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Mortgage Factory is a mortgage brokerage that helps homeowners and buyers secure the best financing options from top lenders across Canada, all in one place.

Mortgage Factory


Our Services

We know that all lenders are not created equal – there are different products, qualifying criteria and fine print. That’s why we tailor our approach to ensure you get the right mortgage.

Our expert knowledge will help you find the perfect mortgage for your needs. From start to finish, we guide you every step of the way so you can be confident that your investment is secure and on track toward being mortgage free.

Home Buyers

Home Buyers

Mortgages for prospective homebuyers. Those who are purchasing their first home and those who are moving into another home or investing.



Mortgages for homeowners who are renewing or refinancing for their next big project or looking to save on interest.


Canada's Top
Mortgage Lenders

Our Mortgage Lenders specialize solely in mortgages. This means a low competitive interest rate for you. We have a network of Credit Unions, that offer unique mortgage options and brick-and-mortar banks to offer our clients even more mortgage options. With more lenders, we have more options that suit you.


Latest Interest Rates

Fixed Closed

Popular rates for Purchase and Switch Mortgages. Closed term, Fixed rates.¹

3-Year Fixed
5-Year Fixed

Variable Closed

Popular rates for Purchase and Switch Mortgages. Closed term, Variable (VRM) and Adjustable (ARM) rates.¹

5-Year VRM
5-Year ARM
P -1.00%
Qualifying Rate²
Bank of Canada
Overnight Rate³
Bank of Canada
Prime Rate³
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Why M Factory


Mortgage Factory

Mortgage Factory has an extensive network of Canadian banks and lenders to secure your mortgage and get the best rate, privileges, and perks. Our streamlined process ensures a great experience that saves you time and money.


Explore Our Tools

Mortgage Calculator

Mortgage Calculator

Mortgage Lenders

Mortgage Lenders

Credit Score

Credit Scores 101

Broker Advantage Button

Broker Advantage


Join Our Team!

At Mortgage Factory, we’re committed to building strong relationships with our clients. We seek talented and passionate professionals dedicated to providing the best possible service.

We believe in empowering our employees to pursue their ambitions and reach their full potential. If you’re looking for a challenging and rewarding career, join us at Mortgage Factory!

Are You A Mortgage Agent?


Mortgage News

Too Early For Rate Decrease: Bank Of Canada

Too Early For Rate Decrease: Bank of Canada

The Bank of Canada’s Governing Council is hesitant to pinpoint when they might begin easing interest rates, as indicated in the summary of discussions from their January 24 meeting.

Mortgage Porting Bring Your Mortgage With You

Mortgage Porting: Bring Your Mortgage With You

Suppose you are committed to a five-year mortgage term with two years left until renewal. However, recent changes in your life, such as a new job offer requiring relocation or the need for more space due to a growing family, necessitate an early exit from

Real Estate Upswing In December

Real Estate Upswing in December

After an uneventful November and the tension of a cooling year-end market, the national real estate figures for December have defied expectations. A surprising upswing of 8.7% monthly compared to November, with 38,135 property transactions. On an annual basis, sales activity saw a 3.7% increase.

Legal Disclaimer

¹ The lender offers personal lending products and residential mortgages and is subject to those lending criteria, terms and conditions. Offers may be changed, withdrawn or extended at any time without notice. Interest rates are provided for information purposes only.
² OSFI’s guideline B-20 sets the minimum qualifying rate for mortgages. It is the greater of the contractual mortgage rate plus two percent or the five-year benchmark rate published by the Bank of Canada.
³ Bank of Canada’s published rate values.


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