You are the prize. Get the mortgage terms your strong credit deserves.
Simply looking to renew your maturing mortgage? Or looking to access your equity?
Posted rates are for average credit profiles. With our fully online application access multiple lenders ready to compete for your best mortgage terms.
One renewal or refinance application. Competing lenders.
Apply Financial is Canada’s mortgage marketplace: one 100% online renewal or refinance application puts your profile in front of multiple competing lenders at once, so they compete for your business instead of you shopping each one yourself. Renew or refinance in Canada without picking up the phone.
Personalized Application
Complete your personalized application in about 20 minutes. Work at your own pace and pick up right where you left off anytime —your progress is always saved.
Apply ‘Incognito’
Remain fully anonymous to lenders until you’re ready; only the lender you choose will receive your contact details.
Self Guided
No phone calls, No sales pitch. See your results without talking to anyone — and while we are 100% online, real time help is available
No Documents Needed Upfront
Only upload documents, if required, after selecting your best lender terms
Start your renewal or refinance application
Ready to go lender shopping? This will take you to our secure environment
Not sure? Check affordability here
Our pre-qualification tool will calculate how much you can get approved for.
Our Best Rates Today
See our live, regularly-updated Insured, Conventional, and Multi-Family mortgage rates.
Our Competing Lenders Include
Renew or Refinance Your Mortgage Online in Canada — No Phone Calls
Your mortgage doesn’t renew itself in your favour — your bank will happily auto-renew you at their rate if you let it. Fill out one application instead, let lenders compete for your renewal or refinance, and compare real offers on your own schedule. No meetings, no obligation, and your phone number stays private until you pick a lender.