Save on yourmortgage.
Bring us a written offer from a big bank. We’ll try to beat it. If we can’t, we pay you $500. Conditions apply.
100+ lenders compared. One application.
No credit pull · No broker fee · Results in seconds
What brings you here today?
Choose where you’re at. We take it from there.
I’m buying a home
Pre-qualify in 5 minutes. Your advisor checks the numbers before you write an offer.
I’m renewing
Your renewal rate is negotiable. We benchmark it against the whole market — same day.
I want to refinance
Consolidate debt, tap equity, or drop your rate. One application. We shop across lenders.
Recognition
Canada’s Fastest Growing Mortgage Brokerage.
What our clients say.
Real words from Canadians we've helped — verified on Google.
“Came in nervous — knew nothing about mortgages. My advisor walked me through everything, found a rate I hadn't seen elsewhere, and we closed in 21 days. Would recommend to anyone buying their first home.”
“Renewal letter came in at 5.54%. My advisor benchmarked it the same day and got me 4.91% — same lender. Four days, no stress, $280 less a month. Wish I'd called sooner.”
“Self-employed for 8 years. Every lender said no. Mortgage Squad found a credit union that looked at my actual income and closed at a fair rate. Maya answered my questions at midnight — that alone was worth it.”
“Competing in Toronto's market is brutal. My advisor had a pre-approval ready in 24 hours and locked in the rate while I was still negotiating. We won the bid.”
“New to the whole process. My advisor broke down every term, every fee, every step. Never felt rushed or confused. Got a great rate on our first home and couldn't be happier.”
“Wanted to pull equity for a renovation. Advisor ran three scenarios — HELOC, refinance, second mortgage — and explained each one. Picked the right fit, saving $290 a month now.”
“Assumed renewal was automatic. My advisor showed me it's actually a negotiation. Switched lenders, same term, $180 less a month. Took 20 minutes. Everyone should make this call.”
“Investment property purchase — tighter qualifying rules, higher down payment. Advisor navigated every requirement without a single hiccup. Second property, smoother than the first.”
“Maya answered all my stress-test questions at 11pm before I'd even booked a call. Had a pre-approval letter ready before the open house. Genuinely blown away by how fast this moved.”
“Called four days before our renewal deadline in a panic. Advisor called back within the hour, found a better rate, had everything signed by end of day. Absolute lifesaver.”
“Self-employed with fluctuating income — the lenders you'd normally go to aren't the right ones for that. My advisor knew exactly who to approach. File closed in 11 days.”
“Handled entirely remotely. File went to a licensed broker in BC through their partner network — seamless handoff, great communication, excellent rate. Would use again without hesitation.”
Three steps to a better mortgage.
Your advisor is on your file from first call to keys in hand.
Start your pre-approval in about 5 minutes, or ask Maya a quick question first. No credit pull to begin.
Your advisor finds your best fit across banks, credit unions, and monolines — including ones you can’t walk into.
Bring us a big bank's written offer. We'll try to beat it. If we can't, we pay you $500.¹
Why work with a broker instead of your bank?
Your bank has one shelf of products. We have the whole market.
Banks sell their own products. We compare the full market — banks, monolines, credit unions, and private lenders you can’t walk into.
A sharper rate saves thousands over your term. We go back to lenders on your behalf — that’s the job.
First-time buyer, self-employed, bruised credit — we match you to the right lender, not just the easiest approval.
On most residential mortgages, the lender pays our fee — not you. Licensed under FSRA #13737.
Apply once. We submit to the lenders most likely to approve — no multiple credit pulls, no hunting around.
Renewal coming up? Want to refinance? Your advisor stays in your corner — not just for closing day.
Mortgage Calculators
Calculate your mortgage payments, affordability, closing costs, and more with our free tools.
Illustrative · enter your numbers for an exact figure
Mortgage questions, answered.
The things Canadians ask us most — before, during, and after their mortgage.
Or ask Maya — any hour, any language.
What does a mortgage broker do, and does it cost me anything?
A mortgage broker compares mortgages across 100+ lenders on your behalf, negotiates the rate, and manages the paperwork to closing. On most residential deals the lender pays the broker, so our advice is free to you. See how brokers work.
How much mortgage can I afford?
Lenders usually let your housing costs reach about 39% of your gross income, and all your debts about 44%. They test you at a higher rate: your rate plus 2%, or 5.25%, whichever is higher. Try our affordability calculator with your own numbers.
What is the minimum down payment in Canada?
5% of the first $500,000, plus 10% of the part between $500,000 and $1.5 million. Homes at $1.5 million or more need 20% down. With less than 20% down you pay mortgage insurance. Check yours with our down payment calculator.
Can I get a mortgage if I'm self-employed or have bad credit?
Often, yes. Some lenders look at your business income, and some work with bruised credit. The rate can be higher, so it pays to compare. See self-employed mortgages and bad credit mortgages.
Is a mortgage broker better than going to my bank?
Your bank can only offer its own rates. A broker shops the whole market — banks, credit unions, and alternative lenders — so you compare many offers instead of one. That competition is what tends to save you money over the term.
I’m a first-time home buyer — where do I start?
Start with a pre-approval so you know your budget and can hold a rate. We walk you through the down payment, closing costs, and first-time-buyer programs. See our first-time buyer page or run the affordability calculator.
My mortgage is up for renewal — should I just sign the bank’s letter?
Rarely. The first renewal offer is usually not the lender’s best rate. We benchmark it against 100+ lenders, and a switch or rate-match often saves hundreds a month. See mortgage renewal.
Fixed or variable rate — which should I choose?
It depends on your risk tolerance and the gap between rates. A fixed rate gives certainty; a variable mortgage can cost less if interest rates fall. A mortgage specialist will model both on your numbers — compare live mortgage rates first.
How do I become a mortgage agent in Ontario?
Finish an FSRA-approved Mortgage Agent Level 1 course, pass the exam, and join a licensed brokerage that will sponsor you. Then apply for your licence with FSRA. We sponsor new agents. See careers and our agent course page.
Do you serve Toronto and the GTA?
Yes. We’re an Ontario-licensed brokerage (FSRA #13737) headquartered in Vaughan, serving Toronto, Mississauga, Brampton, and the entire GTA. We also serve clients across Canada through our partner network.
We’ll try to beat your rate.
If we can’t, we pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply