Ready to apply? Start here.

The right mortgage is more than just a rate. It's about freedom, flexibility and future-proofing your finances. Apply securely online for Québec or Ontario — or talk to us first if you'd rather start with a conversation.

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Reviewed by Stan Rashev, mortgage & real estate broker · Updated October 19, 2026

Secure applicationQuébec

For properties in Québec — Montréal, Laval, the North and South Shores and across the province.

Apply — Québec

Secure applicationOntario

For properties in Ontario — Ottawa, Toronto and the GTA, Kingston and beyond.

Apply — Ontario

Applications are completed in a secure, encrypted portal. Starting an application doesn't commit you to anything, and there's no credit check until you authorize one.

01 Before you apply

Have these close at hand.

You don't need everything to start, but having these ready means a faster, cleaner file — and a firmer answer.

If you're employed

Two recent pay stubs
A letter of employment
Last two years of T4s and Notices of Assessment

If you're self-employed

Two years of T1 Generals and Notices of Assessment
Financial statements if incorporated
Business registration or articles of incorporation

For the property

Accepted offer to purchase (if buying)
Current mortgage statement (if refinancing or renewing)
Municipal tax bill and, for condos, fee details

For your down payment

90 days of statements for the accounts it's coming from
Gift letter if family is helping
FHSA or RRSP withdrawal details if applicable

Not sure you're ready to apply?

Most of our clients start with a conversation. It's free, confidential and there's no credit check.

Book a strategy call See our approach