Decision-grade underwriting, without the spreadsheet sprawl
Every scenario, every stress test, every product, side-by-side. Powered by Harvey AI but explainable enough for a regulator.
Underwriting that scales with your team
Scenario hub
Side-by-side what-if: rate +1%, +2%, term swap, amort change, principal increase, blended rate, refi math.
GDS / TDS
Live computation with OSFI stress test rate. Per-applicant + combined views. Outlier highlighting.
Stress tests
BoC +200 bps, rate-shock scenarios, payment-shock at renewal, employment-loss runway analysis.
Self-employed
BFS workflow with 2-year average, add-backs, T1 General + NOA validation, business-account vs personal.
Investment property
Rental income (Effective Gross + Vacancy), debt service coverage, multi-property cross-collateral.
Concentration view
Geo, industry, LTV, GDS distribution across portfolio. Risk-weighted view of new addition.
AI assist
Harvey suggests product fits, flags risks, drafts decision memo. Explainable: every suggestion shows its inputs.
Pricing optimization
Match deal to best lender envelope with LLPAs, eligibility, and lender appetite signals.
Decision memo
Auto-generates underwriter memo with rationale, conditions, exceptions — ready for senior review.
Five scenarios. One screen.
| Scenario | Rate | Pmt | 5yr int | Stress |
|---|---|---|---|---|
| Base — 5yr fixed | 4.84% | $3,712 | $162,400 | pass |
| 3yr fixed | 4.69% | $3,648 | $148,200 | pass |
| Variable −0.95 | 4.30% | $3,498 | $141,700 | tight |
| +1% rate shock | 5.84% | $4,108 | $186,300 | fail |
| 30yr amort | 4.84% | $3,378 | $167,800 | pass |