TMS Pathfinder

Simple Pricing for Growth

Unlocking Value: Our Pricing Strategy for Sustainable 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

No. Pathfinder supports the broker’s role by providing structure, visibility, and timing. Brokers remain in control of the advice, recommendations, and client conversations.

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.

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

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
  • 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.

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.