Mortgage brokerage · Ontario and Alberta
It’s time we spill the tea on mortgages.
Get a mortgage on your terms, when and where you want. We compare 45+ lenders, put every number in writing, and run the whole file remotely, from first conversation to funding.
RECA Licensed
24-hr commitment
Fully remote, ON and AB
Today’s best rates
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5 year fixed, insured
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5 year variable
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45+
Lenders compared
24 hrs
To commitment
ON and AB
Two provinces
Our lending partners
How can we help?
Tell us where you are, we’ll take it from there.
Buying a home
Work out what you can actually finance before you fall for a listing. Pre-approval, the offer, underwriting and closing, in order.
Start here →
Renewing
Signing the renewal letter is a choice, not a default. We price switching against staying, net of every fee, and tell you which wins.
See the renewal process →
Refinancing
Reach your equity without selling, consolidate debt, or restructure after a life change. What breaking mid-term costs, and when it is worth it.
See the refinance process →
Choosing a broker
1. Can you buy
2. Pre-approval
3. The offer
4. Underwriting
5. Closing
6. Living with it
7. Renewal
8. Refinancing
9. If it goes wrong
Why Pekoe
Here’s why you should use us.
A bank shows you its own shelf. We compare the whole lender market, and we back it with three promises.
Pekoe Rate Drop Guarantee
Get the lowest rate or receive up to $2,000 cash back when you close. It’s that simple.
Higher Approval Amounts
In our files, clients are approved for around $70,000 more than at their branch, because we place the file where its rules fit.
Lightning Fast Approvals
Our 24-hr commitment guarantee means quicker underwriting when it matters the most.
The whole lender market. Banks, credit unions, monoline and private lenders.
Usually no cost to you. On most standard residential mortgages the lender pays the brokerage.
We say when staying put wins. If your existing lender is the better deal, we tell you.
Live chat, real brokers
Ask a licensed broker, right here, right now.
The chat in the corner goes straight to our team, not a script. Ask a real question about your situation and a licensed broker answers in real time, from their phone if they have to. No form, no application, no waiting for a callback.
Free, no obligation. Licensed in Ontario and Alberta. Prefer to text, call or book a time? Those work too.
Live rates
Updated daily. Priced to your file.
5 year fixed, insured
See rates
5 year fixed, uninsured
See rates
5 year variable
See rates
3 year fixed
See rates
Best available from our lender panel. Your rate depends on your file. Source and time are shown on the rates page.
How it works
From first call to funded.
Four steps, all remote. You never need to visit an office in either province.
01
Talk to a broker
A conversation and a few documents. No application, no credit decision yet.
02
We shop the market
Your file goes to the lenders whose rules it fits, not the branch you walked into.
03
Everything in writing
Rate, terms, penalties and any fee, on paper before you sign.
04
Fund, then stay in touch
We open your renewal before your lender’s letter arrives, with a net number.
Reviews
What clients say
4.9 in Kitchener and 5.0 in Canmore on Google, from 120+ reviews.
Learn
Everything you need to decide well.
Checklists and worksheets
Document checklists, a closing cost worksheet and a first-time buyer guide, as PDFs.
Common questions
Asked before people call.
Do I pay a mortgage broker?
On most standard residential mortgages, no. The lender pays the brokerage a fee when your mortgage closes. On alternative and private deals a fee may apply, and it is in writing before you sign.
Is Pekoe licensed?
Yes. FSRA Brokerage Licence #13321 in Ontario and licensed by RECA in Alberta. Both registers are public, so check us before you send anything.
Do I need to come to an office?
No. We work your file remotely anywhere in Ontario or Alberta. Documents, signatures and calls all happen from wherever you are.
Is a broker better than my own bank?
A bank offers its own products. A broker compares across banks, credit unions and other lenders, and where your mortgage qualifies, that includes insured or insurable pricing that can be very competitive, including at renewal.
Contact
Contact Us
We’d love to hear from you. A question, a scenario, or a file. Nothing to pay to find out where you stand.
Ontario
137 Glasgow St #210
Kitchener, ON N2G 4X8
647-424-2190
Alberta
104, 743 Railway Ave #654
Canmore, AB T1W 1P2
587-329-5392
Hours
Monday to Friday
9 am to 6 pm
hello@pekoe.ca