Why Use Our Brokerage?

The Ownest Solution

Learn how our brokerage is different and how we work for you.


Why You Should Use Ownest

Ownest will tailor the mortgage to your needs and your lifestyle. We understand that there is not a one-size-fits-all approach when it comes to your mortgage. You can rest assured that you are getting the mortgage that is right for you!

Your bank’s mortgage advisers are not Ownest, and they simply do not have the broad and complex knowledge base or tools that Ownest can offer.

Whether you’re a first time home buyer, self-employed, divorced or separated, transferring, refinancing or renewing your mortgage, or trying to consolidate debt, Ownest can offer a solution that eliminates stress and uncertainty. In fact, a vast majority of clients end the process in a much better place than where they began. When dealing with Ownest, you’ll leave reassured, educated and more empowered than before.

Ownest strives to help you understand all aspects of the mortgage, including the fine print, penalties, and how you can pay off your mortgage earlier (if you choose). The way we look at it is…. we’re in this together, what’s good for you is good for us.

At Ownest, we have access to over 125 lenders across Canada. We know the ins and outs of the industry, where to find the kind of mortgage and financing options that suit your goals and needs, and how to interpret the fine print to keep you ahead of the game.

Debunking Broker Myths

MYTH #1: Mortgage brokers are only for those people who have bad credit.

In truth, brokers have the resources and expertise to make things work. This is the same expertise that helps our clients with good credit get the best rates available, and save time and money.

MYTH #2: A bank is better than a broker because it will always get the client the best rate and has the client’s best interest at heart.

In truth, Banks will only be able to provide advice on their own products and services and often cannot provide independent and unbiased solutions. Mortgage brokers can find you the best mortgage that fits your lifestyle. It’s in our best interest to get everyone the best available mortgage because we’re on your side.

MYTH #3: I’m better off staying with my bank because they know me

In truth, Mortgage brokers offer flexibility. They can show you the differences, benefits, and features of each product. Not only do they have the ability to find the best rate, but can also help you understand the penalties and any hidden clauses that may cost you more money down the road, particularly if you choose to pay your mortgage off early.

MYTH #4: All brokers are the same.

In truth, Ownest is unique in the marketplace as Ownest will present you with all the products you qualify for regardless of how much the lender pays us for the deal. Regular brokers only push the mortgages that make them the most money….our Ownest engine does not discriminate. We present all options, Ownestly!

2.36%5 Year Variable

75% of our clients consider this product a great fit. We find you a great rate with only a small possible payout penalty, and that increases your flexibility for the choice to change your mortgage down the road.

Ownest tailors the mortgage to you, not you to the mortgage. We find different terms and mortgages to suit your lifestyle. Click below to view other options.


See the Ownest difference. We aren’t like banks and brokers because we have your best interest at heart. Through our patented system, we’re able to give you the choice you deserve when selecting a lender for your mortgage. Watch this video and let us help you maximize your mortgage buying power.

  • Ownest sent us a mortgage proposal that showed all the mortgages we qualified for. After discussing the many options with us we chose a 4 year term and feel we got a great rate.
    - Robert and Claire P.Richmond Hill, ON
  • Thank goodness we found the friendly people at Ownest. They found us a new mortgage at a lower rate and a payment we can afford. We are truly thankful.
    - Gina G.Calgary, AB
  • I’ve been in real estate for over 15 years and have never experienced this level of professionalism before. I now recommend all my clients to Ownest.
    - Bob S.Realtor, Edmonton AB


We match you with the mortgage that suits your lifestyle, faster than our competitors can shop a single product.


Our technology scours all products and pricing to get you a yes now on the best deal for your mortgage. You pick only from the options you qualify for.


Backed by a team of financial experts, we’re always available to help you successfully cross the finish line to own your home. We make it simple. Ownestly!