Welcome to Apply Financial, Canada’s mortgage marketplace™
One mortgage application opens the door to multiple competing lenders
Confidentially shop for your best options, with no mortgage broker filter.
No sales calls. No credit impact.
Confidentially shop for your best options, with no mortgage broker filter.
No sales calls. No credit impact.
One mortgage application opens the door to multiple competing lenders
Follow the AI Path
Provide the key details needed for lenders to create preliminary terms.
Review Your Options
Within 48 business hours, lenders send refinance proposals directly to your account.
Choose Your Best Fit
After 24 hours, log in to review your options and select the best lender and terms.
Connect & Finalize
Your chosen lender contacts you directly to complete the process—without affecting your credit score.
Start your refinance application
Ready to get started? Let’s find your best mortgage refinance terms.
Have pre-approvals with us
Convert your pre-approval to an application for your specific property here
Looking for Pre-approval? Start Here
Note:
Keep in mind, as this is a refinance, there may be ‘breakage costs’ to early terminate your existing mortgage. Please check with your existing lender to understand the potential cost. As an estimate refer to our Breakage Cost calculator in our Tools
To hear from our market experts or understand the entire process.
Friendly, real-time support available at 1-866-808-9388.
No one will call you unless you ask us to.
Friendly, real-time support available at 1-866-808-9388.
No one will call you unless you ask us to.
Why use Apply Financial, Canada’s mortgage marketplace?
Access Top Lenders
With one personalized adaptive application, reach Canada’s most competitive lenders. Without affecting your credit score.
Your Privacy Protected
No sales calls. We keep you anonymous until you choose to act. If you move forward, only that lender receives your contact info—no unwanted calls.
Competitive Lenders
Watch lenders compete for your mortgage.
Finding the Right Lender,
Made Simple
Made Simple
Complete our single AI-tailored form, and let our AI identify lenders best suited to your specific circumstances. We securely provide your application to all of these lenders to compete for your business. Apply at our many lenders at once, and have preliminary offers in 24 hours.
Our Competing Lenders Include
