Rhode Island. This company delivers a faster, easier, simpler and more transparent path to procuring home loans, for primary residences or investment properties, via its proprietary AI-driven platform combining data, mortgage, title and quality control tools.

In recent news, Beeline invested an additional US$225,000 in MagicBlocks, of which it owns 47.6%. MagicBlocks powers website AI sales agents, including Beeline's own AI mortgage and customer service chatbot Bob, that responds to queries and provides quotes around the clock. Bob's conversion of chats to leads is six times that of humans, and Bob garnered $162,500 of revenue in Q2/25 during the limited time in which he was being beta tested.

Advancing its own proprietary AI infrastructure, Beeline rolled out BlinkQC in its final version in July. This AI-powered quality control tool, offered on a software-as-a-service basis, automates preclosing audits for lenders and assures compliance with regulators' strict industry standards.

Ladenburg Thalmann Analyst Greg Mattson initiated coverage on Beeline last month with a Buy rating, as noted in his July 16 research report. His target price implies 219% upside from BLNE's August 21 closing share price.

Mattson highlighted Beeline's AI-powered platforms and its unique cash-out equity offering, a product that lets homeowners sell equity stakes to investors rather than relying on traditional debt instruments. The analyst projected that Beeline's revenue will increase to US$36M in 2026 from US$12.3M this year due to stronger originations, new software product launches, and the cash-out equity offering. He expects the company to turn profitable next year.

*On August 25, John Newell of John Newell & Associates gave Beeline a Speculative Buy rating, with an initial price target of US$2.20. Newell wrote, "For speculative investors, the setup is attractive: improving fundamentals, supportive management, a tightening share structure, and a technical chart pointing toward higher levels. At the current closing price, Beeline, US$1.48, merits a Speculative Buy recommendation."

According to Refinitiv, six strategic entities own 12.14% of Beeline. Seventeen institutions have 2.18%. Retail investors hold the rest. The top shareholder is Beeline Chief Executive Officer Nicholas Liuzza with 10.74%.

The company has 19.61 million (19.61M) outstanding shares and 17.23M free float traded shares. Its market cap is US$27.65 million. Its 52-week range is US$0.62–US$29.80 per share.

Significant Growth Ahead in Both Markets

Significant growth is forecasted for the digital mortgage software market in both Canada and the U.S. between this year and 2033, research shows.  

In Canada, during the forecast period, the market is predicted to see a 9.2% compound annual growth rate (CAGR), which would more than double the market's size to CA$3.2 billion (CA$3.2B) from CA$1.5B, according to a July 2025 Market Size and Trends report. Increasing adoption in real estate and finance will drive growth primarily. Needs for automation, integration of AI, and real-time data analytics are driving the evolution of digital mortgage solutions as they provide more effective, more timely, and more accurate interactions by both borrowers and lenders. Additional advancements in AI, machine learning, and cloud computing are expected to enhance software capabilities further in terms of speed, accuracy, and user focus.

The report also noted that "the market is expected to benefit from expanding government initiatives promoting digital transformation and financial inclusion, which encourage lenders and borrowers to transition towards digital mortgage platforms."

A 13.57% CAGR is predicted for the U.S. market, which would more than double its size to US$19.4B from US$9.04B, according to Market Research Intellect's August 2025 report. Factors fueling this predicted rapid growth include technological advancements, rising adoption of digital solutions in the real estate industry, and evolving consumer preferences for streamlined and efficient mortgage-related processes.

Financial institutions and fintech companies are expected to invest heavily in innovative platforms that will meet the demands for online mortgage applications, automated underwriting procedures, and improved data security.