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Prêtik
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For Québec mortgage brokerages

Ready to submit.The first time.

Prêtik requests and files the documents, pre-fills the application, drafts the lender note. You check, you submit.

Learn moreSee how it works

Fictional example

Camille and Samuel Roy (fictional)

Overview

Your AI’s update

The Roy file is moving along: 13 of 13 documents are accepted.

69 values are waiting for your confirmation in the application.

Go thereDraft from your AI: deadlines are calculated by Prêtik; nothing is sent without your confirmation.

Next steps

  1. 1Confirm the 69 values proposed by the AI
  2. 2Fill in the 13 missing required fields
  3. 3Draft the lender note

File status

Status
In progress
Accepted documents
13 of 13
Application
19 confirmed · 69 to confirm · 13 required missing
Loan amount
$435,000
Closing
April 30, 2027

The problem

A mortgage file is a pile of documents and a client who’s waiting.

  1. 9:40 p.m.

    You’re re-typing a pay stub. Third time this week.

    The application fills itself in from the documents.

  2. Tuesday morning

    The lender wants the notice of assessment. The client doesn’t reply.

    Automatic reminders, until everything is in.

  3. Thursday

    The offer expires Monday. The file still isn’t complete.

    Next steps and deadlines, counted for you.

Behind every file, there’s a family waiting for a yes.

Skip →

How it works

  1. Create the file. The link goes out on its own.

    The type of file builds the document list. Your client gets their link, and reminders follow while anything is missing.

    Illustration: on the broker’s side, a new file for Émilie Gagnon (fictional): a purchase, a house, salaried, a down payment from savings, a gift and an FHSA. The list of 11 documents to collect builds itself. The box “Send the upload link as soon as the file is created” is ticked, then “Create the file”: the link goes out from your Outlook mailbox. On the client’s side, the phone shows the privacy notice, then each document “To provide”. Reminders are scheduled on day 2, 5 and 9; their subject names no document.

  2. Documents arrive. Prêtik files them.

    Through the portal, in bulk or by email: the AI recognises each document and files it. You accept it, or ask for it again.

    Illustration: Émilie Gagnon’s (fictional) documents arrive three ways: the portal on her phone, an Outlook email with 6 attachments, and a bulk upload. The AI files each document in its row, which goes from “Missing” to “Received”, then “Accepted”. The T4, outside the list, gets its own row, “Added by AI”. A duplicate file is flagged. The pay stub goes “To recheck” (page 2 missing), then a new file is accepted. At the end: “No documents to collect out of 12”, and the reminders stop on their own.

  3. The application fills itself in. You confirm.

    The AI reads every document and pre-fills the mortgage application. Each value cites its document and page; nothing goes in without your confirmation.

    Illustration: the Roy file’s (fictional) mortgage application, section “Addresses and employment”. The values proposed by the AI are blue, each with its source, such as “employment letter, p. 1”. Samuel Roy’s gross income is orange, “Uncertain — please check”: $62,000 on the employment letter, $61,500 on the pay stub. “Since” is red, “Not found in the documents”. “Confirm all” confirms the blue values; the orange one waits for your choice. The ratios, calculated by the engine and never by the AI: GDS 33.3%, TDS 39.1%, loan-to-value 89.69%.

  4. The lender package is ready. You submit.

    The note starts from the facts you approve. Key figures and accepted documents follow it into one PDF. You review, then you submit.

    Illustration: the Roy file’s (fictional) approved facts tick into a two-paragraph note. A PDF builds: “File presented to the lender — DRAFT”, with the broker’s note, the key figures and the accepted documents, plus a ZIP of the documents with its index. The file status goes from Draft to In progress, then Ready. “Submitted” is left to tick: you’re the one who submits, outside Prêtik.

Prêtik prepares, you decide. Nothing goes out without your click except the link and its reminders, and you always submit.

Skip to the broker workspace →

Your own AI.Your own decisions.

It briefs you on every file, reads your emails and writes in your style. Nothing goes out without your click.

Your AI’s update

Your briefing, when a file opens

Deadlines counted by Prêtik, what’s missing, and the next step already drafted.

Fictional example

Your AI’s updateGagnon file (fictional)

The file is moving: 10 of 11 documents are accepted, and the application is pre-filled.

At the notary: in 46 dayscounted by Prêtik

Missing: certificate of location

Next step: ask Émilie for it. Email prepared:

To: Émilie Gagnon (fictional)

Subject: Certificat de localisation — votre dossier

Bonjour Émilie, il ne manque plus que le certificat de localisation. Pouvez-vous le demander au vendeur, puis le déposer avec votre lien ? Merci ! Julie

Draft from your AI: deadlines are calculated by Prêtik; nothing is sent without your confirmation.

Emails

Your emails, summarised and answered

Prêtik imports your Outlook exchanges with each borrower, summarises them and drafts a reply in their language.

Fictional example

Emails

  • ReceivedAwaiting replyDocuments pour mon dossier hypothécaireÉmilie Gagnon (fictional) · 6 attachments · read and filed
  • ReceivedOffre acceptée ! + don de mes parentsÉmilie Gagnon (fictional) · 6 attachments · read and filed

What the borrowers are waiting for: To know whether her $2,400 bonus counts in her income.

Reply drafted by the AI, in French — review and edit before sending

Bonjour Émilie, tout est bien reçu, merci ! Pour votre prime de 2 400 $, je vérifie comment le prêteur la traite et je vous reviens. Julie

My brain

A brain that learns from you

Your lenders, your procedures, your style, as linked notes. Your AI uses them to write and remembers your corrections.

Fictional example

My brain

cote_minimale: 680learned by the AI

Point at or tap a note: its links light up.

Added to your brain: Lender A (fictional)

Roy file (fictional) — score 742: above Lender A’s minimum · compared by the software, not by the AI

Visible to you only. Everything stays editable.

Inside the broker workspace.

Everything your brokers find when they log in, file by file.

A document list built for each file.

Choose the type of file: Prêtik lists the documents, per borrower, and says why each one is required.

  • The list comes from the type of file
  • The reason for each document
  • A document outside the list: the AI adds it

Change the type of file: the list rebuilds.

Fictional example

Type of file

Transaction
Main borrower
Co-borrower
Property
Down payment

13 documents to request

  • Main borrower
  • Valid photo ID (front and back)Identity verification required by the lender (anti-money-laundering obligations, FINTRAC).
  • Complete tax returns (T1 General and TP-1) for the last two yearsSelf-employed: qualifying income is read from the returns, averaged over two years.
  • Notices of assessment (CRA and Revenu Québec) for the last two yearsConfirms declared income and that no tax balance is owing.
  • Proof of business (Québec enterprise register extract, licence or articles)Establishes how long the business has operated; two years is often required.
  • Co-borrower
  • Valid photo ID (front and back)Identity verification required by the lender (anti-money-laundering obligations, FINTRAC).
  • Recent employment letter (position, start date, salary, permanent or not)Confirms the employment and base income used for the ratios.

A portal for each borrower, reminders that stop on their own.

Each borrower uploads from a personal link sent from your Outlook mailbox. Reminders follow, then stop as soon as everything is in.

  • PDF or photo, 20 MB per file
  • Reminders at 2, 5 and 9 days, adjustable
  • Reminder status, right in front of you
Fictional example
  1. The borrower reads the privacy notice and accepts it.
  2. Four documents to provide: two files arrive and turn “Received”.
  3. Day 2: a reminder goes out by email, from your Outlook mailbox, with a new link. Broker view: “Reminders: 1 of 3 sent”.
  4. Day 5: the last two documents arrive; the day-9 reminder never goes. Broker view: “Reminders stopped: nothing left to request”.
  5. The pay stub must be resent (page 2 missing); a new file arrives and everything is accepted.

The mortgage application, already filled in.

The AI pre-fills the whole application from the documents and emails. Each value cites its source; nothing goes in without your confirmation.

  • Document and page for every value
  • Confirm all, except what’s uncertain
  • Ratios calculated by the engine

Open a source, pick a value, or confirm all.

Fictional example

Roy file (fictional)

Uncertain (orange) values and the SIN are confirmed one by one.

1 not found, 1 uncertain, 11 proposed, 0 confirmed.

Personal information

  • Last nameCamille Roy (fictional)RoyProposed by the AI
  • First nameCamille Roy (fictional)CamilleProposed by the AI
  • SINCamille Roy (fictional)••• ••• •••encryptedProposed by the AI

    Encrypted, shown masked, never in a PDF.

Addresses and employment

  • Current addressCamille Roy (fictional)45, avenue des Exemples, app. 3, Montréal (Québec) H2X 1Y4Proposed by the AI
  • SinceCamille Roy (fictional)—Not found in the documents
  • Job titleSamuel Roy (fictional)TechnicianProposed by the AI
  • Gross incomeSamuel Roy (fictional)$62,000Uncertain — please check
    • $62,000 (05-lettre-emploi-samuel-roy-fictif.pdf, page 1)
    • $61,500 (06-talon-paie-samuel-roy-fictif.pdf, page 1)
  • Income frequencySamuel Roy (fictional)AnnualProposed by the AI

Assets, liabilities and properties

  • Car loan — monthly paymentRoy file (fictional)$385Proposed by the AI
  • Student loan — monthly paymentRoy file (fictional)$220Proposed by the AI

Property and mortgage

  • Purchase price or valueRoy file (fictional)$485,000Proposed by the AI
  • Closing dateRoy file (fictional)April 30, 2027Proposed by the AI
  • Municipal and school taxes (per year)Roy file (fictional)$4,100Proposed by the AI

Ratios and credit

GDS
33.3%
TDS
39.1%
Loan-to-value
89.69%
Qualifying rate
6.49%
Payment at the qualifying rate
$3,001.34
Total loan (premium included)
$448,485
Credit score
742

Ratios calculated by the Prêtik engine from confirmed values — never by the AI.

Draft prepared by Prêtik: the broker checks, decides and submits.

A lender note that cites only your facts.

Prêtik proposes the facts; you remove what shouldn’t appear. The AI drafts from those alone, without the client’s name.

  • Target lender from your brokerage’s list
  • Numbers and lenders checked before copying
  • In the “Lender package” PDF
Fictional example
Facts the note may use

The 5 proposed facts are included

Tone
Note language

Lender note — draft

We are submitting a mortgage financing request for a property purchase.The household’s gross annual income is $125,000.The property is valued at $485,000.The down payment is $50,000.

GDS stands at 33.3%.TDS stands at 39.1%.The co-borrower earns a base salary of $61,500, according to his latest pay stub.The borrowers already bank with Lender B (fictional).We remain available for any questions.

Figures not in the approved facts: 61,500

Lenders named other than the target lender: Lender B (fictional)

Scenarios worked out to the cent.

Up to four scenarios to the cent, with fees, other income and expenses, in a client PDF in your colours, in French or English.

  • Stress test and GDS/TDS
  • Premium tax by closing date
  • Income and expenses by frequency
Fictional example

Scenario 1

Purchase · fixed rate, semi-annual compounding

Closing
Purchase price
$485,000
Down payment
$50,000
Loan-to-value
89.69%
Premium rate
3.10%
Insurance premium
$13,485
Total loan
$448,485
Contract rate
4.49%
Amortization
25 years
Monthly payment
$2,479.75
Qualifying rate
6.49%
Qualifying payment
$3,001.34
GDS
33.3%
TDS
39.1%
Premium tax (at 9.975%)
$1,345.13
Cash at the notary (no other costs)
$51,345.13

Premium tax (at 9.975%): $1,345.13. Cash at the notary: $51,345.13.

Brokerage colour 1 of 3

Your rules, for the whole brokerage.

A role for everyone, the access to files you choose, and two-factor authentication for all.

  • Access: the whole team, or own files only
  • Your lender list, your reminders, your AI cap
  • 5 to 10 years of retention, full export
Fictional example
Access to files

Whole team: everyone sees every file

Files seen by Julie Tremblay (fictional) — Broker

  • Gagnon file (fictional)Holder: Julie Tremblay (fictional)In progress
  • Pelletier file (fictional)Holder: Karim Benali (fictional)Ready
  • Roy file (fictional)Holder: Julie Tremblay (fictional)In progress
  • Morin file (fictional)Holder: Sophie Lavoie (fictional)shared with youDraft
  • Bouchard file (fictional)Holder: Karim Benali (fictional)Submitted

5 files visible

Owner, administrator and compliance see everything.

LDPSF, s. 91: each person only accesses the information their work needs. The database enforces it.

Roles

Pick a role to see what it allows.

Everything: members, brokerage settings, files, final approval, the log and deleting a file.

Two-factor authentication for everyone, asked again at least every 30 days.

Brokerage settings

  • Automatic reminders2, 5, 9 days
  • Retention period7 years (minimum 5)
  • The brokerage’s lendersyour list
  • Monthly AI capmonthly, adjustable
  • Colour and logoon client PDFs
  • Exportall the data

How much time do your files cost you?

Enter your own numbers. It’s calculated in your browser; nothing is sent.

20
1.5 h

Chasing, sorting, re-typing. A starting value: adjust it.

About 30 hours a month, or about 48 working days a year.

That’s the work — chasing, sorting, re-typing — that Prêtik takes on.

Let’s look at your real files →

Build Prêtik with us.

We’re looking for a few Québec brokerages to shape Prêtik with us. You show us your real challenges, we build around them.

Your request: 0% ready

What pilot brokerages get

  1. Access before anyone else.
  2. A direct line to the founders.
  3. Your feedback directly shapes the product.

Founded by David Napoleonov, on the product, with a background in mortgage compliance, and Dimitar Malinov, on relations with brokers, security and compliance. Our story →

Get in touch

Email
contact@pretik.ca
LinkedIn
linkedin.com/company/prêtik
Location
Québec, Canada