Lower Your Mortgage Rate. Get Approved Faster.

The best mortgage rates in Canada depend on your credit profile, down payment, property type, and whether you choose a fixed or variable term. A mortgage broker typically accesses rates that often beat the posted rates at major banks by comparing offers from 50+ lenders. That means you see real, competitive options side by side instead of a single bank's offer.

Mortgage pre-approval starts with sharing basic information about your income, debts, down payment, and the home you want to buy. A licensed mortgage professional reviews your file and confirms how much you can borrow and at what rate. Pre-approval is free, usually takes 24–48 hours (often same business day with us), and helps you shop for a home with confidence.

For standard residential home loans in Canada, mortgage brokers are paid by the lender — not by you. There is no cost to the borrower in the vast majority of cases. Fees may apply only in specific scenarios such as private mortgages or complex credit situations, and they are always disclosed up front before you commit.

Yes. Many Canadians with bruised credit, past bankruptcy, or non-traditional income still qualify for a mortgage. Brokers have access to alternative and private lenders that consider your full financial picture, not just a credit score. We work with you to build a clear plan toward the best rate available today and stronger options later.

Most lenders ask for two recent pay stubs, your most recent T4 or Notice of Assessment, and proof of your down payment (typically 90 days of bank statements). If you're self-employed, you'll usually need two years of T1 Generals and Notices of Assessment. Don't worry about gathering everything before reaching out — we'll tell you exactly what you need based on your situation.

From the day you submit a complete application, pre-approval often comes back the same business day to within 48 hours. Once you have an accepted offer on a home, the typical closing timeline is 30–60 days, but rush closings of 10–14 days are possible if needed. Renewals and refinances usually close in 2–4 weeks.

A bank can only offer you their own products. A mortgage broker compares 50+ lenders — banks, credit unions, monolines, and alternative lenders — and brings you the best fit for your situation. The broker's service is free to you on standard residential mortgages because the lender pays us when your mortgage funds.

Fixed rates lock in your payment and rate for the term, giving you predictability. Variable rates move with the Bank of Canada and historically have saved borrowers money over time, but they require comfort with payment changes. The right choice depends on your risk tolerance, budget flexibility, and how long you plan to stay in the home — we'll walk through the trade-offs together before you decide.

The stress test is a federal rule that requires lenders to qualify you at a higher rate than the one you'll actually pay — currently the greater of your contract rate plus 2% or 5.25%. It applies to almost all federally regulated mortgages in Canada, including renewals at a new lender. Some credit unions and alternative lenders are not subject to it, which can open up options for borrowers who don't pass.

Ideally, get pre-approved before you start seriously looking at homes — usually 60–120 days before you plan to buy. Pre-approval tells you exactly what you qualify for and locks in a rate hold (typically 90–120 days) so you're protected if rates rise. Even if you're 6+ months out, an early conversation helps you fix any issues on your file before they become a problem.