Excellent experience with HOMEH Brokerage! Professional, responsive, and very knowledgeable. They made the whole buying process smooth and stress-free while always keeping my best interests in mind.
Get a mortgage. In 5 minutes.
One simple form. 30+ lenders shopped. An independent licensed mortgage broker we work with calls you back within 24 hours with rate options.
Informational intake only — not an application for credit, not a binding pre-approval, no credit check. An independent FSRA-licensed mortgage broker we work with reviews your file and contacts you. HOMEH is not a mortgage broker.
$0 cost · No credit impact · 120-day rate hold available from lenders
- 30+ lenders shopped
- No credit pull
- 120-day rate hold
- 24h broker callback
- Easy to apply
- Licensed real estate brokerage
Illustrative example
Up to $850,000
Best match: 5-yr fixed 4.44% · 120-day hold
For display only — not a pre-approval. Your maximum is set by an independent licensed mortgage broker after a full review.
HOMEH is the first real estate service that felt like it was on my side financially. Sold our place with confidence and saved thousands. Smart, simple, and cost-effective.
I saved a ton with their unbeatable commission structure selling my home in Aurora. The team walked me through everything step by step.
Low commission, cashback options, and no hidden fees — it felt like they were genuinely on my side. Finally a real estate company that puts people first.
Amazing experience. Incredibly patient, knowledgeable, and supportive. Took the time to explain everything clearly and honestly. Couldn’t recommend more.
Truly cares about helping people save money while still getting top-notch service. The cashback rewards and low commission rates — total game changer.
Excellent experience with HOMEH Brokerage! Professional, responsive, and very knowledgeable. They made the whole buying process smooth and stress-free while always keeping my best interests in mind.
HOMEH is the first real estate service that felt like it was on my side financially. Sold our place with confidence and saved thousands. Smart, simple, and cost-effective.
I saved a ton with their unbeatable commission structure selling my home in Aurora. The team walked me through everything step by step.
Low commission, cashback options, and no hidden fees — it felt like they were genuinely on my side. Finally a real estate company that puts people first.
Amazing experience. Incredibly patient, knowledgeable, and supportive. Took the time to explain everything clearly and honestly. Couldn’t recommend more.
Truly cares about helping people save money while still getting top-notch service. The cashback rewards and low commission rates — total game changer.
5min
Online intake
24h
Specialist callback
30+
Lenders shopped
120
Day rate hold
$0
Cost to you
30+ lenders. One application.
Canada's A-lenders, specialist B-lenders, and the newest fintechs — all competing for your mortgage in a single click.
A-lenders (Big 6 + credit unions) B-lenders (alt-doc, bruised credit) Fintechs (digital-first pricing)
Today's sample rates
What buyers are
seeing right now.
5-year fixed
4.44%
Insured · sample best-available
5-year variable
3.25%
Prime −1.05% — sample
Rates shown are illustrative and may change without notice. Your actual rate depends on the lender, your credit, the property, and other factors. Mortgage products are arranged through independent FSRA-licensed mortgage professionals — not by HOMEH directly.
Four steps.
One specialist.
A simple HOMEH intake, then an independent licensed mortgage broker takes it from there.
1
Step 1
5-minute intake
Answer a few simple questions online. No documents, no credit check, no commitments.
2
Step 2
Your file is shopped
An independent licensed mortgage broker we work with shops your summary across 30+ Canadian lenders.
3
Step 3
The broker calls you
Within 24 hours, the broker calls with rate options and next steps. The broker — not HOMEH — handles the financing.
4
Step 4
You decide what's next
If a lender option works for you, you apply directly with the lender. You can also pass at any time, with no obligation.
A real broker.
Not a queue.
One short intake, then an independent licensed mortgage broker who calls you back.
1
One simple intake
A short HOMEH intake replaces the usual round-trips. Your summary is forwarded once and shopped widely.
2
Independent licensed brokers
Mortgage services are arranged through independent FSRA-licensed mortgage professionals — not by HOMEH directly.
3
24-hour callback
Most files receive a broker callback within one business day of intake.
4
A real person, not an algorithm
A licensed mortgage broker reviews your file and answers your questions — not a chatbot, not a queue.
"I filled out the HOMEH intake while my coffee cooled. By the next morning I had a specialist on the phone with my best-rate file ready. Easiest part of buying our first home."— Priya & Evan M., Mississauga
Canada's 1st All-Inclusive Real Estate Platform
Your mortgage, and the home to go with it.
A rate is only half the plan. Shop with a HOMEH agent and keep a Cashback Rebate on the home you buy.
You are hereGet a mortgage
Arranged by an independent licensed mortgage broker who shops 30+ lenders.
What HOMEH adds to your mortgage
Find the homeSearch every listingLive MLS® map with sold prices, so you know what homes are worth.
Make the offerBuy with a HOMEH agentShowings, offers and closing, handled by a licensed agent.
After you closeCashback Rebate1.5% of the price back to you, or a Down Payment Boost before closing.
Rate, home and rebate, all lined up before you write an offer.
HOMEH Inc., Brokerage is a real estate brokerage, not a mortgage broker. Mortgages are arranged by independent FSRA-licensed mortgage professionals. The Cashback Rebate is 1.5% of the purchase price, paid after closing, subject to eligibility and your buyer agreement.
Five minutes.
One call back.
Start the intake and an independent licensed mortgage broker we work with takes it from there.
Informational intake only — not an application for credit, not a binding pre-approval, no credit check. HOMEH Inc., Brokerage is a real estate brokerage, not a mortgage broker.
Before you
begin.
Everything you might want to know about the HOMEH mortgage intake and the independent licensed broker that handles your file.
Still have a question?
Contact UsThe intake collects a short summary of your purchase goal, target price, down payment, employment, income, credit-score band, and timeline, and forwards it to an independent licensed mortgage broker we work with. The broker reviews your file, shops it across 30+ Canadian lenders, and follows up within 24 business hours with rate options. HOMEH Inc., Brokerage is a real estate brokerage and does not provide mortgage advice or financing.
No. The intake is informational only — your credit history is not pulled and your score is not impacted. A hard credit check only occurs later if you choose to formally apply for credit with a specific lender, and that step is entirely opt-in. You can run the HOMEH intake months before you actually plan to buy without any credit consequence.
No. HOMEH Inc., Brokerage is a licensed Ontario real estate brokerage and is not a mortgage broker, mortgage agent, or mortgage lender. Any mortgage-related products, advice, applications, pre-approvals, rates, or services referenced on this site are provided by independent, third-party mortgage professionals licensed by the Financial Services Regulatory Authority of Ontario (FSRA) and/or approved by the Canada Mortgage and Housing Corporation (CMHC). HOMEH may receive a referral fee from these independent partners.
Rate holds are set by the lender that issues the pre-approval. Most A-lenders in Canada offer a rate hold of up to 120 days from the date the pre-approval is issued, with re-shop terms that vary by lender. The independent mortgage broker reviewing your file will confirm the exact terms before any rate is locked.
Zero. There is no application fee, no retainer, no charge for the rate hold or certificate. Independent licensed mortgage brokers are compensated directly by the lender that ultimately funds the file — the standard broker-compensation model used across the Canadian mortgage industry. HOMEH may receive a referral fee from the broker; you never write HOMEH a cheque for any part of the intake process.
For the intake itself, none. Once your file is shopped and a specific lender is selected, the broker will request the standard package: two recent pay stubs, the last two CRA Notices of Assessment, 90-day bank statements proving the down-payment source, an employment letter on company letterhead, and government photo ID. Self-employed applicants add T1 Generals and most-recent business financials. Documents are uploaded directly to the broker, not to HOMEH.
The two are independent. The 1.5% rebate is paid by HOMEH Inc., Brokerage on a HOMEH-represented purchase, separately from any mortgage. Buyers commonly redirect the rebate before closing as a Down Payment Boost — increasing the verified down payment, lowering the mortgage drawn, and in some cases reducing the CMHC premium tier. The independent mortgage broker can model both options before you write an offer.
Your summary is forwarded to an independent licensed mortgage broker we work with. You receive an automated confirmation immediately, the broker begins shopping lenders the same business day, and you receive a personal callback within 24 business hours with rate options and next steps. There is no commitment at this stage — you choose whether and when to move forward with a formal lender application.
Make your dreams come home!
Book a free consultation to see how we make homeownership affordable and easy for you.
Your mortgage, in 5 minutes.