Qualified Mortgage Leads for Canadian Brokers — Pay Per Lead
Most mortgage leads are a name, a phone number and a guess. These arrive with the borrower's own numbers already worked out — income, down payment, debts, GDS and TDS — so you can tell whether the file is worth a call before you make it.
What's in every lead
Each lead is a Canadian borrower who ran a real calculation on HomeCalc — affordability, qualifier, stress test, down payment, refinance or HELOC — and asked to be contacted. You receive:
- Their contact details, and which calculator they ran
- The figures they entered and the results they saw — not a summary of them
- GDS and TDS, calculated at the stress-test rate, against the 39% / 44% benchmarks
- Borrower type — first-time buyer, under or over 20% down, self-employed or hard-to-prove income, likely bank decline, refinance or private
- A qualification-risk flag when the ratios are over the limits or close to them — before you spend the call finding out
- A priority rating, with the reason it was rated that way
Leads from the guided journey carry more: income broken out per applicant with how each source was treated (salaried, self-employed, secondary, rental), credit-score band, residency status, and — when they don't qualify today — the specific route that would get them there.
Bought mortgage leads have a bad name. Here's the direct answer.
Brokers who have paid for leads before usually have the same four complaints. Rather than talk around them:
- “The same lead went to five brokers.”
- How many brokers a lead goes to is agreed in writing before a single lead is sent, and it doesn't change afterwards. If you want exclusivity in your area, that's a term you set at the start — ask for it and it's priced accordingly.
- “They never asked to be contacted.”
- Nothing is scraped, bought or resold from another list. The borrower ticked a box asking for a professional to look at their numbers, and the exact wording they agreed to is stored with the lead. You can see it.
- “There's no real information in it.”
- This is the difference that matters. You get the file's numbers, not a name and a postal code — which means the first conversation starts at “here's what I'd change” rather than at data collection.
- “Half of them could never qualify.”
- Some of them can't — that's true of any source. The difference is that it's marked rather than hidden. A file over the lender limits is labelled as such, and one with too little information is labelled “not enough captured to forward yet” instead of being padded out and sold anyway.
How it works
- A borrower runs a HomeCalc calculator and gets their real result
- They opt in to have a mortgage professional review it
- Their numbers are classified and flagged automatically
- The lead is delivered to you by email, promptly, with everything above attached
- You follow up
What this is not
A lead is a borrower's own self-reported numbers, run through public lending rules. It is not a pre-approval, and nothing here has been credit-checked or income-verified — that work is still yours to do. A high priority rating means the profile is complete and the ratios pass, not that the file will close. HomeCalc doesn't give mortgage advice and doesn't rank or recommend lenders.
Pricing and coverage
Pay per lead, no long-term subscription and no monthly minimum. Canada-wide, filterable by province. Pricing depends on volume and on the exclusivity terms you want — request current pricing below.