First-time buyersThe Adekanmbi-Browne family
Brampton, ON$612K · 5% down
Three rejections from the bank in two months. Approved here in nine days.
First-time buyer specialists · Ontario & BCYour first mortgage,
Your first mortgage,
without the panic.
We translate stress-test rules into plain English, shop forty-plus lenders in an afternoon, and stay on the phone until your offer is accepted. No fees to you — ever.
FSRA#13456
Google4.9★ · 340+
Lenders40+ network
★ Just funded · Hamilton
Closed in 18 days
The Patel Family · $640K · 5% down
Today’s lowest
4.79%5-yr fixed
Updated 9:14 AM · refreshed every 4 hours from 40 lenders
$2.4B
Funded since 2018
9 days
Median pre-approval
40+
Canadian lenders
4.9★
Across 340 reviews
Recently funded · last 60 days
Three families.
Three banks said no.
Every story is published with explicit consent. Names changed at the family’s request. The numbers and timelines are real.
First-time buyers
Move-up buyersThe Tremblay family
Surrey, BC$1.18M · 20% down
Bridge financing arranged in 72 hours so they didn't lose their offer.
Self-employedThe Cheung family
Mississauga, ON$580K · 10% down
Two-year T1 history was enough — bank wanted three. Approved in 11 days.
Live · refreshed 9:14 AM
Today’s lowest rates
across 40 lenders.
5-year fixed
4.79%
Insured · OAC-0.10
5-year variable
5.10%
Prime −0.95%—
3-year fixed
4.94%
Best for short term-0.05
HELOC
6.45%
Prime +0.40%—
▸ 90-second estimate
Two numbers
and you’re moving.
Drop in your household income and what you’ve got for a down payment. The number that comes back is honest about its precision — the real one comes from the broker call.
No credit pull · no email gate · no follow-up sequence
Estimated price ceiling
$460,000
About $2,212/month at 4.49% over 25 years
Get instant approval · 90 seconds
See exactly what you qualify for. Without the bank stall.
Eight short questions tell us what you can borrow, what payment fits, and which lender on our panel matches your profile. No credit check until you tell us to pull one.
- Soft-prequal — no credit ding, no obligation
- We shop 40+ lenders, you see the top 3 by rate + fit
- If you fit, you'll have a written approval in 24 hrs
Step 1 of 813%
Get started
What are you looking to do?
Tell us why you're exploring a mortgage — we'll tailor the rest to your situation.
We don't run a credit check. Nothing is shared with any lender unless you ask us to connect you.
▸ Why first-time buyers pick us
Four things banks won’t do
because they don’t have to.
We get paid by lenders, not you.
Standard broker compensation. You pay zero fees, ever. We tell you which lender pays us how much before you sign anything.
Pre-approval in three days, median.
Most banks take three weeks. We push three calendar days because conditional offers are how the deal gets won.
40+ lender network.
Big banks, monolines, B-lenders, credit unions. We shop the whole market in an afternoon — including non-conforming income lenders.
Real humans, real phone numbers.
You get one broker, one underwriter, one closing coordinator. Same three people start to finish. Saved cell numbers, not a help-desk ticket.
“Twenty minutes in I knew exactly what we could afford. Twenty days later we had keys.”
— Sara & Marcus, Hamilton
▸ The Maple Crest roadmap
The journey,
mapped end-to-end.
Three deliberate stages, no surprises. Average start-to-keys is forty-one days for a first-time buyer with a clean file.
01
Plain-English plan
Down payment math, stress-test math, what your number actually is. Twenty minutes on a video call.
02
Lender shop
Forty lenders, one underwriter conversation. We come back with three offers and a recommendation.
03
Hands-on close
Same broker walks the file all the way through. We're on the closing call, every time.
▸ Side-by-side
The Maple Crest way
vs the bank way.
The Maple Crest way
What you get
Going to the bank
What you settle for
40 lenders, one conversation
1 lender, theirs
3-day median pre-approval
2–3 weeks for the same paperwork
Zero fees to you, ever
Application fees, sometimes appraisal
We tell you which lender pays us how much
Compensation isn’t disclosed
Same three people, start to keys
Re-explain to a new agent every call
Open Sundays during peak season
Mon–Fri, 9–5
▸ Real members · Q1 2026
Three closings,
three different stories.
“I called Maple Crest at 9 AM Saturday. By Monday at noon I had three pre-approval letters. The bank had asked me for a return call “sometime next week.””
Aaron K.
First home · Burlington
“Three banks said no because of how my income reads. Maple Crest got me approved at a B-lender, and my broker walked me through the renewal exit ramp before I signed.”
Priya S.
Self-employed · Toronto
“I was about to renew with my current lender at 5.4. Maple Crest got me 4.8 with a different lender and ran the numbers showing I’d save eleven thousand over the five-year term.”
Daniel M.
Refinance · Mississauga
Tool
Affordability calculator
What price ceiling does your income support? Three minutes, no credit pull.
Run the affordability checkTool
Stress test simulator
We run today’s qualifying rate against your real numbers. Pass or fail, no fudging.
Run the stress testTool
Refinance vs renewal
Side-by-side break-even math on swapping lenders versus staying put.
Compare options▸ Common questions
Asked by buyers
who eventually signed.
Do you charge any fees?
No. Standard broker compensation is paid by the lender. Our typical first conversation is a free 30-minute video call, and you'll never see an invoice from us.
How long does pre-approval take?
Median is three calendar days from completed application to pre-approval letter. With a self-employed file we plan on five to seven days; with a clean T4 file we've turned same-day.
What if my credit score is under 680?
We work with B-lenders and credit-rebuild specialists. Below 680 the rate goes up and the lender pool shrinks, but the door is rarely fully closed — call us first.
Are you licensed where I am?
We're licensed in Ontario (FSRA #13456) and British Columbia (BCFSA equivalent). We refer out to vetted partners in other provinces.
Ready to see what
you actually qualify for?
Twenty minutes on a video call. We’ll be honest about whether the numbers work — and if they don’t today, we’ll tell you what to do over the next twelve months so they will.
