Mortgage brokers · Quebec and Canada
Your FINTRAC compliance proof writes itself while you build your files.
Every document your client submits also fills your records. Pieces file themselves, verifications get dated, the proof comes together: one dated file you can open anytime.
You keep your tools: your email, your CRM, your submission software.
- Data kept in Canada, in Montreal
- Built bilingual, not translated
- Prices and policies published
- 14 days or 2 real files to judge
You remain the reporting entity and the sole responsible party under PCMLTFA s. 9.6. Hypora does not make you compliant: Hypora documents, time-stamps and keeps the organized evidence of what you do.
An ordinary Tuesday night
It is 10:47 p.m. You open the same file for the third time.
The house is asleep. You retype the same reminder, word for word, wondering whether the file's ID is properly dated.
Three things come back, every week.
Chasing documents
You follow up with Mr. Tremblay for the third time. You do not like being the one chasing your own clients.
Re-keying, one system to the next
The same address, typed for the fourth time today into the fourth system. One mistake, one lender rejection, and you start over.
The proof, scattered
Is the identity verification on the Beauchemin file properly documented? You did it, you know you did. But nothing gathers it, anywhere.
This is not the job you chose. The paperwork took over the whole thing.
The shift
Two tasks get lighter. The third does itself.
Hypora takes the collection and the preparation, while you talk to your clients. Every step leaves its dated trace: the same work produces the file and its proof.
Why your tools are free
A free tool has a client. It isn't you.
The free platforms in this business are financed by lenders, on the volume of files submitted. The model is legitimate, and it says one simple thing: their product serves whoever pays for it first. Your proof, dated, in your name, is nobody's priority. Hypora flips the model: paid by you, it works for you, at a published price.
And you keep everything: Hypora replaces neither your submission software, nor your CRM, nor your email. It produces the one thing they don't: your proof.
What is true, and verifiable
Three facts, not three promises.
You see each of these facts for yourself on your very first file, with your own documents.
Data residency
In Canada. In Montreal.
Your files and your clients' files are kept in Canada. Encrypted in transit and at rest, kept 5 years by default. A single point lights up on the map, and it is in Montreal.
Verifiable: you see exactly where, from your first file.
Where your data lives
Online- Data centre in Montreal
- Encrypted data
- Files kept in the country
One country, one city for your files. Kept where your obligations apply.
Compliance delivered
A dated file, exportable.
The register of your five FINTRAC obligations, the time-stamping of verifications, the 5-year retention, the downloadable report. You keep the record of your work. Never a score, never a guarantee.
Verifiable: each line moves from "to document" to "documented · time-stamped".
No lock-in
Your files belong to you.
A full export, any time, in one click. If you ever leave, you leave with all of your work. It is not a favour we grant you, it is your right.
Verifiable: you click "Export all", a single archive comes down.
Take back all your data
An organized archive, ready to take elsewhere. You download it; it is yours.
You don't take our word for it: you check every one of these facts yourself, on your own real files.
Stanley Vertus
Founder of Hypora
Who is behind Hypora
« I built Hypora for one reason: so your work goes back to advising, not paperwork. »
You did not choose this work to file PDFs until midnight. Hypora takes back the administrative work that does not bill, to give you back the hours that matter.
Collect the documents, prepare the summary, keep the dated record. Three gestures, done for real. The rest of your work, the advice, stays entirely yours.
Learn more about HyporaLet us be honest
Two questions you are probably asking yourself.
"Another tool that promises to save me time?"
We do not do everything, and that is deliberate. Hypora does three gestures: collect the documents, prepare the summary, keep the dated record. We replace neither your CRM, nor your submission software, nor your email. A narrow tool that keeps its promise, rather than a platform that does too much and succeeds at none of it.
"You touch my submission software and you get me in trouble?"
Never. Hypora does not connect to your submission software and writes nothing to it. The summary is in the Filogix Expert format, section by section. You copy the block, you paste it yourself, by hand, the way you do today. The pasting gesture stays yours.
The real questions
What brokers ask us.
Yes. The file summary is in the Filogix Expert format, section by section. You copy, you paste into your software the way you do today. Hypora never connects to it. You are the one who pastes.
Since March 26, 2026, the maximum FINTRAC penalties have been multiplied by
The same Tuesday, a month later
It is 5 p.m. You close the laptop.
Picture it. The documents are sorted, the summary is ready to copy, the proof is dated and kept. Nothing is left lying around, nothing to catch up on tomorrow morning. Tonight, you are there for dinner, and you sleep without thinking about it. If someone ever checks, it speaks for itself. And the volume can grow without hiring anyone.
The next file you build already writes its proof.
Build your next file in Hypora and watch its proof assemble, on your own documents. 14 days or 2 real files to judge, no card.
Applications reviewed within 24 hours · 10 brokers per month · You keep your tools, and you leave with everything, whenever you want.