Refer clients. Earn on every funded deal.
Elevate is RATECORE’s partner program for Ontario realtors. One clean formula, four volume tiers, paid within 30 days of funding. Free to join — no licence required.
Free
to join
30 days
from funding to payout
4 tiers
up to +30% multiplier
30+
lenders we compare
The Formula
Three inputs. One clean commission.
No revenue-share math buried in a forty-page agreement. The number you earn is calculated from exactly these three things — and every commission record shows the full calculation.
A per-deal cap applies to each mortgage type — this keeps the program sustainable so rates stay competitive on every deal, not just the jumbos. See the goal table below for the current cap on each product.
Goal Rates
Every mortgage type earns its own rate.
Your commission reflects what RATECORE actually earns from the lender on that product. We share a fair slice of real revenue — and show you the math instead of hiding it.
| Mortgage Goal | Base Rate | Per-Deal Cap | On a $500,000 mortgage (Bronze) |
|---|---|---|---|
| 🏢Investment property | 0.1% | $2,000 | $500 |
| 🏠Purchase (new home) | 0.08% | $1,500 | $400 |
| 🏗️Construction | 0.06% | $1,500 | $300 |
| 🔄Refinance | 0.04% | $1,000 | $200 |
| 📅Renewal | 0.02% | $500 | $100 |
Rates, tier multipliers, and per-deal caps are set by RATECORE and may change at our discretion without notice. Commissions already created keep the rate, multiplier, and cap in effect at the moment of funding — see the Partner Program Terms for details.
Volume Tiers
Every referral lifts you higher.
Your lifetime funded volume unlocks multipliers on top of every base rate. Once you reach a tier, you stay there — every future commission uses the new multiplier, automatically.
Bronze
$0M – $5M
Where every partner begins
Purchase on $500,000
$400
Silver
$5M – $15M
+10% on every deal
Purchase on $500,000
$440
Gold
$15M – $30M
+20% on every deal
Purchase on $500,000
$480
Platinum
$30M+
+30% on every deal
Purchase on $500,000
$520
Real Numbers
See it on four realistic deals.
Same formula, different inputs. Where a deal exceeds the per-goal cap, the inline note on the commission row shows where that kicks in.
$600K purchase
- Mortgage
- $600,000
- Goal Rate
- 0.08% (purchase)
- Multiplier
- 1.10× (Silver)
Commission
$528
$1M investment property
- Mortgage
- $1,000,000
- Goal Rate
- 0.1% (investment)
- Multiplier
- 1.20× (Gold)
Commission
$1,200
$400K renewal
- Mortgage
- $400,000
- Goal Rate
- 0.02% (renewal)
- Multiplier
- 1.00× (Bronze)
Commission
$80
$2.5M investment property
- Mortgage
- $2,500,000
- Goal Rate
- 0.1% (investment)
- Multiplier
- 1.30× (Platinum)
Commission
$2,000
Raw $3,250 → per-deal cap applied
How It Works
From referral to payout in three steps.
1
Refer in seconds
Submit your client through the partner portal — or send them a link, a QR code, or a pre-filled referral URL. Every touchpoint is attributed back to you automatically.
2
Track every deal live
Watch applications move from Started → Docs Pending → With Lender → Approved → Funded in real time. No follow-up calls to find out what happened.
3
Get paid within 30 days
The moment a deal funds, your commission is calculated, snapshotted, and queued. Approved payouts hit your account within 30 days via e-transfer or direct deposit.
Why Elevate
Built for realtors who protect their brand.
No licence required to refer
You stay the realtor. A licensed RATECORE mortgage professional handles every regulated step — quoting, qualifying, submitting, closing. Zero liability on your side.
Your client wins
We compare 30+ Ontario lenders and present the most competitive rate. A better mortgage means a higher qualification amount, a faster close, and a client who remembers who sent them.
Transparent math, forever
Every commission record shows the full calculation. Rates may adjust over time, but every commission is snapshotted when it's created — no retroactive surprises.
Two minutes to join
No onboarding call, no contract stack. Sign up with your brokerage affiliation, start referring the same day.
The Ground Rules
No asterisks. No buried fine print.
What qualifies
The deal must fund (close and disburse). The mortgage must be $100,000 or more. You must be the referring partner on record at submission — retroactive attribution isn't possible.
The $3,000 per-deal cap
A single deal pays a maximum of $3,000 regardless of size. This keeps unit economics healthy so every deal — not just jumbo loans — gets paid competitively.
Payout timing
Commissions are created at Funded status, reviewed (typically same business day), then paid within 30 days of the funding date via e-transfer or direct deposit. The 30-day hold protects against rare lender clawbacks.
Commission statuses
Pending → Approved → Paid in your portal, with Cancelled as the rare exception if a lender reverses a deal. Every record shows the full calculation and current state.
FAQ
The questions realtors ask before signing up.
What happens if my client comes in through multiple channels?+
Attribution is set at submission time to the partner on record. If the client was previously a RATECORE customer, pre-existing relationships may reduce or exclude the commission at our discretion.
Can I see my commission before the deal funds?+
No — commissions are only created at funding. You can track every application's live status in the portal up to that point.
What if the client drops out mid-process?+
No commission. We only share revenue we actually earn.
Can I refer myself or family members?+
Self-referrals (where you are the borrower) are excluded. Close-family referrals are allowed and follow the same rules as any other deal.
Can the rates change?+
RATECORE reserves the right to adjust goal rates, tier multipliers, and per-deal caps at any time and without notice. Any commission already created keeps the values in effect at the moment of funding — historical records are never retroactively modified, so your paid and pending totals are always safe.
Is there a separate contract to sign?+
Yes — the Partner Program Terms (at /partner-terms/) govern the referral relationship between you, RATECORE, and our licensed brokerage partner. You accept those terms at signup. You also accept our general Terms of Service and Privacy Policy. No separate per-deal contract is required.
Start your first referral today.
Two minutes to sign up. No licence required. Your first deal can go in the same afternoon — and you’ll see it in your portal before your client’s phone stops ringing.
By signing up you accept the portal Terms of Service, which include the Elevate partnership arrangement.