Specialized mortgage solutions for self-employed Canadians and new permanent residents. Free, no-obligation. Broker contacts you in 48 hours.
Bank-advertised rates vs. what our broker network actually gets approved.
| Mortgage Type | Big Bank Rate | Our Best Rate | Monthly Savings* | Details |
|---|---|---|---|---|
| 5-Year Fixed Most Popular | 5.49% | 4.84% | Save $190/mo | Rate locked for 5 years. Best for stability. |
| 3-Year Fixed | 5.29% | 4.64% | Save $189/mo | Good if you plan to renew or sell in 3 years. |
| Variable Rate Flexible |
5.15%
Prime rate: 4.95%
|
4.45% | Save $201/mo | Follows BoC rate changes. Breaks for 3 months interest. |
| Self-Employed No T4 Needed |
DECLINED
Big banks typically decline
|
5.39% | Get approved | Bank statement income accepted. 2 years self-employed. |
| New Immigrant 10% Down OK |
DECLINED
Big banks typically decline
|
4.99% | Get approved | No Canadian credit history required. PR/work permit. |
*Estimated savings on a $500,000 mortgage, 25-year amortization. Rates subject to qualification and change without notice.
The two groups big banks consistently turn away — and where our brokers specialize.
2.9 million self-employed Canadians. Most get rejected by big banks because T4 income doesn't reflect real earnings.
Arrived in Canada recently? No Canadian credit score yet? You still qualify for a mortgage with the right lender.
Three steps. No credit check. Completely free.
2-minute form. Tell us your situation. No credit check required to apply.
We connect you with a licensed broker who specializes in your specific situation.
Broker contacts you within 48 hours with real rate options. No obligation to proceed.
Takes 2 minutes. Our service is 100% free — licensed brokers pay our referral fee, not you.
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