You know your best rate is out there. Why is shopping for it so hard?

Apply Financial is Canada’s mortgage marketplace. We are a proudly independent Canadian company, solely focused on helping Canadians get rewarded for strong credit and easily connect directly to their best financing terms.

Management Team

Simon Overington
Co-Founder & CEO

Simon has spent 20+ years in capital markets and mortgage finance. He experienced first hand how unnecessarily difficult it is for Canadians to get lenders competing for their business and founded Apply Financial to find the better way.

Chris Thomas
Co-Founder & COO

Previously, Chris ran the mortgage securitization business at one of Canada’s top 6 broker dealers. 40+ years of capital markets experience gave Chris a clear understanding of the gap between what lenders offer and what borrowers want, and founded Apply Financial to close that gap.

Judy Smith
Principal Broker

Judy brings 20 years each in real estate and mortgage brokering — a combination that’s rare and genuinely useful for borrowers navigating both sides of a transaction. She has trained agents and led mortgage teams, and brings that depth of experience to every file at Apply Financial.