One short application puts your file in front of 65+ banks, credit unions, monoline and private lenders. No cost, no credit hit, no obligation.
Most people arrive for a mortgage and leave having also fixed their insurance and their debt. Pick the door you came for — we will tell you if there is a better one.
Down payment as low as 5%, plus every federal and provincial incentive you qualify for.
ExploreShop with a 120-day rate hold and a firm budget before you make an offer.
ExplorePull equity out at mortgage rates instead of carrying it at credit-card rates.
ExploreYour bank's renewal letter is an opening offer. Treat it like one.
ExploreRevolving access to your equity. Pay interest only on what you actually draw.
ExploreRoll cards, lines and loans into one secured payment at a fraction of the interest.
ExploreYou spend two minutes. We spend the rest of the week negotiating with underwriters on your behalf — at no cost to you on a standard residential mortgage.
Six short screens: what you need, the property, your timeline and how to reach you. Two minutes on a phone.
An advisor runs your file past the lenders whose rules you actually fit, then negotiates. You get a written comparison, not a sales pitch.
Pick your offer. We handle the lender, the lawyer and the paperwork through to funding day.
| Lender | Term | Type | Rate | APR | |
|---|---|---|---|---|---|
| Northline TrustMonoline | 5-Year | fixed | 3.84% | 3.89% | Get this rate |
| Cascade Credit UnionCredit Union | 3-Year | fixed | 3.94% | 4.01% | Get this rate |
| Cascade Credit UnionCredit Union | 5-Year | variable | 3.95% | 3.99% | Get this rate |
| Prairie MutualCredit Union | 5-Year | variable | 4.05% | 4.10% | Get this rate |
Lenders discount for brokerages that send clean, well-underwritten files and send a lot of them. That discount is not ours to keep — it goes into your rate.
Our bank offered 5.19% on renewal. Rateshop came back with 3.89% at a credit union and covered the switch costs. Twenty minutes of my time saved us $312 a month.
Self-employed for nine years and three banks said no. The advisor here knew exactly which lender reads business income properly. Approved in four days.
We were paying four cards at 22%. One refinance, one payment, and we are done with the debt in five years instead of never.
First place. First time. They walked us through the down payment rules and the LTT rebate and never once made us feel stupid for asking.
Straight answers about a reverse mortgage, including the parts that were not in my favour. That honesty is why I signed.
Closing was in eleven days after my private lender fell through. They funded it in seven. Genuinely saved the deal.
Your lender sends one number and a signature line. Here is what the letter is not telling you.
4 min read RatesWhen the Bank of Canada is cutting, the maths changes. It does not change as much as people assume.
5 min read ApprovalsYou do not qualify at your rate. You qualify at a higher one. Here is the arithmetic.
4 min readNo credit check, no cost, no one calling you six times. One advisor, one call, three real options.
