One mortgage application. Competing lenders.

We are under construction. Check back for an amazing application experience

Take control of the mortgage application process. Shop multiple lenders at once. No Broker filter.

According to RBC's CEO there is "ruthless competition" amongst lenders for your mortgage. Ready to shop multiple lenders at once and find out?

Fill out our single application, tailored by our AI to your unique circumstances. Our AI technology matches you with multiple competing lenders who are in the market for your mortgage. No more guessing. No mortgage broker filtering your results.

Get multiple offers directly from lenders competing for your business. Within 48 business hours.

Our unique process is 100% anonymous and confidential until you select your terms. Details below. Offers do not affect your credit score.

Click on your mortgage type below to get started

Recieve multiple proposals directly from lenders, while staying anonymous. No broker filter

Our broad spectrum of competing lenders includes:

You are anonymous to lenders until you choose to proceed

At Apply, you can confidentially test the waters. No sales calls. No unwanted solicitation.

Lenders require your details, not your name or contact information in order to decide on your application.

After you submit an application and review your offers, only the lender you chose receives your name and contact details.

No more guessing where to apply.

And finding your best terms does not affect your credit score.

Lenders compete for your business anonymously. Why?

Lenders put forward their absolute best foot in our marketplace. Why?

At Apply, lenders provide tailored terms to your unique circumstances without putting their name forward first.

If you do choose terms, only the lender you chose receives your name and contact details.

No more guessing where to apply.

And finding your best terms does not affect your credit score.

Lets get you approved

Complicated situation? No problem. Our AI focuses on what makes you unique

At Apply, our AI specializes in complicated situations.

We tailor your application to not waste your time and get the right lenders competing for your unique business.

Self employed? Low credit score? Multiple co-applicants?

Hear from lenders directly, no broker filter.

No more guessing.

And finding your best terms does not affect your credit score.

Co-applicants? BFFs? Your personal data is not co-mingled

At Apply, our AI maintains data safeguards between co-applicant profiles.

Even though you are applying together, co-applicants and guarantors never have access to view each other's data.

Apply together, knowing your data is only available to you.

Finding your best terms does not affect your credit score.

Lets get you approved

Pre-approval? Well this is interesting...

At Apply our AI tailors your pre-approval application to your unique circumstances, and gets the right lenders competing for your unique business.

Here is where it gets really interesting. With multiple pre-approvals in hand, when you are ready, you easily convert your pre-approvals to competing mortgage proposals.

With one button.

Hear from lenders directly, no broker filter.

No more guessing.

And finding your best terms does not affect your credit score.

Get started on your pre-approval here

Not your first Rodeo? Just want your personalized answer, no chit chat?

Its easy to get your unique personalized "just the facts ma'am" from lenders competing for your business. at Apply.

Start when you are ready. Anonymously. At your pace. Leave and come back later.

Find the exact, best, mortgage for you, with no strings attached. No one will call, no one will "just following up for the fourteenth time...."

And it doesn't affect your credit score

Lets get you approved

Oh, it is your first rodeo?

How does this all work? We have the affordability calculators and clearly explained options and process for you.

point 1 affordability calculators

point 2 process

point 3 ratios behind affordability and why they matter and how they are used

point 4 apply from the TTC on the way to work

Complete the application process when it's convenient for you, no appointment(s) necessary. You dont need to meet anyone or keep email addresses

Start whenever you are ready. Anonymously. Take your time. Work at your own pace. Explore your options. Leave and come back later.

Find your best terms without having to meet anyone or fill out multiple applications.

And it doesn't affect your credit score

Mortgage Rates from Across Canada

Today's Best "Posted Rates"

Posted rates are only useful to understand the general level of market rates. Why? If you have strong credit there are lenders offering mortgages below their, or others, posted rates that you likely qualify for.

These change day to day based on lender demand. If you have weaker credit or a complicated situation, you may not qualify with the lender posting best rates--in this case its super important to shop lenders for your unique best rate.