One application, many lenders
As a brokerage we compare options across a broad lender panel - the big banks, broker-channel monolines, and credit unions - to find your best fit. You apply once; we do the shopping.
Where your mortgage can come from
Chartered banks
Canada's major banks - full-service lenders with branch networks and bundled products.
Monoline lenders
Broker-channel specialists (e.g. MCAP, First National, CMLS) that focus purely on mortgages, often with sharp rates.
Credit unions
Member-owned, provincially regulated lenders - sometimes more flexible on qualifying.
Trust companies
Specialty lenders for unique situations and alternative income.
Alternative (B) lenders
Equity-focused options for self-employed, bruised credit, or non-standard income.
Private lenders
Short-term, equity-based financing as a bridge back to traditional terms.
The advantage of shopping the panel
A single lender can only offer their own products. By comparing across the panel, we match your profile - credit, down payment, income type, and goals - to the lender most likely to approve you at the best terms, then handle the paperwork end to end.
Lender categories are illustrative. Specific lender availability, products, and rates depend on your profile and are confirmed during your application.
Ready to make your mortgage work for you?
Pre-approval takes minutes, with no impact to your credit score.