Mortgages, compared free.

Mortgages with therates you actually qualify for.

Link your bank in seconds. Compare rates from 12 Canadian lenders. Submit your application, all in one place. We don't charge fees. Lenders pay us when you close.

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Live affordability · sample

$1,184,200

5-year fixed at 4.79% · 25-year mortgage · 20% down

Estimated monthly payment
$5,612
Down payment
$236,840
Land transfer tax (ON + Toronto)
$36,420
Stress-test rate used
6.79%

Banks test whether you could still afford payments if rates rose. That's the rate they use.

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How it works

Three steps,one approval letter.

We do the boring math. You sign one application, lenders compete, and you get an approval letter you can show your realtor.

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  1. 1

    Link your bank

    30 seconds via Stripe Financial Connections. Read-only, never your password.

  2. 2

    We score your affordability

    We use the bank safety test, your income and debts, and a credit check (with your permission) to work out what you can afford.

  3. 3

    Lenders compete · pick the offer

    12 Canadian lenders compete for your business. You see the total cost — not just the interest rate.

Lenders

Big banks, credit unions and specialist mortgage lenders.

Best 5-year fixed rate

Insured · 25-year mortgage · today

Pre-approval

Median turnaround for complete files

FAQ

Mortgage questions, demystified.

  • EstatePulse is not a licensed mortgage broker or lender. We connect you with FSRA-licensed broker partners and lenders in Ontario. The rate comparison shown is illustrative until a licensed agent confirms it.

FSRA disclaimer

EstatePulse is not licensed by the Financial Services Regulatory Authority of Ontario (FSRA) as a mortgage broker, mortgage agent, or mortgage administrator. Mortgage products are arranged through licensed broker partners. Rates shown are illustrative estimates and are subject to qualification, lender approval, and applicable terms. Before signing any mortgage commitment, consult a FSRA-licensed mortgage agent.

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No credit check. No commitment. Just an honest number based on your actual finances.

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