Clear mortgage guidance for Canadian homebuyers

Your home. Your future.
Made possible.

The Funders helps first-time buyers, newcomers, and Canadians at different stages of homeownership explore mortgage options without jargon, judgment, or pressure - with clear property-specific education and a practical next step.

Book your free strategy call Explore a property report

Buyer-first financing conversations made clearer

Preferred

Prepared exclusively for

The Johnson Family

$1,250,000 CAD

List price

$1.25M

Income req.

$274K

Monthly

$7,314

Cash-to-close contextExplore

IllustrativeMonthly ownership scenarioReview

Available option trade-offsCompare

Multiple Lender

options to explore

Clear Guidance

on next steps

Financing Roadmap

for a specific property

$0 Cost

for many standard files

Broad Lender NetworkResponsive ReviewClear Upfront CommunicationAll Clients WelcomeDigital-First ExperienceClear Next Steps Broad Lender NetworkResponsive ReviewClear Upfront CommunicationAll Clients WelcomeDigital-First ExperienceClear Next Steps

Explore lender options with The Funders Team

Property Financing Report · Educational starting point

See a clearer path
to owning a home.

Build a property-specific financing scenario to explore estimated cash to close, monthly ownership cost, and the next questions to review with The Funders team. It is for educational purposes, not a mortgage approval or lender commitment.

✓Illustrative ownership costs and closing-cost context for a specific property
✓Plain-language comparison of available scenario options and trade-offs
✓A practical next step for a licensed review when you are ready

Buying a homeSelling a homeA realtor

★ Property-specific starting point

Explore estimated ownership costs, cash-to-close context, and the questions that matter before a licensed review. Available options and final eligibility depend on the buyer and property.

Build a property scenario

For Realtors · The Funders Network

Give every property conversation a better next step.

The Funders Network gives approved Realtor partners a property-first workspace for buyer reports, direct follow-up, engagement signals, marketing support, property comparisons, optional Open House QR campaigns, high-level Funders updates, and rewards visibility.

Explore the Funders Network → Partner login

Realtors see useful buyer engagement and high-level file updates. Buyer phone, income, debt, credit, documents, lender notes, underwriting notes, funded amount, and internal reward value remain private.

Property report deliveryCreate a report from an MLS number and share it after a showing, during follow-up, or with an existing buyer.

Buyer engagement and follow-upSee high-level activity and timely follow-up cues without receiving confidential mortgage-file data.

Marketing and campaign supportUse branded content, brochures, message drafts, comparison tools, and optional Open House QR campaigns.

Who We Help

A mortgage that fits your story.

Homeownership is not one-size-fits-all. Get advice designed around where you are now and where you want to go next.

First-time homebuyers

Understand your down payment, complete buying picture, closing costs and every step from planning through closing day. No question is too small.

Start with confidence →

Newcomers to Canada

Explore lenders that understand global income, foreign assets, and work with limited Canadian credit history. We make the unfamiliar, familiar.

Explore your options →

Women building wealth

Get practical education and an informed strategy for buying solo, refinancing, or investing in property. Your financial independence starts here.

Build your strategy →

Illustrative estimate

Curious what your monthly payment
could support?

Use this educational estimate to start a conversation. A lender and licensed review are required to assess an actual mortgage application.

How It Works

From questions to keys.

A straightforward process, expert guidance, and clear updates at every stage.

Quick chat

Share your goals in a free 30-minute call or short application. We will listen first, then advise.

Review your next step

Review available options, the information required, and the path toward a formal lender decision when you are ready.

Shop confidently

House-hunt with a clear budget and a rate hold of up to 120 days. No surprises.

Close & celebrate

Get support through the paperwork, lender conditions, and closing. Then get your keys.

FAQ

Financing Questions? We have answers.

Everything you need to know before starting your homeownership journey.

For homes under $500,000, the minimum down payment is 5%. Between $500,000 and $999,999, it is 5% on the first $500,000 and 10% on the remainder. Homes $1 million and above require 20% down.

Yes. Many Canadian lenders offer newcomer mortgage programs that accept limited Canadian credit history, foreign income, and international assets. We help newcomers navigate these specialized options.

Timing depends on the information available, lender requirements, and the buyer's situation. The Funders Team will explain what is needed for review and keep you informed as the file progresses. A property scenario or report is not a pre-approval or lender decision.

For most standard residential mortgages, our services are free to you — we are compensated by the lender. In some complex situations, a fee may apply, which we will always disclose upfront.

A fixed rate stays the same for your entire term, giving you predictable payments. A variable rate fluctuates with the prime rate, which can mean lower costs when rates drop but higher costs when they rise. We will help you decide which fits your risk tolerance.

Absolutely. We work with lenders who understand self-employed income, including those who accept stated income or alternative documentation. Your business does not disqualify you from homeownership.

Ready to make your next move?

Start with a free strategy call. Ask questions, understand your options, and leave with a clearer path forward.

Book your free strategy call →

No obligation. No pressure. 100% confidential.

Your home. Your future.Made possible.