99 + Canadian lenders. One brokerage shopping them all for you.

Canada's largest bank by mortgage volume. Strongest brand recognition, deep branch network, and aggressive on insured first-time-buyer pricing. Our broker channel typically prices 15-30 bps below RBC's walk-in branch rate.

TD Canada Trust

Canada's second-largest mortgage lender. Strong on collateral-charge mortgages (built-in HELOC), competitive on rate-match retention, and broad accept for self-employed full-doc files. Known for the longest renewal-letter lead time.

Scotiabank

Industry leader on newcomer mortgages via Scotia StartRight — among the most flexible major banks for permanent residents and work-permit holders. Strong investment-property lender with the Scotia STEP readvanceable program.

BMO Bank of Montreal

Canada's oldest bank. Competitive on standard A-lender purchase and renewal. The BMO NewStart newcomer program is one of the most accessible for PRs and work-permit holders in the Big-6.

CIBC

Strong on rate-match retention and competitive renewal pricing. The CIBC Wealth Builder program targets affluent borrowers with bundled mortgage + investment + line-of-credit pricing.

National Bank of Canada

Canada's sixth-largest bank, strongest in Quebec. Competitive newcomer program (NBC Newcomer), good underwriting flexibility on Quebec-specific files, and the All-in-One readvanceable mortgage (similar to Manulife One).

Canadian Western Bank

Schedule I bank focused on Western Canada — strong in Alberta, BC, Saskatchewan, and Manitoba. Excellent on self-employed and BFS files. Owns Optimum Mortgage (alt-A arm) and Bridgewater Bank (broker-channel arm). National Bank acquired CWB in 2025.

Laurentian Bank

Quebec-based Schedule I bank with national broker-channel reach via B2B Bank (subsidiary). Standard A-lender residential plus a deep commercial real-estate desk. Strongest market presence in Quebec.

ATB Financial

Alberta's provincial Crown financial institution (not a chartered bank but operates similarly). Provincially regulated, so qualifies many files at contract rate. Strongest Alberta market share outside the Big-6.

Tangerine

Scotiabank's online subsidiary (formerly ING Direct Canada). Schedule I bank. Competitive insured mortgage pricing for digitally-comfortable borrowers. Limited branch footprint — almost entirely online + cafe locations.

Simplii Financial

CIBC's online direct-banking brand (formerly PC Financial). Offers mortgages backed by CIBC's underwriting. Good for digitally-comfortable borrowers wanting standard A-lender pricing without branch visits.

ICICI Bank Canada

Schedule II Canadian subsidiary of India's ICICI Bank. Strong for newcomers from India and the South Asian diaspora — accepts Indian credit history through international credit bureaus. Competitive on documented full-doc files.

Wealth One Bank of Canada

Schedule I bank chartered to serve Chinese-Canadian and Asian-Canadian communities. Multilingual underwriting (Mandarin, Cantonese, English). Competitive on insured + insurable A-lender files with international-credit-friendly underwriting.

A-lender monolines

A-lender monolines (19)

Broker-channel non-bank funders. Typically 10-25 bps below the Big-6 on insured + insurable purchases.

MCAP

Canada's largest non-bank mortgage funder. Typically prices 10-25 bps below the Big-6 on insured purchases. The MCAP Eclipse program is one of the few alt-A monoline programs at competitive rates. Broker-channel only.

First National

Largest broker-channel monoline by volume. Excellent on prime insured + insurable files, with consistent execution and predictable underwriting. The Excalibur program is one of the best uninsured alt-prime offerings.

RFA Mortgage Corporation

Strong broker-channel monoline with competitive insured + insurable rates. RFA Capital (the parent) also runs alt-A and private-debt arms, giving them a multi-tier product set under one corporate umbrella.

Merix Financial

Broker-channel monoline known for transparent rate sheets and 30-year amortization availability on uninsured purchases. Strong on first-time-buyer files and clean A-lender renewals.

CMLS Financial

One of Canada's largest independent mortgage finance companies. Active in both residential and commercial, with strong CMHC MLI Select multifamily expertise.

Strive Capital

Newer broker-channel A-lender focused on prime insured + insurable purchases. Quick to commit on clean files. Backed by major institutional capital.

B2B Bank

Laurentian Bank's broker-channel arm. Active in standard A-lender mortgages with a focus on file flexibility — newcomer files, complex income, and 30-year amortization on uninsured.

Manulife Bank

Best known for Manulife One — Canada's flagship all-in-one readvanceable mortgage product that combines a chequing account, mortgage, HELOC, and savings in one. Strong fit for high-income, financially-organized borrowers.

Marathon Mortgage Corp

Mid-size broker-channel monoline. Aggressive on insurable transfers and competitive on insured purchases. Smaller volume means faster turnaround on clean files.

Radius Financial

Broker-channel monoline focused on insured + insurable A-lender mortgages. Now part of First National's family of brands. Known for predictable underwriting and clean rate sheets.

Lendwise

Broker-channel A-lender funded by Concentra Bank (now Equitable). Competitive on insured + insurable purchases with modern broker portal and tech-forward submission workflow.

Bridgewater Bank

Schedule I bank and broker-channel arm of Canadian Western Bank. Focused on prime insured + insurable A-lender residential mortgages with predictable execution. Strong in Western Canada.

Optimum Mortgage

Canadian Western Bank's specialty alt-A and BFS lender. Strong on stated-income BFS files, newcomer programs, and rental-income files. Useful exit ramp from clean B-lender files back to A-pricing.

Pine

Canada's leading digital mortgage lender. Direct-to-consumer model with funding partnerships across major Canadian institutions. Modern application UX, rate transparency, and quick commitments on clean A-lender files.

Nesto

Quebec-based digital mortgage broker and lender. Direct rate-shopping model with proprietary technology. Strong on insured + insurable A-lender files; bilingual French + English service.

True North Mortgage

National mortgage broker that operates THINK Financial — a direct A-lender. Aggressive on insured pricing with a no-frills rate-focused model. Strong Western Canada presence with national broker network.

THINK Financial

Direct mortgage lender funded by True North Mortgage's broker network. Specialty insured + insurable A-lender pricing; broker-channel only via True North.

iA Financial Group

Industrial Alliance — major Quebec-based financial services group. Operates iA Auto Finance, iA Trust, and a residential mortgage program through broker channels. Bilingual French + English service across Canada.

IG Wealth Management

Investors Group — major Canadian wealth manager offering mortgage products to existing wealth clients. Bundled mortgage + investment + insurance pricing for affluent borrowers. Power Corporation–owned.

Credit unions

Credit unions (24)

Provincially regulated; many qualify at contract rate (no stress test). Strong for borrowers at the edge of affordability.

Meridian Credit Union

Ontario's largest credit union. Provincially regulated, so qualifies many files at contract rate (no OSFI B-20 stress test). Strong for borrowers at the edge of affordability and for self-employed files banks decline.

Vancity

BC's largest credit union and one of Canada's most progressive community-banking institutions. Provincially regulated; flexible on income and credit profile. Strong climate-action and affordable-housing lending mandate.

FirstOntario Credit Union

Ontario credit union serving Hamilton, Niagara, and surrounding Golden Horseshoe markets. Provincially regulated, with flexible underwriting and strong community ties.

Coast Capital Savings

BC's second-largest credit union. Federally regulated (since 2018) so the stress test applies, but underwriting is more flexible than Big-6 banks on self-employed and irregular-income files.

Servus Credit Union

Alberta's largest credit union. Provincially regulated; flexible on income documentation. Strong for Alberta files including farm-adjacent residential.

Innovation Credit Union

Saskatchewan's largest credit union. Provincially regulated with strong rural and agricultural mortgage expertise. Federal financial-institution charter pending which would extend reach across Canada.

Desjardins

Canada's largest financial cooperative and Quebec's dominant retail lender. Provincially regulated in Quebec; competitive A-lender residential pricing with strong Quebec presence. Operates across Canada via Desjardins Ontario Credit Union.

DUCA Credit Union

Ontario credit union with strong Toronto-area presence. Provincially regulated, so qualifies many files at contract rate. Flexible self-employed underwriting and member-first service model.

Libro Credit Union

Southwestern Ontario credit union serving London, Windsor, and the surrounding region. Provincially regulated with strong agricultural and farm-residential expertise alongside standard residential.

Alterna Savings

Ontario credit union with national federal bank arm (Alterna Bank). Provincially regulated credit-union side qualifies at contract rate. Federal arm extends digital lending nationally.

Steinbach Credit Union

Manitoba's largest credit union by deposits. Provincially regulated; aggressive on residential mortgage pricing and strong on rural Manitoba files. Member-owned, conservative underwriting.

Cambrian Credit Union

Manitoba credit union with strong Winnipeg market presence. Provincially regulated; flexible on income documentation and self-employed borrowers. Long-standing community banking presence.

Affinity Credit Union

Saskatchewan's second-largest credit union. Provincially regulated; strong agricultural and rural-residential lending alongside standard urban A-lender residential. Cooperative ownership model.

Conexus Credit Union

Saskatchewan credit union with strong Regina and southern Saskatchewan market presence. Provincially regulated; flexible on self-employed and rural-adjacent files.

Prospera Credit Union

BC credit union with strong Fraser Valley and Lower Mainland presence. Provincially regulated; competitive on residential A-lender and self-employed files. Member-owned community bank.

Northern Credit Union

Northern Ontario credit union serving Sudbury, Sault Ste. Marie, Thunder Bay, and surrounding region. Provincially regulated; specialty in resource-sector borrowers and rural Northern Ontario files.

Kindred Credit Union

Southwestern Ontario credit union with values-driven banking model. Provincially regulated; competitive on residential A-lender files with Mennonite-community origins and ethical banking focus.

Kawartha Credit Union

Eastern Ontario credit union serving Peterborough, Kawartha Lakes, and surrounding region. Provincially regulated with strong cottage-country and rural lending expertise.

Tandia Credit Union

Hamilton and Burlington area credit union. Provincially regulated; strong on Steel-Town and Golden Horseshoe residential files. Flexible underwriting on self-employed.

UNI Financial Cooperation

New Brunswick's francophone credit-union cooperative (formerly Caisses Populaires Acadiennes). Provincially regulated; bilingual French + English service across New Brunswick.

East Coast Credit Union

Nova Scotia credit union with multi-branch network across the province. Provincially regulated; strong on Maritime residential files with flexible underwriting.

First West Credit Union

One of BC's largest credit unions — operates under Envision Financial, Valley First, Island Savings, and Enderby & District Financial brands. Provincially regulated with strong BC residential and self-employed expertise.

G&F Financial Group

BC credit union with multi-branch Lower Mainland presence. Provincially regulated; competitive on residential A-lender files and self-employed underwriting.

Westoba Credit Union

Western Manitoba credit union serving Brandon, Portage, and rural communities. Provincially regulated with strong agricultural and rural residential expertise.

Alt-A / B-lenders

Alt-A / B-lenders (8)

For files A-lenders decline: BFS, bruised credit, complex income. Rate premium of 75-150 bps. We map the A-lender exit.

Home Trust

Canada's largest alt-A / B-lender by volume. The Accelerator program serves bruised-credit, BFS, and stated-income files A-lenders won't touch. Rate premium typically 75-150 bps over A-lender, but the file gets done.

Equitable Bank

Major alt-A bank + reverse mortgage lender (PATH). Strong on BFS, self-employed, and complex-income files. The PATH reverse mortgage program is a primary alternative to CHIP for 55+ borrowers.

Haventree Bank

Specialty B-lender focused on alt-A files: self-employed, newcomer, bruised credit, BFS. Strong on 1-year BFS history acceptance — useful for recently-incorporated borrowers.

MCAN Mortgage

Active in both A-lender and alt-A markets. Strong on uninsured A-lender purchases via their broker channel plus a flexible alt-A program for BFS and complex-income files.

Community Trust

Established trust company with strong alt-A and equity-take-out programs. Useful when borrowers need 75-80% LTV on equity-heavy files that A-lenders cap at lower thresholds.

CMI Financial

Canadian Mortgages Inc. — alt-A and private mortgage funder. Active in residential 1st and 2nd mortgages with broker-channel access. Operates both alt-A and MIC arms across Canada.

Indi Mortgage

Broker-channel alt-A platform focused on BFS, self-employed, and complex-income files. Tech-forward submission and underwriting model with national broker network access.

Threepoint Capital

BC-based alt-A and private mortgage lender. Active in residential 1st and 2nd mortgages with equity-based underwriting. Strong on power-of-sale rescues and CRA-debt refinances.

Trust companies

Trust companies (5)

Specialty trust-charter lenders. Useful for power-of-sale, CRA debt, and equity-based files.

Effort Trust

Ontario-licensed trust company specializing in residential alt-A and private mortgages. Faster turnaround than larger banks on complex files. Strong for power-of-sale rescues and CRA-debt refinances.

Computershare Trust Co.

Trust company offering specialty residential lending including self-directed RRSP/TFSA mortgages, registered-plan mortgage administration, and certain alt-A residential. Useful for arm's-length RSP-mortgage structures.

Manulife Trust

Manulife Bank's trust-company arm. Active in specialty residential, registered-plan mortgages, and Manulife One readvanceable mortgages. Often paired with Manulife Bank for sophisticated borrowers.

Olympia Trust

Trust company specializing in self-directed registered plan (RRSP, TFSA, RRIF) administration. Active in arm's-length RSP mortgages — where a borrower's own registered plan funds their mortgage. Niche but powerful for high-net-worth borrowers.

B2B Trust

Laurentian Bank's trust-company subsidiary. Broker-channel residential mortgages and registered-plan administration. Often paired with B2B Bank for newcomer and complex-income files.

MICs + institutional private

MICs + institutional private (21)

Regulated mortgage investment corporations. Active in commercial bridge, construction, and mid-market private.

Trez Capital

One of Canada's largest mortgage investment corporations. Active in mid-market commercial and construction lending. Bridge, mezzanine, and short-term private mortgages with institutional-grade compliance.

Romspen Investment Corp

Canada's largest non-bank commercial mortgage lender. Active across residential development, commercial bridge, and land lending. Common counterpart for sponsored developer files in the GTA.

KingSett Capital

Major Canadian commercial real-estate lender. Focused on institutional-quality multifamily, retail, and industrial financings. KingSett Mortgage Fund participates in MIC-style lending.

Peoples Group

Established alt-A + private-channel lender. Active in residential alt-A, construction, and commercial. Strong BC and Western Canada presence with national coverage.

Fisgard Asset Management

British Columbia–based MIC specializing in 1st and 2nd residential mortgages across BC, Alberta, and Ontario. Equity-based underwriting with fast turnaround on bridge files. Strong on power-of-sale rescue and CRA refinances.

Antrim Investments

Long-standing BC MIC focused on 1st and 2nd residential mortgages. Conservative underwriting with strong equity-based lending model. Reliable on Lower Mainland and Vancouver Island files.

Magenta Capital

Ottawa-based MIC active across Ontario and Quebec. Focused on residential 1st and 2nd mortgages with predictable, broker-friendly execution. Strong reputation for fast turnaround on clean private files.

Neighbourhood Holdings

National MIC with institutional-grade compliance. Focused on residential 1st mortgages across BC, Alberta, Ontario. Active in equity-take-out refinances and bridge lending for clean, equity-strong files.

Calvert Home Mortgage Investment Corp

Alberta-based MIC with multi-decade history. Active across Western Canada with 1st and 2nd residential and small-commercial mortgages. Conservative equity-based underwriting with broker-channel access.

Alta West Capital

Calgary-based private lender funding residential 1st and 2nd mortgages across Alberta and BC. Equity-based underwriting with fast funding on clean files. Useful for power-of-sale rescues and bridge needs.

First Source Mortgage

Ontario-based MIC focused on residential and small commercial 1st mortgages. Active in construction draw lending and bridge financing for short-term needs.

Atrium MIC

TSX-listed mortgage investment corporation (TSX: AI) — one of the largest publicly-traded Canadian MICs. Active in residential and commercial mortgage lending across Ontario, BC, and Alberta with institutional-grade compliance.

Timbercreek Financial

TSX-listed alternative investment manager focused on commercial real-estate debt. Major mid-market commercial bridge lender; active in multifamily, retail, industrial, and mixed-use across Canada.

Centurion Asset Management

Operator of Centurion Apartment REIT and Centurion Mortgage Investment Corporation. Active in multifamily commercial mortgages and apartment-building real-estate investment across Canada.

Westboro Mortgage Investment Corp

Ottawa-based MIC active in residential 1st and 2nd mortgages across Ontario and Quebec. Equity-based underwriting with conservative LTV and broker-channel funding.

VWR Capital Corp

BC-based mortgage investment corporation. Active in 1st and 2nd residential mortgages across BC and Alberta. Equity-based underwriting with broker-channel access and quick funding.

Builders Capital

Specialty construction-mortgage lender focused on residential and small-commercial construction draws across BC, Alberta, and Saskatchewan. Strong on builder + developer financing.

Capital Direct Lending

BC-based private and MIC lender. Active in residential 1st and 2nd mortgages, debt-consolidation refinances, and equity take-outs across BC, Alberta, and Ontario. Direct-to-consumer + broker channels.

Pillar Financial

Mortgage investment corporation active across Ontario residential and commercial bridge lending. Equity-based underwriting with institutional compliance.

Foundation Capital

Ontario-based MIC focused on residential 1st and 2nd mortgages. Strong on equity take-outs and bridge financing with broker-channel access.

Crown Capital Partner Funding

Specialty alternative investment manager focused on mid-market commercial debt and private mortgages. Active across Canada with institutional-grade compliance and reporting.

Reverse-mortgage lenders

Reverse-mortgage lenders (2)

CHIP / PATH 55+ programs. Tax-free equity access with no monthly payments. No-Negative-Equity Guarantee on every file.

HomeEquity Bank (CHIP)

Reverse-mortgage lenders

Canada's leading reverse-mortgage lender. The CHIP Reverse Mortgage offers up to 55% of home value as tax-free cash to homeowners 55+, with no monthly payments. No-Negative-Equity Guarantee included.

Bloom Finance Co.

Reverse-mortgage lenders

Newer reverse-mortgage entrant designed as a CHIP alternative. Offers tax-free home-equity access for homeowners 55+ with competitive rates and digital application flow. No-Negative-Equity Guarantee included.

Private lenders

Private lenders (4)

Individual lenders + smaller MICs. Equity-based, fast funding, used as 6-18 month bridges. All fees disclosed in writing.

Tribecca Finance

Toronto-area private lender focused on 1st, 2nd, and bridge mortgages. Equity-based underwriting with quick funding turnaround. Useful for CRA debt, power-of-sale rescue, and short-term bridge needs.

TLG (The Lending Group)

Private lender focused on residential 1st and 2nd mortgages across Ontario. Equity-based underwriting with fast funding on clean files. All fees disclosed in writing.

Empire Lending

Private mortgage lender focused on residential 2nd and 3rd mortgages across the GTA and Southern Ontario. Equity-based underwriting with same-week funding on clean files.

Mandate National Mortgage

BC-based private mortgage funder. Active in residential 1st and 2nd mortgages across BC with equity-based underwriting. Long-standing reputation in BC private-lending market.

Mortgage default insurers

Mortgage default insurers

Mortgage default insurers (3)

CMHC, Sagen, Canada Guaranty. Not lenders — they insure under-20%-down mortgages for the lender. Premium financed into the mortgage.

CMHC

Canada Mortgage and Housing Corporation — federal Crown corporation. Primary mortgage default insurer in Canada. Premiums financed into the mortgage on under-20%-down purchases. Also operates the MLI Select multifamily program.

Mortgage default insurers

Sagen

Formerly Genworth Financial Mortgage Insurance Company Canada. Private mortgage default insurer; nearly identical pricing to CMHC. Some lenders prefer Sagen for specific file types.

Mortgage default insurers

Canada Guaranty

Canada's only Canadian-owned private mortgage default insurer. Identical pricing to CMHC and Sagen. Strong on BFS and self-employed programs.