Send a message

Tell us what you are trying to do and we will get back to you.

No obligation and no credit check at this stage. Approvals are OAC.

What happens when you get in touch

  1. We reply, usually the same business day. A real person reads what you sent. There is no call centre and no queue.
  2. A short conversation about your situation. Fifteen to thirty minutes by phone or video, whenever suits you. We ask what you are trying to do and what your income, debts and timeline look like.
  3. We tell you where you stand. Honestly, including when the answer is that you should wait, fix something first, or do nothing at all.
  4. Only then, an application. If it makes sense to proceed, we tell you exactly which documents are needed and give you a secure way to send them.

No obligation and no credit check to begin. We do not pull your credit until you have asked us to and understand why.

Worth having to hand

None of this is required to talk to us, and you should not delay getting in touch to gather it. It simply makes the first conversation more useful.

  • Roughly what you earn, and how it is paid: salary, hourly, commission, self-employed
  • Roughly what you owe: car payments, credit cards, student loans, any existing mortgage
  • What you have available for a down payment, and where it is coming from
  • Your timeline, even if it is vague
  • If you already own, when your current term ends

Do not send income documents, banking details or anything with your Social Insurance Number through the message form. It is not a secure document channel. We will give you one when it is needed.

Who we can help

We arrange residential mortgages on properties across Ontario, entirely online. That covers buying, renewing, refinancing, borrowing against equity, and the situations that conventional lenders find awkward, such as self-employed income, a thin credit file or a property that needs work.

Because we are a brokerage rather than a lender, a single conversation reaches the whole market: banks, credit unions, monoline lenders, alternative lenders and private funds. If we are not the right people for what you need, we will say so rather than waste your time.

Not sure what you are looking for? The mortgages hub groups everything by situation, and the calculators will get you a rough number before you speak to anyone.

All mortgage approvals are subject to lender approval, on approved credit. We do not publish current mortgage rate figures anywhere on this site.