Your Best Mortgage Rate, Found for You
Purchase, refinance, renew or unlock equity. Answer a few questions and we match you across 30+ lenders with a licensed advisor by your side, no obligation, no pressure.
- No obligation, no impact on your credit score to get matched.
- 30+ lenders compared by a licensed advisor.
- Free calculators, no signup required.
What Do You Want to Do?
Every path takes about two minutes and comes with no obligation.
Access Your Home Equity
Access up to 80% of your home's equity with a second mortgage or HELOC. Compare 30+ lenders with a licensed advisor. No obligation. Brokered by Cannect Inc.
Get started →Get Pre-Approved to Buy
Get a real mortgage pre-approval and lock a competitive rate across 30+ lenders. First-time buyer friendly, free and no obligation. Brokered by Cannect Inc.
Get started →Refinance & Save
Refinance to a lower rate or pull out equity. We run the break-even math and compare 30+ lenders. Free, no obligation. Brokered by Cannect Inc.
Get started →Renew for Less
Don't just sign your bank's renewal. We shop 30+ lenders for a sharper rate, often with a no-cost switch. Free, no obligation. Brokered by Cannect Inc.
Get started →What's My Home Worth?
Get a current market estimate of your home's value and see how much equity you can access. Free, no obligation. Brokered by Cannect Inc.
Get started →Invest in Mortgages
Earn attractive, real-estate-secured monthly income through vetted mortgage investments. RRSP/TFSA eligible. Brokered by Cannect Inc.
Get started →Talk to an Advisor
Have a mortgage question? Get straight answers from a licensed advisor, no obligation, on your schedule. Brokered by Cannect Inc.
Get started →Mortgage Calculators
Run the numbers yourself, no signup, no email required.
Mortgage Payment Calculator
Calculate your monthly mortgage payment by rate, amortization and payment frequency. See principal vs. interest and your full schedule. Free.
Open calculator →Affordability Calculator
Find out how much home you can afford based on income, down payment and debts. Uses current Canadian lending rules and the stress test. Free.
Open calculator →Purchase Calculator
Estimate your down payment, mortgage default insurance and closing costs for a home purchase. Free, no obligation.
Open calculator →Renewal & Refinance Calculator
Compare renewing vs. refinancing your mortgage. See the payment impact of a new rate or pulling out equity. Free.
Open calculator →Amortization Calculator
See your full mortgage amortization schedule and how extra payments save interest. Free amortization calculator.
Open calculator →Mortgage Penalty Calculator
Estimate the penalty to break your mortgage, IRD or three months' interest, before you refinance or sell. Free.
Open calculator →Land Transfer Tax Calculator
Calculate provincial and municipal land transfer tax on your home purchase, including first-time buyer rebates. Free.
Open calculator →Mortgage Stress Test Calculator
Check if you pass the Canadian mortgage stress test. See the qualifying rate and the mortgage your income supports. Free.
Open calculator →Why Borrowers Choose Us
Whole-Market Comparison
We're not tied to one bank. We compare 30+ lenders and bring you the sharpest rate you actually qualify for.
Real Licensed Advisors
A dedicated mortgage professional guides every step, no call centres, no bots.
Fast, Transparent, Free
Get matched in minutes. Our advice is free, we're paid by the lender, not you.
How It Works
Tell Us Your Goal
Answer a few quick questions about your property and plans.
We Shop the Market
We compare lenders and structures to find your best fit.
You Choose & Save
Review your options with an advisor and lock your rate.
Frequently Asked Questions
Does getting matched affect my credit score?
No. Getting matched does not require a hard credit check, that only happens later, with your consent, if you choose to apply.
How much does it cost?
Comparing your options and using the calculators is free. For most residential mortgages the lender pays the brokerage, so there's no cost to you.
Who arranges the mortgage?
Every mortgage is brokered by Cannect Inc., a fully licensed Canadian mortgage brokerage with access to 30+ lenders.
Am I obligated to proceed?
Never. Everything here is no-obligation, you decide if and when to move forward.
Your Mortgage Is in Expert Hands
Every mortgage arranged here is brokered by Cannect Inc., a fully licensed Canadian mortgage brokerage. We chose Cannect as our official brokering partner for their whole-market lender access, genuinely transparent advice, and a technology-driven process that gets borrowers to the sharpest rate faster. Licensed, regulated, and relentlessly borrower-first.