Metric 01
4.9/5
client rating
MORTGAGE HELP
Clear Mortgage Options
Compare rates, get pre-approved, and plan your next move with plain advice. We help first-time buyers, owners who want to refinance, and self-employed borrowers across Canada.
Metric 02
24h
first reply time
Metric 03
20+
lender options
HOW IT WORKS
Four Clear Steps
Budget checks, rate review, and pre-approval steps for your first home.
2-3 days
First-Time Buyer Help
From $0
Budget checks, rate review, and pre-approval steps for your first home.
7-10 days
Refinance Review
From $299
60 days out
Renewal Planning
From $0
01Same week
Pre-Approval Check
From $0
See how much you may borrow before you start house hunting.
02Case by case
Self-Employed Mortgages
From $449
Help for contract, commission, and business income files in Canada.
03Investor files
Rental Property Loans
From $599
Financing for one rental home or a small set of investor properties.
SERVICES
Mortgage Help for Canada
We look at your goals, income, down payment, and timeline.
01
Quick Intake Call
02
Compare Lenders
03
Pick Final Terms
04
Close and Fund
CLIENT RESULTS
Recent Mortgage Wins
First-time buyer budget check One rate check Pre-approval file review Renewal timing check Basic lender shortlist
One-time file feeOne-time file fee
Starter
From $499
- First-time buyer budget check
- One rate check
- Pre-approval file review
- Renewal timing check
- Basic lender shortlist
Most popularOne-time file fee
Signature
From $1,250
- Second strategy call
- Three lender quotes
- Debt consolidation review
- Self-employed income docs
- Rate and term comparison
- Closing file support
By file typeBy file type
Scale
Custom
- Portfolio file plan
- Rental property financing
- Refinance cash-out review
- Annual renewal planning
- Backup lender path
- Priority phone support
WHAT CLIENTS SAY
Words From Clients
Pre-approval done in 3 days and a clear budget before house hunting.
First-time buyer
First Home in Mississauga
Pre-approval done in 3 days and a clear budget before house hunting.
Refinance
Lower Payment in Calgary
Renewal
Renewal Saved Early
Self-employed
Self-Employed File Ready
Investor
Rental Buy in Ottawa
First-time buyers
Maya Desai
Refinance and renewal
Ethan Clarke
Self-employed files
Nadia Ahmed
Investor loans
Liam O'Brien
Proof
Customer notes
Verified
“Ruby Mortgage made our renewal easy and found a better rate in time”
Jenna Park
Homeowner, Mississauga
Verified
“We got a fast pre-approval and knew our price range before house hunting”
Daniel Wong
First-time buyer, Toronto
Verified
“Our self-employed file was handled with care and the lender fit was right”
Priya Shah
Business owner, Calgary
Service area
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham, Etobicoke
Area 01
Greater Toronto Area
Toronto, Mississauga, Brampton, Vaughan, Markham, Etobicoke
Area 02
Ottawa Valley
Ottawa, Kanata, Nepean, Orleans, Gatineau
Area 03
Calgary Area
Calgary, Airdrie, Cochrane, Okotoks, Chestermere
Area 04
Lower Mainland
Vancouver, Burnaby, Surrey, Richmond, Coquitlam
Journal
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Questions
Mortgage Questions
Quick answers before visitors choose a product, service, or next step.
01Do you help first-time buyers?+
Yes. We help with budgets, pre-approvals, lender choices, and the steps from offer to closing in Canada.
02Can you review my renewal early?+
Yes. We can check your renewal before the date hits and compare better rates or terms for your next step.
03Do you handle refinance requests?+
Yes. We look at lower payments, cash-out needs, and debt consolidation options to see what fits your home.
04Can self-employed buyers apply?+
Yes. We work with contract, commission, and business income files that need the right lender fit.
05Do you finance rental homes?+
Yes. We help with one rental or a small set of properties and compare lender rules and down payment needs.
06How do I book a call?+
Use the booking button on this page, or email [email protected] to set a time that works for you.
Get Rate Updates
Get short notes on rate moves, renewal timing, and mortgage steps for Canadian buyers and owners.