Submortgage Broker

Job Description

Location: Fully Remote (Canada)

Compensation: Competitive Commission Structure | Uncapped Earning Potential

Grow Your Mortgage Business by 50-100%

If you're an elite submortgage broker or a mortgage advisor at a bank/credit union, you know that your biggest bottleneck isn't finding clients—it's the administrative grind. What if you could automate 70% of your workflow, eliminate underwriting, and get the dedicated support you need to focus on what you do best: building relationships and closing deals? How much would you grow your mortgage business?

About Perch

Perch is a 4X award-winning mortgage brokerage, enabling Canadians to make data-driven decisions to save money on their mortgage and easily access their home equity. Along with the support of a dedicated team of real estate and mortgage professionals, users can take control of their homeownership journey, from pre-approvals to mortgage renewals and everything in between.

Founded in 2018, Perch is based in Toronto and works with homeowners across Canada, including Quebec.

The Perch Advantage

• Eliminate Underwriting: Our proprietary auto-adjudication engine instantly matches clients with the best lender options. You'll never need to wait for an underwriter again.
• Automate Your Workflow: Our system automates the most time-consuming tasks, including: Nurturing your client pipeline and identifying new opportunities; Guiding clients step-by-step through their application; Integrating Equifax soft credit checks; Automatically requesting the correct documents from clients; Handling compliance and FINTRAC reporting.
• Dedicated In-House Support: Our professional support team handles client intake, document gathering, and appraisal bookings, acting as a seamless extension of your business.
• Keep Your Partners Informed: The platform automatically provides status updates to your referral partners, strengthening your relationships and ensuring transparency.

Who We Are Looking For

• Proven Top Performer: You have originated at least $10M in mortgages in the last 12 months, and have demonstrated the ability to self-generate most or all of your leads.
• Experienced Professional: You have a minimum of 2 years of continuous experience as a licensed Submortgage Broker or as a Mortgage Advisor at a bank or credit union.

What We Offer

• Competitive Compensation: Benefit from an attractive commission split with desk and insurance fees waived, maximizing your take-home earnings.
• Industry-Leading Technology: Harness powerful tools that streamline your workflow and make underwriting effortless, so you can focus on closing more deals.
• Marketing Support: Access ready-to-use marketing assets, targeted campaigns, and lead-nurture tools designed to help you attract and convert more clients.
• Ongoing Training: Benefit from continuous training, best-practice guidance, performance coaching, and 1:1 deal support to help you sharpen your skills and scale your production.

If you are ready to stop managing paperwork and start building your future, apply today to join us in building the most innovative mortgage brokerage in Canada.

This posting is for a current vacancy that we are actively and immediately seeking to fill. Applications are reviewed by our recruitment team; however, software tools, including AI, may be used to assist in screening, assessing, or selecting applicants. Compensation for this role is commission-based. The estimated range provided reflects typical earnings; actual compensation will vary based on individual performance.