Metric 01
4.8/5
client rating
CANADIAN HOME FINANCE
Smarter Home Financing
Get mortgage pre-approvals, refinance checks, home equity loan help, and rate comparisons from a team that keeps the math clear and the next step simple.
Metric 02
214
reviews and referrals
Metric 03
48 hrs
common pre-approval reply
HOW IT WORKS
Simple steps to start
Check your buying power and get lender-ready before you make an offer.
48-hour reply
Mortgage Pre-Approval
From $299
Check your buying power and get lender-ready before you make an offer.
Savings check
Refinance Review
From $349
3-lender review
Home Equity Loan
From $399
01Payment plan
Debt Consolidation
From $449
Bring higher-rate debts into one clear payment backed by your home.
02Same-week quotes
Rate Comparison
From $199
Compare lender rates side by side and see the trade-offs in plain words.
03Before renewal
Renewal Advice
From $249
Review your renewal early so you can switch, hold, or negotiate.
SERVICES
Mortgage help that fits your plan
Choose a time that fits, and we will ask for your goals and mortgage basics.
01
Book a Call
02
Share Your Numbers
03
Review Your Options
04
Pick Next Steps
CLIENT RESULTS
Real changes for real homes
One intake call Pre-approval file review Two lender quotes Refinance savings check Renewal date reminder
Billed monthlyBilled monthly
Starter
From $149/mo
- One intake call
- Pre-approval file review
- Two lender quotes
- Refinance savings check
- Renewal date reminder
Most popular12-month minimum
Signature
From $379/mo
- Everything in Starter
- Three lender quotes
- First-time buyer support
- Home equity loan review
- Debt payoff plan
- Two follow-up calls
Billed monthlyBilled monthly
Scale
$749/mo
- Everything in Signature
- Full mortgage file prep
- Four-lender comparison
- Renewal negotiation notes
- Home cash-flow plan
- Priority callback within 1 day
WHAT CLIENTS SAY
Straight talk from clients
Saved $312 a month after a refinance check and lender swap.
Refinance
Lowered a Mississauga payment
Saved $312 a month after a refinance check and lender swap.
First-time
Cleared a Calgary pre-approval
Debt help
Rolled debt into one bill
Renewal
Won a better renewal rate
Home equity
Paid for repairs with equity
Pre-approvals and rate checks
Maya Chen
Payment savings and renewals
Daniel Osei
Debt consolidation and cash-out loans
Priya Nair
Down payments and lender docs
Lucas Bennett
Proof
Customer notes
Verified
“They made our renewal easy and saved us money right away”
Sonia Patel
Homeowner, Mississauga
Verified
“Our pre-approval came fast, and the plan was easy to follow”
Evan Brooks
First-time buyer, Calgary
Verified
“We rolled debt into one payment and finally had room in the budget”
Lina Chen
Homeowner, Ottawa
Service area
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham
Area 01
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham
Area 02
Southern Ontario
Ottawa, Hamilton, London, Kitchener, Waterloo
Area 03
Alberta
Calgary, Edmonton, Red Deer
Area 04
Metro Vancouver
Vancouver, Surrey, Burnaby, Richmond
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Questions
Common questions answered
Quick answers before visitors choose a product, service, or next step.
01What does Home Financial do?+
We help Canadian buyers and homeowners with pre-approvals, refinancing, equity loans, debt consolidation, and renewal advice.
02Can you help first-time buyers?+
Yes. We help with down payment checks, lender docs, pre-approval steps, and the next move before you make an offer.
03Do you compare mortgage rates?+
Yes. We compare lender offers, explain the trade-offs, and show which rate fits your payment plan and time frame.
04Do you offer refinancing help?+
Yes. We look at your current mortgage, estimate savings, and check if a refinance can lower payments or free up cash.
05Can home equity help with debt?+
It can. We review home equity loan options and see if one payment can replace higher-rate debt.
06How fast is the first call?+
Most clients book a call in minutes. We then review your numbers and send clear next steps within one business day.
Get rate updates
Get short emails on rates, renewals, refinancing, and first-time buyer steps across Canada.