For mortgage brokers
Stop chasing documents.
Start closing files.
Send a link by text or email. Your client verifies with the last 4 digits of their phone and uploads a complete checklist from their phone. Secure portal, automatic reminders, every file in one place.
No client accounts.Mobile-first.Built in Canada.
How it works
Three steps. Zero chasing.
The whole flow is built around the thing your client already has in their hand: a phone.
- 01
Send the link
Pick a checklist for the borrower type, enter your client's phone or email, and send. Branded with your name, not ours.
- 02
Client verifies & uploads
They tap the link, confirm the last 4 digits of their phone, and photograph or upload each document. No account, no password.
- 03
You review and submit
Every file lands in one place, labelled and converted to PDF. Reminders run until the checklist is complete, then stop.
Sound familiar?
Deals don't die at underwriting. They die waiting on page 4 of a T1.
Clients send one T1 page at a time, out of order, as photos in a text thread.
Every lender wants a slightly different two-year package and you re-request constantly.
Accountant-prepared statements arrive late and you find out at underwriting.
Startly was built for complex files first.See the self-employed checklist.
What you get
Everything the chase needs, nothing it doesn't.
Checklist templates per borrower type
Self-employed, first-time buyer, refinance, rental investor, new to Canada. Start from a real template and tweak per file.
SMS and email links with your name on them
Clients see your brokerage as the sender. One link opens the full checklist, from any phone.
Phone-number verification gate
Clients confirm the last 4 digits of their phone before they see anything. No shared passwords, no account setup.
Camera upload with automatic PDF
Photos of a T1 become a clean, ordered PDF. Multi-page documents stay together instead of arriving as twelve texts.
Reminders that stop when the file is complete
Gentle nudges by text and email on your schedule. They stop the moment the last item is uploaded.
Audit log for compliance
Who sent what, who uploaded what, and when. Export it per file for FSRA or lender review.
Built for complex files
A real checklist for every borrower type.
The same templates brokers use in the product, published so you can see exactly what Startly asks for.
11 items
self-employed borrowers
Two years of personal and business income history for sole proprietors and incorporated owners.
View checklist9 items
first-time home buyers
Employment income plus FHSA/RRSP Home Buyers' Plan documentation.
View checklist9 items
refinance clients
Current mortgage and property documents plus income verification.
View checklist9 items
rental property investors
Income verification for every owned property plus the subject property's rental income.
View checklist10 items
newcomers to Canada
Immigration status, foreign credit history and Canadian employment proof.
View checklistPricing
Simple plans. Early access gets 3 months free.
Prices in CAD, billed monthly. Every plan includes unlimited files and every checklist template.
Solo
For an independent agent who wants their evenings back.
$49/ month
- 1 agent
- Unlimited files
- All checklist templates
- SMS + email reminders
Team
For a small team that shares files and wants a consistent client experience.
$149/ month
- Up to 5 agents
- Branded client portal
- Shared templates
- Everything in Solo
Brokerage
For brokerages that need control, compliance and their own domain.
$399/ month
- Unlimited agents
- Custom domain
- Audit log export
- Everything in Team
Need the full comparison? See pricing details.
Is Startly PIPEDA compliant?
Startly is designed around PIPEDA's principles: we collect only what a mortgage file needs, store documents encrypted at rest in Cloudflare's network, scope every file to your brokerage, and delete files 90 days after a request is archived. We never sell data and never send documents as email or SMS attachments. See our Privacy page for the details.
Do clients need to create an account?
No. Your client taps the link you sent, confirms the last four digits of their phone number, and lands on their checklist. There is no password to forget and nothing to install.
Does Startly replace Finmo, Velocity or my POS?
No. Startly sits beside your point-of-sale and handles the collection step: chasing, verifying and organizing documents. Once the file is complete you download a clean package or forward it into the system you already use.
How does the SMS part work?
You send the link by text from inside Startly and reminders go out the same way. Clients reply STOP at any time to opt out, and reminders end automatically when the checklist is complete.
Which lenders does it work with?
All of them. Startly is lender-agnostic: it collects the documents, and you submit to whichever lender fits the file. Checklist templates follow common Canadian lender requirements, and you can add or remove items per request.
Early access
Join the waitlist. Get 3 months free.
We're onboarding Ontario brokers first. Tell us a little about your practice and we'll reach out when your spot opens.