30+ Lender Network
48-Hour Pre-Approval
No Hidden Fees
All Clients Welcome
Digital-First Experience
Clear Communication
30+ Lender Network
48-Hour Pre-Approval
No Hidden Fees
All Clients Welcome
Digital-First Experience
Clear Communication

All clients are welcome. Whether you are a first-time buyer, newcomer, refinancer, investor, self-employed, or have unique circumstances — we work with everyone and find solutions that fit your life.

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.

01

First-time homebuyers

Understand your down payment, buying power, and every step from pre-approval to closing day. No question is too small.

Start with confidence
02

Newcomers to Canada

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

Explore your options
03

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
Mortgage Calculator

Know your numbers.
Plan with confidence.

Estimate your monthly mortgage payment in seconds. Adjust the details to see how different scenarios affect your budget.

Estimated Monthly Payment
$3,847
Principal + Interest only. Does not include property taxes, insurance, or condo fees.

This is an estimate for planning purposes only. Book a free call to get your actual pre-approval and personalized rate from 30+ lenders.

How It Works

From questions
to keys.

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

01

Quick chat

Share your goals in a free 15-minute call or short application. We will listen first, then advise.

02

Get pre-approved

Compare options across 30+ lenders and understand your true buying power with clarity.

03

Shop confidently

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

04

Close & celebrate

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

Client Stories

Real people.
Real front doors.

Thoughtful advice changes the experience — and sometimes what buyers believe is possible.

"
"I had no Canadian credit history and thought buying a home was impossible. The Funders found a lender who accepted my foreign income."
A
Aisha M.
Newcomer & first-time buyer
"
"They treated me with respect, explained everything twice, and never made me feel rushed. I finally understood my mortgage."
S
Sarah L.
First-time buyer, Vancouver
"
"We got pre-approved in 48 hours and closed two weeks early. Absolute lifesavers during a stressful time."
M
Marcus & Jen T.
First-time family, Calgary
FAQ

Questions?
We have answers.

Everything you need to know before starting your mortgage 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.

With The Funders, most clients receive pre-approval within 48 hours. We compare rates across 30+ lenders to find the best fit for your situation.

For most standard 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.