Simple Pricing for Growth
Starter
Best for new brokers getting started.
$79
/mo.
One-Time Setup Fee Waived ($99 value)
Up to 250 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Growth
Most popular
Best for expanding portfolios.
$119
/mo.
One-Time Setup Fee Waived ($99 value)
Up to 750 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Pro
Best for established brokers.
$200
/mo.
One-Time Setup Fee Waived ($99 value)
Up to 2,000 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Starter
Best for new brokers getting started.
$99
/mo.
+ One-Time Setup $99.00
Up to 250 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Starter
Best for new brokers getting started.
$149
/mo.
+ One-Time Setup $99.00
Up to 750 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Starter
Best for new brokers getting started.
$249
/mo.
+ One-Time Setup $99.00
Up to 2000 clients
Client import
Account setup
Complimentary 1-hour Strategic Coaching Session
Enterprise
We provide scalable pricing models and volume discounts for all our enterprise customers.
*POS API integration is available at the subscriber’s cost and billed separately.
Frequently Asked Questions
Who is Pathfinder built for?
Pathfinder is built specifically for mortgage brokers who want to generate more funded files from their existing client database, renewals, and partner relationships — without relying solely on new originations.
You’re welcome to include Pathfinder in your open-source endeavors!
For further information, please check our licensing details.
What problem does Pathfinder solve for brokers?
Most brokers only reconnect with clients close to renewal and miss mid-term and renewal-based opportunities that could improve a client’s financial position.
Pathfinder provides a structured way to identify and act on these opportunities — consistently and at scale.
How does Pathfinder help with mortgage renewals?
Pathfinder supports mortgage renewals by guiding brokers through AI SmartTactics — a structured series of broker-led questions asked at renewal to uncover strategies that may place the client in a stronger financial position.
These questions help assess the client’s current mortgage, equity position, penalty exposure, and upcoming life or financial changes, allowing brokers to identify better renewal strategies, not just secure a new rate.
What are AI SmartTactics?
AI SmartTactics are renewal-focused, broker-led question frameworks built into Pathfinder. They help brokers ask the right questions at the right time during the renewal process to uncover opportunities that may otherwise go unnoticed. AI SmartTactics help brokers determine:
- Whether a better renewal strategy exists, not just a better rate
- What options could improve the client’s financial position (payment comfort, equity access, flexibility, long-term planning)
- How to position the renewal conversation around outcomes and strategy
AI SmartTactics do not replace broker advice or automate decisions — they enhance broker judgment and help brokers compete with automated bank renewal systems through higher-value conversations.
How is Pathfinder different from a CRM or POS system?
CRMs store contact information. POS systems help originate loans. Pathfinder focuses on what happens after funding — managing mortgages through renewal and beyond by identifying opportunities tied to timing, equity, and strategy.
Does Pathfinder help identify refinance opportunities mid-term?
Yes. While Pathfinder is heavily focused on renewals, it also helps identify mid-term refinance and restructuring opportunities when they make sense for the client — not just when rates change.
What is PenaltyAware and why does it matter at renewal?
Every lender calculates penalties differently, and penalties can significantly impact renewal and refinance decisions. PenaltyAware helps brokers understand penalty exposure at renewal so strategies can be evaluated accurately — avoiding surprises and identifying true savings opportunities.
What is ValuePulse?
ValuePulse tracks property appreciation and equity growth over time, helping brokers identify renewal and refinance strategies that leverage equity in a thoughtful, client-focused way.
What is FilterIQ?
FilterIQ allows brokers to sort and prioritize their client database based on renewal timing and opportunity, helping them focus their efforts where strategy and conversion potential are highest.
Does Pathfinder integrate with my existing tools?
Yes. Pathfinder is designed to integrate with existing CRMs and POS systems, allowing brokers to layer proactive mortgage management on top of their current workflow.
How does Pathfinder help increase revenue?
Pathfinder helps brokers:
- Increase funding from existing clients
- Identify more renewal-based strategies
- Improve renewal conversion rates
- Strengthen partner relationships through consistent, value-driven engagement
All without increasing lead acquisition costs.
Is Pathfinder only for large brokerages?
No. Pathfinder is designed for solo brokers, teams, and growing brokerages that want a scalable way to manage renewals and long-term client relationships more strategically.
Does Pathfinder replace the broker’s role?
No. Pathfinder supports the broker’s role by providing structure, visibility, and timing. Brokers remain in control of the advice, recommendations, and client conversations.
Is Pathfinder a rate comparison tool?
No. Pathfinder is a mortgage management and renewal strategy platform. It focuses on helping brokers determine when a renewal should be reviewed and what strategy may be best for the client, not just what today’s rate is.
What kind of brokers benefit most from Pathfinder?
Brokers who:
- Want to win more renewals
- Focus on long-term client relationships
- Believe renewals should be strategic conversations, not transactional rate switches
- Are shifting from origination-only to ongoing mortgage management
What does the client receive once their mortgage is being managed?
When a client’s mortgage is managed through Pathfinder, they receive ongoing, proactive oversight — not just a transaction at renewal.
Clients receive:
- Automated monthly mortgage reports, including estimated savings insights and property value updates based on provincial sales data
- Automated renewal reminders at 10, 6, and 3 months, prompting early review
- A guided renewal needs analysis to capture changes in goals, income, or plans
- Broker-led renewal strategies delivered through AI SmartTactics once the analysis is complete
- Ongoing broker monitoring and advocacy, ensuring opportunities aren’t missed over the life of the mortgage
What clients do not receive
- No automated advice without broker involvement
- No guaranteed savings, rates, or approvals
- No obligation to change lenders or products
All decisions remain broker-led and client-approved.
Why this matters
Clients gain visibility, early renewal planning, and confidence that their mortgage is being actively managed — not ignored until maturity.
What will the broker receive?
Brokers using Pathfinder receive ongoing insights and guidance to help them stay proactive as market conditions change. Brokers receive:
- A bi-weekly Pathfinder newsletter highlighting emerging opportunities as rates, penalties, and market conditions adjust
- Insights into renewal and refinance trends across broker portfolios
- Practical reminders and education to help brokers prioritize outreach and conversations
- Updates designed to support timely, opportunity-driven client engagement, not reactive follow-ups
Why this matters
Instead of constantly monitoring rate changes and penalty shifts manually, brokers stay informed through curated insights — helping them act at the right time with the right clients.