YOUR MORTGAGE
PERFECT SOLUTION
Same-day pre-approvals through our in-house underwriters.
One dedicated expert who knows your file — not a call centre.
Faster turnaround and smarter decision-making
Meet your agent face-to-face at our office.
We connect you with vetted real estate agents and lawyers in our network.
Simple steps to follow
Chat with a licensed expert who listens and understands your goals.
without the hassle.
No surprises. We’ll even connect you with trusted realtors and lawyers.
69% of Canadians prefer managing their mortgage online - but still want real, human advice.
With Mortio, you get the best of both: digital ease when you want it, in-person guidance when you need it.
Consolidating high-interest debt into your mortgage could save you hundreds every month.
Most Mortio clients who consolidate save up to $6000 annually- and simplify their finances in the process.
One payment, one plan, less stress.
Over half of Canadian homeowners are paying more than they need to - and don't even know it. With mortgage renewals hitting record highs in 2025, now's the perfect time to reassess your rate.
Let us review your current mortgage and show you how much you could save.
Mortgage renewals hitting record highs in 2025.
Source:
Bank of Canada and CMHC 2024 Outlook: Reports that over 47% of fixed-rate mortgages in Canada are set to renew by the end of 2025, many at significantly higher interest rates.
"Highly recommend Kripa and the team at Mortio Financial! They helped us secure the best rate and guided us through the entire mortgage process. Super professional and supportive - made it a stress-free experience. Thanks for helping us get into our dream home!"
"Private mortgages suck, but dealing with reliable, helpful, knowledgeable people made dealing with all of it significantly easier. Tremendously grateful to Kripa and the team for all their hard work, insight, and assistance."
"I had an excellent experience working with Morton Financial Corp! From start to finish, they were incredibly knowledgeable, responsive, and patient."
"This was an easy choice to have them work for us to get our mortgage. They worked with us. It was an easy process. Plan on using them for our next house."
"Recommended made the toughest deal smooth Kripa help also boost the communication."
"Highly recommend Kripa and the team at Mortio Financial! They helped us secure the best rate and guided us through the entire mortgage process. Super professional and supportive - made it a stress-free experience. Thanks for helping us get into our dream home!"
"Private mortgages suck, but dealing with reliable, helpful, knowledgeable people made dealing with all of it significantly easier. Tremendously grateful to Kripa and the team for all their hard work, insight, and assistance."
"I had an excellent experience working with Morton Financial Corp! From start to finish, they were incredibly knowledgeable, responsive, and patient."
"This was an easy choice to have them work for us to get our mortgage. They worked with us. It was an easy process. Plan on using them for our next house."
"Recommended made the toughest deal smooth Kripa help also boost the communication."
"Highly recommend Kripa and the team at Mortio Financial! They helped us secure the best rate and guided us through the entire mortgage process. Super professional and supportive - made it a stress-free experience. Thanks for helping us get into our dream home!"
"Private mortgages suck, but dealing with reliable, helpful, knowledgeable people made dealing with all of it significantly easier. Tremendously grateful to Kripa and the team for all their hard work, insight, and assistance."
"I had an excellent experience working with Morton Financial Corp! From start to finish, they were incredibly knowledgeable, responsive, and patient."
"This was an easy choice to have them work for us to get our mortgage. They worked with us. It was an easy process. Plan on using them for our next house."
"Recommended made the toughest deal smooth Kripa help also boost the communication."
Compare exclusive rates from top Canadian lenders and save thousands on your mortgage
Plan your budget with our easy-to-use mortgage payment calculator and find the perfect option
Expert insights and guides to help you understand the mortgage market and make informed decisions
Start your application today and save thousands
It depends on your income, debts, credit score, and down payment. A general rule is that your total housing costs shouldn't exceed 39% of your gross income. Book a free pre-approval with us and we'll give you an exact number.
5% on the first $500K, 10% on the portion from $500K–$1.5M, and 20% on anything over $1.5M. As of December 2024, you can now purchase homes up to $1.5M with less than 20% down — up from the old $1M cap.
You must qualify at the higher of 5.25% or your contract rate plus 2%. With today's rates, most borrowers are qualifying around 6%+. We'll run the numbers for you and find lenders where you have the best shot.
Fixed rates give you predictable payments and protection from rate changes. Variable rates have historically been lower but move with the Bank of Canada. We'll help you weigh both based on your goals.
We have access to dozens of lenders — banks, credit unions, and private lenders — and shop on your behalf. Our service is free to you; we're compensated by the lender once your mortgage closes.
No pressure. No obligation. Just real help, real fast.
