Bank of Canada rate swings and shifting economic conditions are actively rewriting the rules of Canadian mortgage demand. Hear directly from a leading bank economist to gain actionable insights on where rates, housing activity, and credit quality are actually heading. Walk away with the data-driven foresight you need to navigate the looming renewal crunch and confidently position your business to thrive.

As the mortgage market stabilizes and the renewal wave accelerates, prime lenders are refining how they assess broker-submitted deals. Approval standards, pricing strategies, and risk appetite are all shifting—and brokers who understand these changes are better positioned to win approvals and move deals faster.  This panel breaks down where prime lenders are leaning in, where they’re pulling back, and what it takes today to get deals approved.

• Where prime lenders are saying “yes” and where broker deals are most often getting declined

• How risk appetite, underwriting standards, and pricing strategies are shifting across prime lending

• How brokers can structure, package, and position deals to improve approval speed and outcomes

AI is transforming the mortgage industry — but where does it genuinely add value? This Tech Talk takes you inside an award-winning brokerage that has rebuilt itself around a team of AI agents spanning the entire mortgage lifecycle: lead management, document preparation, underwriting support, compliance, marketing, and renewals. No hype and no vendor pitch — just the real workflows they run today, where AI saves time, where human expertise stays essential, and how to implement it without compromising client service or compliance.

• See real AI workflows that streamline every stage of the mortgage process — from first contact to renewal
• Learn where AI delivers real efficiencies, and where human oversight and sign-off remain critical
• Discover how to implement AI without increasing compliance or operational risk
• Leave able to oversee your business instead of chasing status — with a practical first step you can act on Monday

Compliance isn’t theoretical—when AML, KYC, or disclosure processes break down, the impact is immediate and serious for clients, brokerages, and individual licenses. In this case-driven discussion, experienced brokers and a compliance expert unpack real-world situations where things went wrong, what was missed, and the practical changes that followed to prevent recurrence. 

•  See firsthand what triggers regulator and auditor scrutiny—and how to avoid it

• Translate rules into daily processes for ID, source of funds and file notes

• Identify today’s hardest-to-detect fraud risks and the practical red flags and verification steps that protect your license

• Show how strong compliance can differentiate brokerages and attract better talent

Alt/B lending is no longer a niche solution—it’s a core part of the mortgage landscape for clients with real-world complexity who still need access to the right financing. As this space matures, success is increasingly defined by how well brokers structure, package, and position deals from the outset. This panel explores what top alt brokers do differently to improve approvals, reduce friction, and build stronger long-term lender relationships. 

• Define common Alt/B borrower profiles and when alternative lending is the right fit
• Clarify documentation, income, and down payment expectations to improve underwriting efficiency
• Position Alt solutions as part of a broader, sustainable client strategy—not a last resort
• Share lender views on what makes an Alt file easy to approve and brokers preferred partners

AI can make mortgage professionals feel competent faster than it actually makes them competent. Drawing on REMIC's national survey of 1,910 Canadians, this session explores how many Canadians are already turning to AI for mortgage advice—and how few realize that advice is unregulated. It then focuses on the broker community, examining where AI-assisted work can quietly fail licensed professionals and the practical steps brokers can take to protect their files.

• Explore how many Canadians are already using AI for mortgage advice—and what it means for brokers

• Understand why confident AI answers are not always correct or compliant

• Identify where AI can fail, including grounding, jurisdiction, currency, and silent errors

• Learn four practical practices to help protect your files when using AI in your business

AI is increasingly automating simple mortgage tasks, especially for clean, straightforward files, shifting brokers toward higher-value advisory work focused on strategy, structuring, and complex client needs. This panel explores where AI is already changing deal flow, where it helps brokers work faster, and where human judgment remains essential for winning business.

• Hear practical, compliant AI use cases for lead management and client education

• Understand why more prime, simple files are moving through automated channels

• Identify where brokers remain essential in complex files and conversations

• Gain guidance on privacy, data handling, and selecting the right tools

As the mortgage landscape continues to evolve, brokers are navigating shifting borrower needs, changing lender appetites, competitive pressures, and new opportunities for growth. In this closing discussion, some of Canada's leading mortgage professionals share what they're seeing in the market today, how they're adapting their businesses, and where they believe the biggest opportunities lie in the months ahead 

• Examine the market trends, borrower behaviours, and lender priorities shaping broker strategies  

• Learn how leading brokers are adapting their businesses to drive growth and deepen client relationships 

• Explore emerging opportunities, competitive pressures, and industry developments expected in the year ahead 

In a lower-volume, more competitive mortgage environment, brokers are increasingly expected to do more than place deals—they’re acting as holistic financial advisors who consider the client’s full financial picture, not just the mortgage in isolation. This session explores how brokers can responsibly diversify revenue while deepening advisory value, strengthening client outcomes, and building more resilient businesses.

• Identify mortgage-aligned revenue streams that fit a broader financial advisory role

• Learn how to position add-on solutions within a full financial picture, ensuring recommendations are client-first and outcome-driven

• Understand how to integrate diversification into your advisory workflow to improve client value, business stability, and long-term enterprise worth

• How to leverage AI and technology to enhance, revenue, efficiency and client value

Behind every complex alternative lending file is a human story—a self-employed entrepreneur, a newcomer, or a client navigating a major life transition. While technical expertise and deal structuring matter, trust is often what defines the client experience. This conversation explores how lenders can empower brokers with flexible, human-centric solutions that lower client anxiety, remove the stigma of the "B space," and foster lifetime loyalty through transparent, full-picture advice.

• Explore how trust influences client decision-making and long-term loyalty in complex lending situations

• Discuss strategies for reducing anxiety and overcoming misconceptions about alternative lending solutions

• Examine how lenders can support brokers with flexible products, education, and client-focused approaches

Women are reshaping the Canadian mortgage finance industry — not just by taking on leadership roles, but by challenging traditional ways of working, building new businesses and creating opportunities for those coming behind them. This candid conversation brings together women leaders to explore the experiences, lessons and choices that have shaped their careers and are helping move the industry forward.  

• Discuss the pivotal moments, mentors and decisions that have shaped their careers. 

• Explore how women are redefining leadership and success in mortgage finance. 

• Examine what needs to change to create more opportunities for the next generation of women leaders. 

Going from a new broker to a $50 million+ book doesn’t happen by accident. This candid, practical session breaks down the strategies, habits and business decisions that drove one broker’s growth story from zero to $50 million+ in funded volume in just seven years — and what other brokers can learn from that journey. 

• The key moves and milestones that accelerated growth from the first deal to a $50M business. 

• How to build referral relationships, repeat business and a reputation that creates a sustainable pipeline. 

• The systems, technology, team structure and mindset needed to scale volume without sacrificing service or profitability.