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Canada's Alternative Mortgage Specialists

Your Mortgage.
Your Terms.
100+ Lenders.

Whether you're buying, renewing, or refinancing — Mortgagefy connects you with the right lender at the right rate, even when your bank says no.

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5.0
★★★★★
Google Reviews
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Takes 30 seconds. No credit check required.

Your info is 100% confidential.
100+ Lender
Network
TD Bank
Scotiabank
Desjardins
First National
MCAP
RFA
Equitable Bank
Home Trust
ICICI Bank
CWB Optimum
Meridian
CMLS
Merix Financial
RMG Mortgages
MCAN Mortgage
Pine
Marathon Mortgage
First Ontario
Highclere
Radius Financial
DUCA
Community Trust
B2B Bank
Haventree Bank
Bridgewater Bank
goeasy
Home Equity Bank
Manulife Bank
NPX
Strive Mortgage
Community Savings
KEB Hana
Shinhan
Street Capital
Effort Trust
WFCU
WealthOne Bank
L and M Financial
Luminus Financial
CUA
IC Savings
TD Bank
Scotiabank
Desjardins
First National
MCAP
RFA
Equitable Bank
Home Trust
ICICI Bank
CWB Optimum
Meridian
CMLS
Merix Financial
RMG Mortgages
MCAN Mortgage
Pine
Marathon Mortgage
First Ontario
Highclere
Radius Financial
DUCA
Community Trust
B2B Bank
Haventree Bank
Bridgewater Bank
goeasy
Home Equity Bank
Manulife Bank
NPX
Strive Mortgage
Community Savings
KEB Hana
Shinhan
Street Capital
Effort Trust
WFCU
WealthOne Bank
L and M Financial
Luminus Financial
CUA
IC Savings
24–48hr Turnaround
B & Private Specialists
Est. 2019 Trusted Since
10 Provinces Coast to Coast
Smart Mortgage Solutions

The Right Mortgage for Your Situation. Not Just the Lowest Rate.

Finding the right mortgage means understanding your full financial picture — your income type, credit history, down payment, and long-term goals. At Mortgagefy, we take the time to understand your situation before recommending anything.

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B & Private Lender Access
Equity Based Approvals
24-48hr Fast Approval
Debt ConsolidationSimplify & save more
First-Time Buyer5% down, 100+ lenders
Mortgage RefinancingLower rates or cash out
Mortgage RenewalBetter rates at renewal
Second MortgageAccess your home equity
HELOCFlexible revolving credit
Stop Power of SaleProtect your home, fast
Self-EmployedApprovals for business owners
Alternative MortgageBeyond the big banks
Commercial LendingFinancing for your business
Explore all mortgage solutions
Ready to Find Your Mortgage Solution?

Expert Guidance. Real Answers.

Whether you've been turned down by a bank, need to access your equity, or just want to make sure you're getting the best rate — our team will review your situation and show you exactly what's possible.

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Current Rates

Calculate Your Mortgage in Seconds

See today's best rates and calculate your payment instantly.

Today's Best Rates Live
Updated daily — best available rates
Term Rate From
6 Month Fixed
5.14% →
1 Year Fixed
4.84% →
2 Year Fixed
4.44% →
3 Year Fixed
4.24% →
4 Year Fixed
4.29% →
Most Popular 5 Year Fixed
4.19% →
5 Year Variable
4.35% →
5 Year Open
6.75% →
Get Pre-Approved Now → Speak with an Expert
Mortgage CalculatorEstimate your monthly payment
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$2,108
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Trusted by Canadians — licensed mortgage professionals
Limited Time Offer

Exclusive Promotional Rates

Apply through Mortgagefy by May 31, 2026 and unlock specially negotiated rates below market.

3 Year Fixed
4.24%Save 0.35%
3.89%
Annual Rate
Claim This Rate →
5 Year Fixed
4.19%Save 0.40%
3.79%
Annual Rate
Claim This Rate →
5 Year Variable
4.35%Save 0.30%
4.05%
Annual Rate
Claim This Rate →

*Promotional rates are available to well-qualified applicants on eligible residential properties. Exclusions may apply. Rates are subject to change without notice and may vary based on credit profile, down payment, property type, loan amount, and lender approval. Not all applicants will qualify. Additional terms and conditions apply. Subject to full application review and approval.

What Our Clients Say

Don't just take our word for it

★★★★★

"I had an amazing experience working with Ivan! From start to finish, they made the entire mortgage process smooth, stress-free, and easy to understand. Their professionalism, transparency, and dedication truly stood out."

Ilya Monahov
Google Review
★★★★★

"Ivan was exceptional in helping us secure our mortgage. He was knowledgeable, patient, and always available to answer our questions. His expertise made the entire process smooth and stress-free."

Mar Crete
Google Review
★★★★★

"Ivan's expertise and dedication have been invaluable throughout our mortgage journey. His professionalism and clear communication made the process seamless. Highly recommend to anyone looking for an agent!"

M. Nikolaev — MNILZK Trade Group
Google Review

Your Bank Said No? Let Us Find a Way.

Quick assessment in 30 seconds — no credit check required.

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FAQ

Mortgage Questions Answered

Everything you need to know about working with Mortgagefy and finding the right mortgage solution.

A non-prime mortgage is designed for borrowers who do not qualify under traditional bank guidelines — due to credit challenges, self-employment income, or recent financial difficulty. We work with lenders who focus on your equity and overall financial picture.

Yes. Being declined by a bank is not the end. We have access to over 100 lenders including B-lenders, MICs, and private lenders who use more flexible approval criteria.

Generally you will need government-issued ID, proof of income (T4s, NOA, or bank statements for self-employed), a property appraisal or MLS listing, and a recent mortgage statement.

Our licensed agents analyze your income, credit history, equity position, and long-term goals before recommending anything. We match you to the lender and product that genuinely fits.

For A-lender approvals, typically 24-72 hours. For B-lender and alternative solutions, 2-5 business days. For emergency situations like power of sale, private lenders can often fund within 5-10 business days.

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