For mortgage brokers

Save up to 3 hours
per file.

WelcomeSpaces requests the documents from your clients, chases the missing ones, validates every file that comes in and assembles your lender-ready package.

Hosted in CanadaSOC 2 certifiedLaw 25 & PIPEDA compliant
NewTo reviewFlaggedWaitingDone
New request
SpaceContactsProgressActivity
Tremblay — Refinance
2 requests
JT
6/6
2h ago
Nguyen — Purchase
1 request
LNTN
4/66/6
2 to review
1d agoJust now
+2 files
Côté — Renewal
1 request·4/5 reminders sent
SC
2/53/5
3d agoJust now
+1 file
Bergeron — Pre-approval
1 request
4/4
1 flagged
5h ago
Lavoie — Purchase
1 request·2/5 reminders sent
JLAL+1
0/7
Today
Roy — Refinance
2 requests
ERPR
5/9
1d ago
Works alongside your everyday tools
BEFORE & AFTER WELCOMESPACES

Same file. A lot less work.

Today

You ask. You chase. You rename. Then you advise.

Hours of admin per file. Before a single piece of advice is given.

Chasing a client for a T4. Three times.
Getting a blurry photo. Asking again.
Renaming twelve files by hand.
Uploading a client’s tax return to a free PDF converter.
Checking nothing is missing. Twice.
Starting over on the next file.
Chasing a client for a notice of assessment. Twice.
Getting a cropped photo. Asking again.
Renaming nine files by hand.
With WelcomeSpaces

You advise. AI does the rest.

From the first request to a lender-ready file, WelcomeSpaces automates the work that eats your time.

T4 — 2024To receive
Pay stubs — last 2To receive
Bank statements — 90 daysTo receive
Secure link sent to Marie T. — no account needed
after3 daysNov 10
after7 daysNov 14
after14 days—
Reminder 2 sent · 9:00 AM
T4 — 2024Accepted
Pay stubs — last 2
talon_paie_nov.jpg · Uploaded by Marie T.
To correct
Both stubs cover September — the last 30 days are missing.
Correction requested
IMG_4471.HEIC→ 01_T4_2024.pdf
scan (3).pdf→ 02_Pay_stubs.pdf
releve_banque.pdf→ 03_Bank_90d.pdf
Package created
Send to lenderDownload
Tremblay_Mortgage_File.pdf
14 documents · ordered and named · 8.2 MB
Lender-ready
Measured results

Real gains, from the very first file.

Less paperwork, more files processed, zero missing document at submission.

Admin time
80%
less time spent on administrative work
Volume
5×
more files processed per broker
Submission
0
missing documents when the file reaches the lender
Time returned
20h
saved per week thanks to AI
How it works

Everything it takes to go from client to lender-ready file.

Not three tools side by side — one file, moving through three stages.

01
Smart document request

The right documents, on the first ask.

AI builds the list from your client’s profile, sends the request and runs the follow-ups for you. It checks every file the moment it arrives: wrong document, blurry photo, missing page. No more back-and-forth.

Document list generated per client profile
Each document comes with an example file your client can refer to
Validation on arrival, with the reason written out
Automatic reminders
Set up automatic reminders for pending documents.
after3 days
Thu, 12 March
after7 days
Mon, 16 March
after14 days
Mon, 23 March
Add a follow-up
02
Beta coming soon

Hours of checking, cut to minutes.

Welters reads pay stubs, notices of assessment and bank statements, pulls out the figures that matter and flags what doesn’t add up — with every number traceable back to the page it came from.

Qualifying income extracted from the file
GDS and TDS ratios calculated
Inconsistencies between documents surfaced
Every figure traceable to its source — document, page, line
Qualifying income and debt-service ratios for the Tremblay file?

Qualifying income of $96,400, of which $14,200 is variable and averaged over 24 months.

Debt service
GDS — max 39%31.2%Pass
TDS — max 44%43.1%Tight
Source of the figure
T4 — 2025.pdfBox 14 — employment income $82,200
Notice of assessment 2025.pdfLine 15000 — total income $96,400
03
PDF WorkbenchNew

Lender-ready packages, built in minutes.

Reorder, compress, redact, export. Your package takes the shape the lender expects in a few minutes — in an encrypted environment hosted in Canada.

One click from the request — every file imports itself
Lender templates — export in the format each one expects
Merge, reorder and rename in one pass
Redact sensitive data before it leaves
Compressed export, under the lender’s size limit
Explore PDF Workbench
PDF Workbench assembling a lender package: file list, progress and editing tools.
For your clients

Your client gets a secure link. No login.

No account. No password. No app. Clients open the link, confirm their identity, and see exactly what they need to provide — all in one place.

Secure by default
A code confirms it’s them. Every document is protected with 256-bit encryption on SOC 2 infrastructure — never sitting in an inbox.
No more “What’s a Notice of Assessment?”
Every document request includes a visual example and clear instructions, so clients know exactly what to provide.
AI checks before you do
Blurry photo, wrong year, missing page? AI checks every upload instantly and lets clients know what needs fixing — before it reaches you.
welcomespaces.io/en/secure-upload/26QMmU6Nk4xc-VxjpAB3G4…
Example broker logoDavid Carter
Upload documents
Marie Tremblay · requested by David Carter
Upload all your documents here
Drag several files at once
Browse my files
Identity
ID with Photo — Front
Show an example
What a valid file looks like
ID with Photo — Back
Income
Employment Letter — 30 days
Pay Stub — 30 days
Pay Stub (Year End) — 2025
T4 — 2025
Bank Statement — Pay Deposit — 90 days
Federal Notice of Assessment — 2025
Trust and security

Built for Canadian financial standards.

Designed by financial-sector operators who understand the regulatory requirements in Québec and Canada. The short version, in writing:

Data residency
100% hosted in Canada — Montréal and Toronto
Encryption
Encrypted at rest and in transit, end to end
Access control
2FA enforced, role-based permissions per file
Privacy law
PIPEDA and Québec Law 25 compliant
Certification
SOC 2 — independently audited controls
In their words

Trusted by mortgage brokers.

See how mortgage professionals are using WelcomeSpaces to save time, simplify their workflow, and deliver a better client experience.

“Fantastic platform with an amazing team and impeccable service.”

Portrait of a young man with curly hair wearing a brown suit jacket and white shirt against a dark background.Mickael BissonMortgage broker

“Uploading documents is quick, secure, and very easy to use. It really makes managing files much smoother on a daily basis.”

Portrait of a man with dark hair wearing a black collared shirt against a gray background.William SaindonMortgage broker

“Their team is extremely responsive, open-minded, and, above all, attentive to their clients’ needs.”

Man with neatly styled hair wearing a dark blazer and blue shirt, standing with hands clasped.Guillaume JanelleMortgage broker

“The website is incredibly well-designed and allows users to easily change elements themselves. Since its creation, I’ve received significantly more inquiries.”

Smiling man with dark hair wearing a black blazer and white shirt against a black background.Alexandre LafitteMortgage broker

“An intuitive, constantly evolving, and easy-to-use platform! Welcome Spaces is responsive to our needs.”

Jean François Boucher, Mortgage Broker, Multi-prêts HypothèquesJean François BoucherMortgage broker

“Most importantly, our brokers save a tremendous amount of time every day and can finally focus their energy on what really matters… their clients.”

PretsHypotheque ca logoPretsHypotheque caMortgage brokers

“They’re at the forefront of today’s technology and always striving for perfection to meet our needs and serve us.”

Smiling woman with long, wavy blond hair wearing a gray blazer and light makeup against a gray background.Nathalie BeaulieuMortgage broker

“I love my new website and its clever design. I’m getting to grips with it slowly but surely, and I have incredible support from the team. I highly recommend it for people in the brokerage industry!”

Portrait of Nathalie MorissetteNathalie MorissetteMortgage broker

“Fantastic platform with an amazing team and impeccable service.”

Portrait of a young man with curly hair wearing a brown suit jacket and white shirt against a dark background.Mickael BissonMortgage broker

“Uploading documents is quick, secure, and very easy to use. It really makes managing files much smoother on a daily basis.”

Portrait of a man with dark hair wearing a black collared shirt against a gray background.William SaindonMortgage broker

“Their team is extremely responsive, open-minded, and, above all, attentive to their clients’ needs.”

Man with neatly styled hair wearing a dark blazer and blue shirt, standing with hands clasped.Guillaume JanelleMortgage broker

“The website is incredibly well-designed and allows users to easily change elements themselves. Since its creation, I’ve received significantly more inquiries.”

Smiling man with dark hair wearing a black blazer and white shirt against a black background.Alexandre LafitteMortgage broker

“An intuitive, constantly evolving, and easy-to-use platform! Welcome Spaces is responsive to our needs.”

Jean François Boucher, Mortgage Broker, Multi-prêts HypothèquesJean François BoucherMortgage broker

“Most importantly, our brokers save a tremendous amount of time every day and can finally focus their energy on what really matters… their clients.”

PretsHypotheque ca logoPretsHypotheque caMortgage brokers

“They’re at the forefront of today’s technology and always striving for perfection to meet our needs and serve us.”

Smiling woman with long, wavy blond hair wearing a gray blazer and light makeup against a gray background.Nathalie BeaulieuMortgage broker

“I love my new website and its clever design. I’m getting to grips with it slowly but surely, and I have incredible support from the team. I highly recommend it for people in the brokerage industry!”

Portrait of Nathalie MorissetteNathalie MorissetteMortgage broker
Book a demo

See how much time WelcomeSpaces can save you.

Find out how AI can handle your document requests, your follow-ups and the preparation of your files.

30 minutes · no commitment