How does the process work?

You tell us where you are. A licensed broker reviews your file, compares lenders and goes through your options with you side by side. If you choose to proceed, your broker handles the paperwork and lender communication through to closing. There is no obligation to proceed.

Can I get a mortgage if my bank said no?

A decline does not close every door. Alternative and private lenders assess files differently, and each comes with different costs and trade-offs. We explain your options before you decide.

When should I start looking at my mortgage renewal?

Many lenders allow you to secure a renewal rate up to 120 days before your term ends. Starting early gives you time to compare, and your current lender's renewal offer is one option among many. If you break a term early, a penalty may apply, so we check yours first.

Do I need a stress test to switch lenders at renewal?

It depends. For a straight switch (same balance and remaining amortization, no equity take-out) to a federally regulated lender, the stress test generally no longer applies. A refinance or a higher balance may still be stress-tested. We confirm what applies to your file.

Licensed Ontario Mortgage Broker · FSRA #13763

Your mortgage, made simple.

Buying, renewing, refinancing, accessing your equity, or financing a multi-unit property, tell us where you're at and a licensed broker takes it from there.

5.0 on GoogleBanks, credit unions, B-lenders & private, one applicationLicensed & FSRA-regulated

Prefer to talk now?

Step 1 of 3

Where are you at right now?

Takes about 30 seconds · No cost to compare your options · No obligation

Lender types we compare

Major banksMonoline lendersCredit unionsTrust companiesAlternative lendersPrivate lendersMajor banksMonoline lendersCredit unionsTrust companiesAlternative lendersPrivate lendersMajor banksMonoline lendersCredit unionsTrust companiesAlternative lendersPrivate lendersMajor banksMonoline lendersCredit unionsTrust companiesAlternative lendersPrivate lendersMajor banksMonoline lendersCredit unionsTrust companiesAlternative lendersPrivate lenders

Want to see where rates sit today?

Compare current Ontario rates, then talk to a broker about your own situation.

How it works

From first question to closing day.

Tell us where you're at

Pick what fits and tell us a bit about your situation. No obligation.

We review your file

A licensed broker reviews your income, credit, timeline and goals.

We compare lenders

Your broker takes your file to lenders that fit it: banks, credit unions, B-lenders and private lenders.

You choose

Go through your options side by side with your broker: rate, term, payment and the fine print.

We stay with you to closing

Paperwork, lender communication and lawyer coordination are handled by your broker, who keeps you posted.

Ready to start step one?

Tell us where you're at, no obligation.

Broker vs. one bank

A bank offers its own products. We compare across lenders.

A 'no' from one lender isn't a 'no' everywhere, here's the difference.

Lenders you can access

BankIts own products

lendsimplBanks, credit unions, B-lenders and private lenders

Who they work for

BankThe bank

lendsimplYou. A licensed broker is required to disclose fully and act in your interest.

Rate

BankIts own posted or discretionary rate

lendsimplRates compared across our lender network. Rates depend on your file, the lender and the product.

If your application is declined

BankLimited to that bank's products

lendsimplReviewed across other lender types where it fits

Timing

BankSet by that bank's process

lendsimplVaries by lender and file. We manage it and keep you posted.

Going direct to a bank

With lendsimpl

Lenders you can access

Its own products

Banks, credit unions, B-lenders and private lenders

Who they work for

The bank

You. A licensed broker is required to disclose fully and act in your interest.

Rate

Its own posted or discretionary rate

Rates compared across our lender network. Rates depend on your file, the lender and the product.

If your application is declined

Limited to that bank's products

Reviewed across other lender types where it fits

Timing

Set by that bank's process

Varies by lender and file. We manage it and keep you posted.

See the full broker vs. bank comparison

Why lendsimpl

More lenders. A real person. Full accountability.

One 'no' isn't the end of the conversation

We take your file to lenders that fit it, whether banks, credit unions, B-lenders or private lenders, so you can see more than one option.

A real person, not a rate calculator

A licensed broker reviews your income, credit and timeline, then comes back with options built around your situation.

Fees disclosed in writing

Any fee that applies to your file is disclosed in writing before you commit.

Licensed and accountable

lendsimpl is licensed and regulated by FSRA (Brokerage #13763), required to disclose fully and act in your interest.

5.0

on Google

50+

Lenders compared

Up to 120 days

Rate hold with many lenders

#13763

FSRA-licensed brokerage

Real results

Every situation is different. So is every file.

First-time buyers, self-employed borrowers, and homeowners staring down a renewal, we look at where you actually are and take your file to the lenders that fit it, from major banks to private lenders.

Ontario homeowners celebrating together at home

Reviews5.0· Verified Google reviews

“Damien Atapattu made my mortgage process completely stress‑free. He prepared all documents ahead of time and clearly understands lender, lawyer, and appraisal requirements. A friendly, energetic professional who gets results.”

— Aruna Bandaranayake, verified

Reviews

Resources

Guides, tools and calculators.

Guide

First-Time Home Buyer Programs in Ontario

FHSA, RRSP Home Buyers' Plan, land transfer rebates and CMHC insured mortgages explained.

Guide

Mortgage Renewal: What To Do 120 Days Out

How to shop your renewal penalty-free and avoid your bank's posted rate.

Calculator

Mortgage Payment Calculator

Estimate your monthly payment, stress-tested qualifying rate, and total interest.

Guide

Bank vs Mortgage Broker in Canada

What a broker can do that one bank can't.

Common questions

Your questions, answered.

We're here to simplify your mortgage journey, so you can feel confident every step of the way.

Have a question we didn't answer?

416-299-6096 hello@lendsimpl.ca

Damien Atapattu, lendsimpl mortgage broker

Tissa Ratnayake, lendsimpl mortgage broker

Our licensed broker team is happy to help.

Why use a mortgage broker instead of going directly to a bank?

A bank offers its own products. A broker compares options from many lenders, including banks, credit unions, monoline lenders, B-lenders and private lenders, and explains the trade-offs such as term, prepayment privileges and penalties. Rates depend on your file, the lender and the product, so no broker can promise a lower rate than your bank. lendsimpl is licensed and regulated by FSRA (Brokerage #13763), required to disclose fully and act in your interest.

What does lendsimpl help with?

Buying a home, renewing, refinancing, accessing home equity with a HELOC, private mortgages, debt consolidation, first-time buyer programs, self-employed mortgages and commercial or multi-unit financing, with one broker on your file.

Is there a fee to use lendsimpl?

Any fee that applies to your file is disclosed in writing before you commit. On private files, lender fees and broker fees, where they apply, are disclosed in writing before you commit.

Is lendsimpl licensed to arrange mortgages in Ontario?

lendsimpl is licensed and regulated by FSRA (Brokerage #13763), required to disclose fully and act in your interest. We are based in Scarborough and serve clients across Ontario.

Still have questions?

No obligation, just answers.

Ready when you are

Book a 30-Minute Call

Purchase, renewal, refinance, HELOC, private and commercial mortgages. Banks, credit unions, B-lenders and private lenders, one application. Pick a time with a licensed broker directly below.

lendsimpl

Licensed Ontario Mortgage Broker

Speak with a licensed broker

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