Speed up closing with Virtual Close—your clients get in faster, and you stay ahead.
Your deal. Our expertise.
We support mortgage brokers with a transparent, predictable process—so you can focus on your clients, not the paperwork.
Broker Tracker
Easily track and manage your purchase, refinance, transfer and collateral switch deals.
Participating lenders
We work with most Canadian lenders, for more details on who we work with, please contact us
What’s our role in your deal?
Your lender works with us to title insure and process residential refinance, transfer and collateral switch deals.
Here's what we do:*
- Complete a title search
- Request payout statements
- Prepare document packages
- Manage borrower signing — in person or with Virtual Close**
- Complete funding and payments
- Register the mortgage
- Keep you updated on your deal’s status
Here’s how we make things easier
We’re here to keep your clients happy and your business moving
Virtual Close
Broker Tracker
Get real-time tracking and milestone updates so you always know where your deal stands.
Valuations
Fast, reliable valuations—coming soon for brokers. We're launching this service for brokers soon and we'll share more details as we get closer.
The Title Toolkit
Everything you need to manage title insurance, transfers and search services.
Search Services New
You can now order a title search — a critical step to access essential information about residential properties in Canada. Log in to Broker Tracker to submit your request.
Title Transfers
If required, we’ll coordinate the title transfer through our external legal network. Enjoy fixed pricing and a consistent client experience.
Existing Homeowner Protection
Help your clients protect their home with title insurance—because good advice doesn’t stop at closing.
FAQ
For certain steps in a mortgage transaction (like the signing appointment or resolving title discrepancies), we must contact your client. Ensure your clients respond to our welcome email before the expiry date.
We've found explaining our role to your clients and helping them prep goes a long way.
Here's what we recommend:
- Send your client our client-facing brochure. Click here!
- Inform your client that we’ll be reaching out by phone or email—these conversations are essential to keep their transaction moving smoothly.
- Let your clients know that signings typically occur after we've obtained the payout statements.
- Help your clients prepare for the signing appointment.
We need the borrower’s written authorization to obtain a payout statement. That’s where the RSA comes in. If we don’t receive this form, payout statement requests can be rejected and your closing date can be delayed.
Before you meet a client, we recommend you fill out our editable RSA form. We’ve included step-by-step instructions here.
FCT offers services in all provinces and territories across Canada.
For refinances, collateral switches and transfers, the lender submits the request. You can order standalone title searches. Appraisals will be available in the coming months.
The best way to check your file status is in Broker Tracker, where you can view the status, see what action is required and upload or download documents. Access here.
There are a few scenarios where your deal may not appear in Broker Tracker:
Scenario 1:
Your deal was submitted to the lender using a common email address. (For example, an info@).
We rely on the contact info provided by the lender. We understand that deals are often submitted to lenders using common email addresses. So, we recommend that the owner of the central email address set you up as a delegate in Broker Tracker so you can view your deals.
Scenario 2:
The email address provided by the lender does not match your Broker Tracker profile.
We can search for up to four email addresses associated with your profile. Please submit the deal to the lender using the email address associated with your Broker Tracker account and provide us with all possible email addresses.
Scenario 3:
The deal was in motion before you activated your Broker Tracker account.
Please send us the deal’s FCT reference number and we will manually link the deal to your account.
Yes, you can manage your email alert notifications from your Broker Tracker profile.
You can receive three types of email notifications:
- Alert notifications (sent after we post an alert or "note.")
- Milestone notifications (sent when your deal reaches a standard milestone)
- Document upload notifications (sent when we upload a document)
The process for your deal may differ due to the lender’s process, the type of deal and the involvement of a solicitor.
Lenders do not generally accept a transfer of a collateral mortgage.
In some cases, mortgages contain clauses that prevent their transfer. When this happens, FCT has to process the deal as a collateral switch.
So, ask your clients for a copy of their original mortgage. To determine a collateral mortgage, look for:
- Terms like “on-demand” or “on-charge”
- Minimal terms registered
- No fixed term or repayment terms
- HELOCs or lines of credit
- A clause stating the mortgage cannot be transferred.
Want to learn more?
For deal inquiries:
1-855-500-3565
brokerinquiries@fct.ca
For sales support:
Contact your BDM
*This service is not available in Quebec
**Some conditions apply:
- All borrowers must consent and qualify for electronic ID verification and e-signing of documents; and
- FCT’s Virtual Close process has been approved by the applicable lender.
Services by First Canadian Title Company Limited. The services company does not provide insurance products. Some products/services may vary by province. Prices and products/services offered are subject to change without notice.
®Registered Trademark of First American Financial Corporation.