Mortgage Factory strives to provide the best rates, products and services to new and current homeowners across Canada. We believe everyone deserves the opportunity to own their home, and we are about making this process as easy and seamless as possible.
To be a national destination for new and current homeowners. We are continually refining our process, and our brokers, combined with the latest technology and expertise, make the most out of homeownership.
To educate clients on every mortgage option using cutting-edge technology for a unified client experience.
Culture is essential within the Mortgage Factory brokerage. We like to think we’re an easygoing, energetic and hard-working group of friends and family who are passionate about the thing we do, delivering every mortgage option to our clients.
Ambitious, eager and enthusiastic, but always willing to push the boundaries of innovation for our clients.
Mortgage Factory is an independent mortgage brokerage and is not employed by a financial institution. We chose this profession because we recognized the demand for expert financial advice.
Our interest is in securing a mortgage that fits your goals, not the bank’s. Everyone should have all of the information presented unbiased and transparent regarding their finances.
We adhere to the Code of Conduct set out by Mortgage Professionals Canada.
At Mortgage Factory, we prioritize building strong relationships with our clients. We’re on the lookout for talented and passionate professionals who are dedicated to delivering exceptional service.
We empower our employees to chase their ambitions and unlock their full potential. If you’re seeking a challenging and fulfilling career, come join us at Mortgage Factory!
A mortgage brokerage is your personal advocate, while a bank only offers its own products. Brokers work with multiple lenders — banks, credit unions, monoline lenders, and private lenders — to find the mortgage that best fits your financial situation and goals. They provide guidance throughout the process, often saving you time, stress, and money.
A mortgage broker is a licensed professional who acts as an intermediary between borrowers and lenders to help secure a mortgage loan.
Instead of working for a single bank or lender, mortgage brokers have access to multiple loan products from different financial institutions, allowing them to find the best rates and terms for their clients.
What Does a Mortgage Broker Do?
Benefits of Using a Mortgage Broker:
For most clients, there is no cost. Mortgage brokers in Canada are generally paid by the lender, not you. This means you get access to multiple lenders, professional advice, and assistance through the mortgage process without any upfront fees.
Note: Some specialized products or private lending options may involve a fee, but your broker will always disclose this upfront.
Mortgage brokers are usually compensated by the lender after your mortgage is approved and funded. This is typically a small percentage of the mortgage amount.
You usually don’t pay out-of-pocket.
Brokers are incentivized to find the best mortgage for you, because happy clients lead to referrals and repeat business.
Any exceptions (e.g., private mortgages) are disclosed upfront.
We work with a wide range of lenders, including:
Major banks
Credit unions
Monoline lenders
Private lenders
This access gives you more options and competitive rates than going to a single bank branch.
The timeline depends on your situation and lender:
Pre-approval: 1–3 days (sometimes instantly online)
Application and approval: 3–10 business days
Funding/closing: Usually aligns with your purchase date or renewal date
Your broker will guide you through every step to ensure a smooth process.
No! One of the benefits of working with a modern mortgage brokerage is flexibility. Most of the mortgage process can be completed online, by phone, or through email, depending on your preference.
Here’s how it works:
Pre-approval: You can submit documents digitally (income, ID, credit info) without visiting an office.
Application & Documentation: Secure portals and email allow you to send necessary paperwork safely.
Guidance & Questions: Meetings can happen virtually, over the phone, or in person — whichever is most convenient.
Closing: While some documents may require signing in person (with a lawyer or notary), your broker coordinates everything so you don’t have to manage it alone.
Yes! We help clients in a variety of situations, including:
Self-employed or irregular income
First-time buyers
Credit challenges
High debt-to-income ratios
Investment or second properties
We work with lenders who are flexible and experienced in finding solutions tailored to your needs.
More options → Access to multiple lenders, not just one.
Better rates → Brokers often secure lower rates or better terms.
Tailored advice → Your mortgage is structured around your goals, not the bank’s products.
Full support → Guidance from pre-approval to closing, plus ongoing help for renewals or refinancing.
Absolutely! We don’t disappear after closing. We can:
Monitor rates for renewals or refinancing opportunities
Offer advice on prepayments and mortgage strategies
Keep you informed of programs or changes that could save you money
Getting Pre-Approved is as easy as 1-2-3 with our online application
