52 lenders. One platform.

Every lender on our panel — A through specialty — with the rate-shopping logic already built in. Most brokerages have direct access to 8–15 lenders. We have 52.

01 / 06

Big 6 banks

Best rates for clean A-tier files. Salaried T4, 20%+ down, 700+ FICO. Slowest underwriting but most aggressive in promo windows.

RBCTDScotiaBMOCIBCNational Bank

02 / 06

Monolines

Broker-channel only — no retail branches. First National, MCAP, CMLS, RFA, Equitable. Smoother on self-employed and complex income.

First NationalMCAPCMLSRFAEquitableStriveMERIXManulife

03 / 06

Credit unions

Provincially-regulated, no federal stress test on switches. Member-owned. Patronage rebates. Province-specific.

MeridianVancityDUCAServusCoast CapitalAffinityFirst WestConexus

04 / 06

B-lenders

Alt-A and Tier 2. Bruised credit, new-to-Canada, declared income, foreign income, inconsistent employment. ~150–250 bps over A-lender.

EquitableHome TrustHometrustB2B BankMCANHaventree

05 / 06

Private / MIC

1st and 2nd-position private capital. 6-24 month terms. Bridge, construction, ALT-B/C borrowers, equity take-out, post-bankruptcy.

FisgardAntrimAGF TrustRomspenCMICalvert

06 / 06

Specialty (3)

Specific niches: cross-border (Canadian Snowbird), foreign-national (Brookfield), and cottage / second-home (Northwood Mortgage).

BrookfieldCanadian Snowbird MortgageNorthwood

The right lender depends on your file.

Run your scenario through the rate hunt to see which lenders fund you and at what rate. No credit pull. Sub-60-second turnaround.

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