99+ Canadian lenders. One brokerage shopping them all for you.
The Canadian mortgage market has more than just banks. Big-6 banks, A-lender monolines, credit unions, B-lenders, trust companies, MICs, private lenders, and reverse-mortgage specialists — each tier prices differently and serves a different file profile. As your broker, we shop your file across all of them.
Big-6 banks (6)
Canada's six largest banks — RBC, TD, Scotia, BMO, CIBC, NBC. Brand recognition, branch networks, broad coverage.
Other banks & direct lenders (7)
Chartered, provincial and direct-to-consumer institutions outside the Big-6 — regional banks like CWB and Laurentian, direct banks like Tangerine and Simplii, and Alberta's ATB. Like the Big-6 they run a consumer-facing channel as well as a lender channel, so there is a rate to compare; coverage is regional and appetite is narrower.
A-lender monolines (19)
Broker-channel non-bank funders. Typically 10-25 bps below the Big-6 on insured + insurable purchases.
Credit unions (24)
Provincially regulated; many qualify at contract rate (no stress test). Strong for borrowers at the edge of affordability.
Alt-A / B-lenders (8)
For files A-lenders decline: BFS, bruised credit, complex income. Rates of 4.69-7.00% as of July 2026 against A-lender pricing of 3.50-4.19%. We map the A-lender exit.
Trust companies (5)
Specialty trust-charter lenders. Useful for power-of-sale, CRA debt, and equity-based files.
MICs + institutional private (21)
Regulated mortgage investment corporations. Active in commercial bridge, construction, and mid-market private.
Reverse-mortgage lenders (2)
CHIP / PATH 55+ programs. Tax-free equity access with no monthly payments. No-Negative-Equity Guarantee on every file.
Private lenders (4)
Individual lenders + smaller MICs. Equity-based, fast funding, used as 6-18 month bridges. All fees disclosed in writing.
Mortgage default insurers (3)
CMHC, Sagen, Canada Guaranty. Not lenders — they insure under-20%-down mortgages for the lender. Premium financed into the mortgage.
Compare live lender rates side by side
Real lowest broker-channel rates per term across 40 lenders, straight from our live feed — the lowest in each row is highlighted. Your exact rate depends on your file.
Pick up to 4 lenders to compare their lowest live broker-channel rates.
| Meridian Credit Union credit union | Marathon Mortgage Corp monoline | Home Trust alt a | |
|---|---|---|---|
| 5-yr fixed | 4.34%Low | 4.34%Low | 4.49% |
| 5-yr variable | 3.44%Low | 3.50% | 3.50% |
| 3-yr fixed | 4.04%Low | 4.54% | 4.59% |
| 1-yr fixed | 5.14% | — | 4.99%Low |
| HELOC | 4.95%Low | — | 5.99% |
A broker shops every tier. A bank quotes one rate.
Walking into a Big-6 bank gets you that bank's walk-in rate sheet. Walking into Mortgage Squad Advisors gets your file shopped across every lender above — Big-6, monolines, credit unions, alt-A, MICs, private. The right lender for your file might be a monoline you've never heard of that prices 25 bps below your bank, or a credit union that qualifies at contract rate when your bank's stress test caps you out.
Our job is to know which lender wants which file. Across thousands of funded files, we've learned the appetite of every lender on this page — who's flexible on dividend income, who's aggressive on first-time-buyer pricing, who'll fund a clean BFS file at A-rates that other lenders push to alt-A.