Why Canadians choose
Mortgage Squad —
and keep coming back.
A licensed advisor on every file, 100+ lenders, and a Rate Beat guarantee — backed by 20+ years of combined industry experience.
Four reasons to work
with us, not around us.
We built every policy around the client's interest — starting with full fee disclosure and a rate guarantee on every file.
Rate Beat Guarantee
Bring us a written Big-6 bank offer on the same product, term and amount — we'll work to beat it. If we can't, we pay you $500. Conditions apply. It's our way of putting our money where our promise is.
One advisor, start to finish
A licensed advisor is on every file — not a call centre, not a rotating team. 20+ years of combined industry experience means your deal is handled by someone who has seen it before.
100+ lender partners
We work with every major A-lender, monolines, credit unions, B-lenders, and private capital — so we can match your file to the lender whose criteria you actually fit, not the only one a single bank can offer.
Pre-approval in 24 hours
Standard pre-approvals in as little as 24 hours. Same-day commitment letters on private bridge files. A 120-day rate hold, re-shopped automatically if rates drop before closing.
How working with
Mortgage Squad works.
Intake to keys in three steps — and we don't disappear at funding.
Tell us your situation — 5 minutes, no credit pull
Share what you're trying to accomplish — purchase, refinance, renewal, or equity access. Our intake takes about 5 minutes and starts with a soft inquiry so your score is never affected by shopping.
We shop 100+ lenders and present your best fit
Your advisor compares rates and qualifying criteria across our full lender network, models the full cost including fees, penalties, and terms, and presents the option that actually works for your file — not just the lowest headline rate.
Close — and we stay with you after funding
From document collection to lawyer coordination to lender follow-up: we handle it. After closing, your portal tracks equity, sends renewal reminders 120 days out, and your same advisor is still one message away.
We can help across
many situations.
Tap any situation below to see how we approach it.
If you’re…You have a written rate offer from your bank
You have a written rate offer from your bank
That's exactly what our Rate Beat is designed for. Share your offer — same product, term, and amount — and we'll work to beat it. If we can't, we pay you $500 at closing. Conditions apply.
See the Rate Beat guaranteeIf you’re…Your mortgage renewal is coming up in the next 6 months
Your mortgage renewal is coming up in the next 6 months
Renewals are the most under-served moment in the mortgage cycle. Your lender's renewal offer is rarely their best rate. We shop 100+ lenders for free — and a 120-day hold protects you while you decide.
Start my renewal searchIf you’re…You're self-employed or incorporated
You're self-employed or incorporated
We have business-for-self specialists in-house. Full-document and stated-income paths are available through specialist A and B lenders. Two years of T1s and NOAs is standard; we know which lenders read income most generously.
See BFS optionsIf you’re…You have past credit challenges or a consumer proposal
You have past credit challenges or a consumer proposal
B-tier and private lenders can often help — sometimes consolidating CRA debt or resetting your credit profile at the same time. We present the cost honestly and model your path back to A-tier.
Explore my optionsIf you’re…You're new to Canada or have limited Canadian credit history
You're new to Canada or have limited Canadian credit history
Our team speaks 15+ languages and specialises in newcomer programs that accept international employment history and limited Canadian bureau. Some lenders approve from day one on a valid work permit.
See newcomer programsIf you’re…You own or want to invest in income-producing property
You own or want to invest in income-producing property
We originate CMHC MLI Select, conventional multi-family, and single-unit investment files. Rental income structuring, portfolio underwriting, and private bridge financing for time-sensitive acquisitions.
Discuss my investmentWhat you get —
in writing, every time.
These aren't marketing claims. They're our actual operating procedures.
Fee disclosure, rate hold, and pre-approval timelines reflect our standard operating procedures. Individual files may vary. B-lender and private files carry disclosed fees.
Common questions,
clear answers.
Fees, licencing, the Rate Beat, and what happens after closing — answered plainly.
Is it free to use Mortgage Squad Advisors?
$0 to you on standard A-lender files — the lender pays us a finder fee at closing, disclosed in writing on every file. B-lender and private files may carry a brokerage fee, always disclosed before you commit and never deducted without your written consent. We tell you the cost upfront on every file.
How is a licensed mortgage broker different from a bank mortgage specialist?
A bank specialist represents one institution and can only offer that institution's products. A licensed mortgage broker works independently across 100+ lenders — A-banks, monolines, credit unions, B-lenders, and private capital — and has a legal duty to act in your interest. We're FSRA-licensed brokerage #13737, regulated under Ontario's MBLAA.
Do you work with clients outside Ontario?
Yes — we help Canadians from coast to coast. Our FSRA licence covers Ontario brokerage operations, and we work with lenders who originate across all provinces and territories. Many clients begin their application from another province and close through our Ontario-based team.
What is the Rate Beat guarantee and who qualifies?
Bring us a written mortgage offer from one of Canada's Big 6 banks on the same product, term, and amount. We'll work to beat the rate on a comparable product. If we can't, we pay you $500 at closing — either to you directly or to your nominated charity. Eligible Big-6 written offers only; conditions apply. See our Rate Beat page for full terms.
How quickly can I get pre-approved?
Standard pre-approvals are ready in as little as 24 hours once we have your documents. A 5-minute intake starts the process with no credit pull. When you're ready for a formal pre-approval, one lender credit check locks your rate for up to 120 days — and we re-shop automatically if rates drop before you close.
What happens after my mortgage closes?
We don't disappear. Your client portal tracks your home equity with live balance and estimated property value. A renewal countdown pings you 120 days before maturity so you're never rolled into a posted rate by default. Rate Watch alerts flag when refinancing could save you money. And your same advisor is still reachable — every message gets a same-day reply.
We’ll try to beat your rate.
If we can’t, we pay you $500.¹
¹ Rate Beat: eligible Big-6 bank written offers only · same product, term & amount · $500 paid to you or your nominated charity at closing · conditions apply
Find your Mortgage Squad advisor by city
Our advisors are on the ground in communities across Canada — familiar with local property values, lender preferences, and what it actually takes to get a deal done in your market.