The lender your bank never mentions.
A bank can only offer you its own mortgage. We review the options across a range of lenders and recommend the best fit for your needs and your chance of approval.
- ON, BC, AB and PEI
- Purchases, renewals, refinancing
- No credit check
- To ask a question
- One team member
- From first call to funding
- Big banksSharp pricing for straightforward files. Strict on everything else.
- Credit unionsMore room on income. Often limited to their own province.
- Monoline lendersMortgage-only lenders, often with gentler penalties if you break early.
- Alternative lendersSelf-employed income or bruised credit. Higher rate, shorter term.
- Private lendersShort-term solutions when nobody else fits yet.
Your bank shows you one of these. We look across all five.
Work out the payment before you talk to anybody.
Move the numbers until it looks like your situation. Nothing is submitted and nothing is pulled. When it’s close, send it over and we’ll tell you which lenders fit.
Send us these numbersMortgage of $695,925, including a $20,925 default insurance premium. The rate is yours to set, not a quote. An estimate for planning, not an approval.
A team that works for you, not for a branch.
Nebulae Mortgages is a team of licensed mortgage agents and brokers led by Andrew Rodney. A mortgage is the largest number most people ever sign, and the process is built to be confusing. Our job is to review the options, recommend the lender that fits your situation and is most likely to say yes, explain it in plain language, and stay on the file until it funds.
Whether you’re buying your first place, renewing, or trying to get out from under high-interest debt, the first conversation costs nothing and commits you to nothing.
More about usWhy work with a broker
The difference isn’t the rate on the poster. It’s how many options get weighed before anyone tells you no.
Banks, credit unions, monoline and alternative lenders all price differently and all want different borrowers. We weigh them against your situation and recommend the one that fits, instead of you applying blind.
Every lender has its own appetite. If one won't take the file, that tells us exactly where it should go next, instead of ending the conversation.
The team member on your first call is the team member on your funding date. No transfers, no new file number, nobody asking you to re-send what you already sent.
Mortgages
Whatever the situation looks like, there’s usually a lender built for it.
Also renewals, self-employed income and investment properties. See every mortgage we arrange →
Every enquiry gets a named team member.
When you reach out, a team member takes your file and stays on it to the end. You always know who to call, and they already know your situation.
Meet the team
What clients say
“Harold was a lifesaver for me! He helped me every step of the way through one of the hardest parts of my life and he did it with compassion and positivity. I couldn’t have asked for a better person to guide me through everything! Highly recommend. If I could give more than 5 stars I would!!”
Karen K., client of Harold Martenstyn
How it works
Four steps, and most of the work is ours.
- 01We talk
A short call. What you're buying, what you earn, what you owe. No application, no credit check.
- 02You send documents
One secure link and one clear list. We chase what's missing instead of leaving you guessing.
- 03We find the best fit
We review the options, recommend the lender that best fits your needs and is most likely to approve, explain why, and submit your file there.
- 04We close
Conditions, the lawyer, the funding date. We stay on it and do the chasing right through to the keys.
Find out what you qualify for.
Two ways to start. Not sure yet? Ask us first. Ready to go? Apply now. Either way, one team member looks after you from here.