For Canadian mortgage brokers
Stop chasing documents.
Send each applicant one link. They send every document from their phone. Startly organises and checks each one, cites every figure to its page, and hands you a lender‑ready package.
Next, you confirm your work email with a code, then set up an authenticator app. No card.
How it works
One link out.
A lender‑ready package back.
Startly sits between your point-of-sale and the lender. The application stays where it is; the documents and the figures come to you checked.
- Step 1
Send one link
Open an application, pick the deal type and how the main applicant earns, and add each applicant’s email. Each gets their own link, with your brokerage’s name on it.
- Step 2
They send it from their phone
A six-digit code from their email, then a checklist that names every document. By default, reminders go out on days 2, 5 and 9, and they stop when everything is in.
- Step 3
Startly organises and checks it
Every upload is filed under its item. Startly reads the figures that matter, cites each to its page, and raises a Finding when documents don’t agree.
- Step 4
You hand off the package
One download: accepted documents named and numbered by applicant, the analysis report, a spreadsheet of the figures and your submission notes.
Every figure points to its page.
Box 14 of a T4, line 13500 of a T1, a deposit on page 2 of a statement. Open a citation and the page opens with the figure marked. Correct any figure with a reason, and the correction is recorded.
Startly’s analysis advises. You decide.
Startly’s figures · Sharma purchase
Check them before you rely on them.
- Employment income 2025 · Priya Sharma
- $84,250.50Page 1 of t4-2025.pdf
- Employment income 2024 · Priya Sharma
- $81,200.00Page 1 of t4-2024.pdf
- Business income 2025 · Dev Patel
- $72,950.00Page 3 of t1-2025.pdf
- Business income 2024 · Dev Patel
- $61,400.00Page 3 of t1-2024.pdf
1 Finding: large deposit
$25,000.00 e-transfer from R Sharma on Sep 16, 2026, chequing ••7001, p. 2. No source named yet.
Who it’s for
Built for the files that take longest.
Independent agents and small brokerages with complex applications. Each applicant gets the checklist for how they earn, and the co-applicant and guarantor get their own.
- Self-employed
Two years of returns, read for you
T1 Generals with the Statement of Business or Professional Activities, Notices of Assessment, business financial statements and 6 months of business bank statements.
Self-employed checklist - New to Canada
Status, income and history from home
A permanent resident card or work permit, an employment letter and pay stubs, and, where they have them, an international credit report and foreign bank statements.
New to Canada checklist - Rental investors
Every property, accounted for
T1 Generals with the Statement of Real Estate Rentals (T776), and a lease, a mortgage statement and a property tax bill for every property they own.
Rental investors checklist
Checklists
Every checklist, published in full.
See exactly what Startly asks an applicant for, item by item. Your brokerage can hide, reword or add items; your version stays private.
Browse every checklistIs 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 my clients need an account?
No. Each applicant opens their own link from your email or text and enters a six-digit code we email them. There is no password to forget and nothing to install.
Does Startly replace Finmo, Velocity or my point-of-sale?
No. Startly sits beside your point-of-sale and handles the documents: asking for them, checking them and reading the figures. When the file is ready you download one Package and submit it the way you do today.
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?
Any lender. Startly collects and checks the documents; you choose where the file goes. The built-in checklists follow what Canadian lenders commonly ask for, and your brokerage can hide, reword or add items.
Early access
Request early access.
We’re opening Startly to Ontario brokerages a few at a time. Early-access partners get their first 3 months free, with no card until they end.
Next, you confirm your work email with a code, then set up an authenticator app. No card.
Plans start at $49 a month, CAD, after the free months. See pricing