Canada’s independent consumer mortgage directory

The Canadian mortgage broker directory where placement is not for sale.

Not a rate table. A public list of mortgage professionals, sorted by the city they work in and the kind of file they take on — self-employed, new to Canada, renewals, private. Check anyone’s licence with their regulator before you engage them.

Your enquiry goes to the one broker you choose. We do not sell it on.Free public directory

18 listings70 cities and towns13 provincial and territorial regulators

Placement is not for sale

No broker can buy a higher position, and there is no sponsored slot inside the results. You see who works in your city and takes your kind of file.

Ranked on fit, never on spend

The licence details are on the page

Each listing shows the regulator and licence number the professional gave us — FSRA, BCFSA, RECA, the AMF and the rest. We do not verify any of it, which is exactly why it is printed: so you can check it on the public register yourself.

Shown for all 13 jurisdictions

One broker, no lead auction

You choose exactly who you talk to. What you send goes to that person and stops there — it is never resold to a room full of call centres.

One enquiry, one recipient

Real human guidance

The stress test should not feel like an exam you sit alone.

Qualifying rates, debt-service ratios and a renewal that lands at a different payment than the one you have been making. An independent broker takes your file to lenders you would otherwise have to approach one at a time — and can tell you when the answer is to wait.

Licence and regulator as given, for you to checkRun the stress test yourself

Free calculators, no sign-up

Payment, affordability, CMHC, land transfer tax, renewal and the stress test.

Open the calculators

Tailored to real situations

Whatever your mortgage situation, there is a broker who works on it daily

Not every file fits a bank’s spreadsheet. Browse the specialists who see yours every week. All situations →

Business-for-self income

Self-employed

Write-offs holding your taxable income down? Brokers who work with business-for-self programs and add-back income rather than a T4.

Find self-employed brokers

Newcomer programs

New to Canada

Building Canadian credit from scratch. Brokers who know the newcomer and permanent-resident programs and how foreign assets are verified.

Find new to canada brokers

First purchase

First-time buyer

The First Home Savings Account, the RRSP Home Buyers’ Plan and provincial rebates, explained by someone who does it every week.

Find first-time buyer brokers

Credit rebuilding

Bruised credit

Missed payments, collections or a finished consumer proposal. Brokers who place these files with B lenders without the lecture.

Find bruised credit brokers

Renewal and switch

Mortgage renewal

You do not have to sign the letter your lender sent. Switching to another lender at renewal is usually free and often cheaper.

Find mortgage renewal brokers

Equity take-out

Refinance

Taking equity out to renovate, invest or free up cash flow, with the penalty maths worked out before you commit.

Find refinance brokers

Rolling debt in

Debt consolidation

Rolling high-interest cards and loans into the mortgage. Brokers who show the total cost, not only the lower monthly payment.

Find debt consolidation brokers

Investment property

Rental property

Duplexes, secondary suites and small multiplexes, where how a lender treats rental income decides whether the file works.

Find rental property brokers

Private and MIC lending

Private mortgage

Equity-based lending through private lenders and MICs, for short terms and situations the ratios do not fit. Fees disclosed up front.

Find private mortgage brokers

Build and draw

Construction

Draw mortgages for a build or a gut renovation, released in stages as the work is inspected.

Find construction brokers

Age 55 and over

Reverse mortgage

Tax-free equity for homeowners 55 and over with no required monthly payment. Brokers who will also tell you when it is the wrong answer.

Find reverse mortgage brokers

Closing dates that do not line up

Bridge financing

Your purchase closes before your sale does. Short-term financing that covers the gap between the two dates.

Find bridge financing brokers

Local knowledge

Licensed brokers in your community

Lender appetite, land transfer tax and closing costs all change at a provincial border. Start where you are buying.

All of Canada Ontario British Columbia Alberta Quebec Manitoba

Toronto

FSRA

Ontario · 9 listings

Barrie Brampton Burlington

Browse Toronto brokers →

Mississauga

FSRA

Ontario · 8 listings

Kitchener London Markham

Browse Mississauga brokers →

Vaughan

FSRA

Ontario · 5 listings

Milton Oshawa Windsor

Browse Vaughan brokers →

Hamilton

FSRA

Ontario · 4 listings

Browse Hamilton brokers →

Oakville

FSRA

Ontario · 4 listings

Browse Oakville brokers →

Ottawa

FSRA

Ontario · 4 listings

Browse Ottawa brokers →

Also covered:Calgary, AlbertaEdmonton, AlbertaBurnaby, British ColumbiaKelowna, British ColumbiaRichmond, British ColumbiaSurrey, British ColumbiaAll 70 cities A–Z →

Open directory for mortgage professionals

Are you a licensed broker who wants to be found on your record?

List free. We take no referral cut, no commission and no payment for position, and your profile is never hidden behind a sponsorship. Confirm your email and mobile by code and you are live — your licence details are published as you give them, and consumers are told to check them with your regulator.

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