Shop with confidence, not guesswork
Know exactly what you can afford, lock a competitive rate, and get a real advisor in your corner - anywhere in Canada.
Everything a first-time or move-up buyer needs
We pair competitive Canadian rates with technology and human guidance - so nothing about your purchase is a surprise.
Pre-approval in minutes
A soft check that won't affect your credit score, with a clear maximum price.
Rate hold
Lock your rate for up to 120 days while you house-hunt with peace of mind.
Stress-test ready
We qualify you at the benchmark rate up front, so approvals don't fall through.
First-time buyer programs
FHSA, the RRSP Home Buyers' Plan, and the land-transfer-tax rebate, optimized.
All of Canada
Insured, insurable, and uninsured options across every province and territory.
Real advisors
Licensed Canadian mortgage professionals, available when you need them.
Know the real number you need to save
In Canada, your minimum down payment depends on the purchase price - and we make it crystal clear before you fall in love with a home.
- 5% on the first $500,000 of the price
- 10% on the portion between $500,000 and $1,500,000
- 20% on homes priced at $1,500,000 or more
- Under 20%? CMHC / Sagen default insurance applies - we'll estimate it for you
Pick your starting point
Mortgage options
Fixed vs variable, open vs closed, and how terms differ from amortization.
First-time buyers
Make the most of the FHSA, Home Buyers' Plan, and available rebates.
New construction
Financing for new builds and pre-construction, including longer rate holds.
Buying a home in Canada - answered
Ready to make your mortgage work for you?
Pre-approval takes minutes, with no impact to your credit score.