Your situation is unique. Our mortgage marketplace is your better 2026 alternative to rate-comparison sites like Ratehub and WOWA.

Looking for a comprehensive alternative to Ratehub? Shop your mortgage like you shop your travel – in Canada’s mortgage marketplace. Fill out one personalized online application and our lenders compete for your business. Only your chosen lender ever receives your contact info – stay incognito until you choose to proceed and there are no sales calls. Highly qualified buyers get discounted rates that rate-comparison sites can’t show.

How Apply Financial works

Incognito. Lenders need a financial profile, not your personal information, to assess your loan. Only the lender you choose receives your contact info, to complete your mortgage.
One application. Fill out one personalized application, 100% online, on your own.
Lenders compete. Up to 11 lenders (depending on how strong your application is) respond to your one application and unique situation.
Offers within 24 hours of a completed application.
Soft credit check. Finding your best terms does not affect your credit score.
No sales calls.
Documents after you choose. You only upload documents once you’ve picked your lender.

See today’s best mortgage rates

Ratehub Alternatives: How Apply Financial compares

	Rate-comparison sites like ratehub.ca, wowa.ca and rates.ca	Advisor-led digital lenders like nesto.ca	Apply Financial
Can you apply incognito?	No	No	Yes
Is it a marketplace, with multiple offers from multiple lenders on your application?	No	No	Yes
Can you expect sales calls?	Yes	Yes	No

Frequently asked questions

What’s the difference between Apply Financial and Ratehub or WOWA?

Rate-comparison sites show posted rates. Apply Financial is a marketplace: you fill out one online application and our lenders compete, responding to your unique situation, not a generic posted rate. You stay incognito and there are no sales calls.

Is Apply Financial a better alternative to Nesto?

Nesto is an advisor-led digital mortgage lender. At Apply Financial you shop for your mortgage like you shop for travel: one online application, lenders compete for your business, you stay incognito, and there are no sales calls.

Can I shop mortgage rates anonymously in Canada?

Yes. Lenders need a financial profile, not your personal information, to assess your loan. At Apply Financial, only your chosen lender receives your contact info in order to complete your mortgage. No other lender ever knows who you are.

Will applying affect my credit score?

No. Our application uses a soft credit check, which does not affect your credit score. Only when you choose to proceed do we access your full credit profile.

Will I get sales calls?

While we are there to help every step of the way, Apply Financial does not make sales calls.

How many lenders will respond to my application?

We have a panel of lenders ready to respond to your application. How many depends upon how complex and unique your situation truly is.

What does ‘Apply incognito’ mean?

Lenders assess your loan based on your financial profile, not your name, specific SIN number or contact info. Only the lender you choose (if you choose) receives your contact information, and this is to complete your mortgage documentation.