Mortgage Broker for Realtors in Toronto — Pre-Approval Letters, Referrals & Co-Branded Tools
Mortgage broker for realtors in Toronto and Ontario — lendsimpl partners with real estate agents to deliver same-day pre-approval letters, client status updates, and 50+ lender access for every buyer profile. From first-time buyers to self-employed investors, we get more clients approved and keep deals on track. Free for your clients, free for you, FSRA-licensed Brokerage #13763.
Why Realtors Trust lendsimpl for Their Clients
Same-day pre-approval letters
Your client needs a pre-approval before seeing homes this weekend. We turn around pre-approval letters the same day — often within hours of receiving documents.
50+ lender access
We compare banks, credit unions, mono-lenders, B-lenders, and private lenders in one application. Your client gets the best approval — not just what one bank offers.
Complex profiles welcome
Self-employed, new to Canada, bad credit, consumer proposals, multiple properties — we specialise in approvals that banks refuse. More clients through, more deals closed.
Realtor status updates
We keep you informed at every stage. When your client's mortgage is approved, conditionally approved, or needs more documents — you know first, not last.
Free service to clients
Fees are always disclosed upfront. This makes the referral easy to make.
FSRA licensed & compliant
lendsimpl is FSRA-registered Brokerage #13763. All mortgage agents are individually licensed. Your clients are protected by Ontario law at every step.
Pre-Approval Letter for Realtors in Ontario — Our Process
You send us the client's name and contact info. We reach out within 30 minutes during business hours.
Client completes our online application. We collect ID, income docs, and consent for a soft credit review (no score impact).
We match the client to the best lender based on their profile. Pre-approval submitted and tracked.
A formal pre-approval letter is issued with the approved amount, rate hold (90–120 days), and conditions. You receive a copy.
Client enters offers with confidence. We handle all mortgage conditions and lender communication through closing.
Buyer Profiles We Approve for Toronto & Ontario Realtors
First-time buyers
FHSA, RRSP HBP, land transfer rebates, CMHC insured rates — we walk first-time buyers through every program and get them to closing.
Self-employed buyers
A, B, and private lenders for self-employed borrowers who write off income. We find approvals banks refuse.
New to Canada
Newcomer mortgage programs from major banks and alternative lenders for recent immigrants without established Canadian credit history.
Bad credit / previous proposal
B-lender and private lender approvals for buyers with bruised credit, past consumer proposals, or recent bankruptcy.
Investment property buyers
Second mortgage, rental property financing, HELOC for down payment, and commercial deals for investor clients.
High net worth / complex
Large purchase amounts, multiple properties, complex income structures — we have lender relationships for non-standard files.
Realtor Partnership FAQ — lendsimpl Toronto & Ontario
How does lendsimpl's realtor referral program work in Ontario?
lendsimpl operates a straightforward realtor referral program across Toronto and Ontario: (1) You refer your client by contacting us directly. (2) We reach out to the client within 30 minutes. (3) We handle all mortgage qualification, lender submission, and approval. (4) You receive status updates throughout the process. (5) The mortgage funds at closing. There are no formal referral agreements required — we work informally with realtors who trust us with their clients. FSRA Brokerage #13763.
Can I get a pre-approval letter the same day for my client in Ontario?
Yes. lendsimpl issues same-day pre-approval letters for clients who submit their documents before noon on business days. The pre-approval includes: approved purchase amount, rate hold (90–120 days), lender name, conditions of approval, and your client's full name. This letter can be presented with an offer in most Ontario real estate transactions. For complex profiles (self-employed, bad credit), the timeline may extend to 24–48 hours.
What happens if my client can't get approved at a bank?
If your client doesn't qualify at a bank, lendsimpl explores B-lender and private lender options. B-lenders approve borrowers with credit scores of 580–620 and self-employed income, often at rates only slightly higher than banks. Private lenders approve equity-based applications — bad credit, consumer proposals, recent bankruptcy. lendsimpl often gets approvals for clients who have been declined elsewhere — which means more deals closed for you.
Does lendsimpl charge realtors or their clients a referral fee?
All applicable fees are disclosed in writing before you proceed, as required by FSRA regulations.
Can lendsimpl handle commercial deals for my investor clients?
Yes. lendsimpl arranges commercial mortgages across Ontario in addition to residential. For realtor clients buying investment properties, multi-family buildings, retail plazas, industrial units, or commercial mixed-use properties, we access banks, CMHC, B-lenders, and private commercial lenders. CMHC MLI Select specialists for 5+ unit residential buildings. One brokerage for all your client's mortgage needs.
Realtor Resources
Realtor Partnership · Toronto & Ontario
Refer Your Clients to a Mortgage Broker Who Won't Let You Down
lendsimpl is an FSRA-licensed brokerage (#13763) serving Toronto and Ontario realtors with fast pre-approvals, 50+ lender access, and expert handling of complex buyer profiles. Your clients get the best mortgage. You stay informed. Deals close.
FSRA Brokerage #13763 · No fee to realtors or clients · Serving Toronto & Ontario