Serving Canadians since 1999
The right mortgage is found, not sold.
Capital Mortgages is an independent brokerage — we work for you, not for a bank.
- Accreditation
- BBB
- FSRA licence
- #10575
Built on relationships
We only work with the best lenders
One application, one credit pull, and a deliberate match to the lender who fits your file.
Banks · Credit unions · Monolines · Alternative & private lenders
A curated set of relationships, built since 1999. Member of the Mortgage Centre Canada network.
Ready when you are
Five minutes with a broker will tell you more than an evening of rate sites.
Tell us what you’re trying to do, and we’ll tell you exactly what’s possible.
Prefer to read first? Our services · Calculators · FAQ
What we do
Every kind of mortgage. One honest process.
Whatever stage you’re at, the work is the same: understand your goals, match you to the right lender and product.
Buying a home
From first viewing to closing day: purchase financing that fits the home you actually want.
Learn morePre-approvals
Know your budget and lock your rate before you shop.
Learn moreRenewals
Renewal is your best chance to renegotiate — and to re-plan the years ahead.
Learn moreRefinancing
Lower your payments, consolidate debt, or unlock equity for what’s next.
Learn moreConstruction & commercial
Build mortgages, small commercial purchases and refinancing, handled by specialists.
Learn moreReverse mortgages
55+? Unlock the value in your home and turn it into tax-free cash, without selling.
Learn moreMortgage up for renewal?
Don’t just sign the bank’s renewal letter.
Send us the letter before you sign; it takes us about a day to tell you whether you can do better.
Why choose us
Your bank works for the bank. We work for you.
The right lender, not every lender
We’re built on relationships with the best lenders — banks, credit unions, monolines and private.
Licensed, expert guidance
Licensed mortgage professionals who do this every day, in plain language, never sales pressure.
Transparent, no surprises
Full disclosure of costs, rates and terms up front, so you understand exactly what you’re signing.
Fast pre-approvals & real support
Hands-on support through purchase, refinance, renewal, or whatever scenario life brings.
Run your numbers
What would your payment be?
Real Canadian math: semi-annual compounding, every payment frequency.
Estimate only. Semi-annual compounding; excludes property tax, insurance, and condo fees.
Client stories
People remember closing day.
When issues arose on closing day, you promptly addressed them, preventing costly delays. Your help was truly invaluable.Martynn C.Refinance client
First-time and self-employed, we felt overwhelmed. Donna guided us through every step until we owned our dream cottage.Margaret L.First-time buyer
Quick, honest, unbiased advice. Even after closing, our agent made herself available to answer questions and ease our worries.Jenn & BryonHome purchase