Simple and secure mortgages, right from your phone

Better rates than traditional banks¹

Fast turnaround and flexible terms

Trusted by 1M Canadians

We’re making headlines

A Neo Mortgage™ can be tailored to your needs

First-time purchase



Buy your dream home with flexible terms and as little as 5% down

Lock in your renewal anytime, anywhere with our digital process

Decrease your monthly payments and pay off your home faster

Rates worth locking in

We'll suggest rates from multiple lenders so you get the best possible rate¹. Your rate is locked in for 120 days so you can sit back, compare your options, and make the decision that best suits your needs. It's that easy.



Traditional Bank Rate

Neo Mortgage Rate

5-Year Variable Rate (Closed)

5-Year Variable Rate (Closed) 

Here’s how much you can save with a Neo Mortgage™ compared to a traditional bank.²

Flexibility for real life 

A Neo Mortgage™ can help you be prepared for life’s changes

Get started with as little as 5% down

Feel secure with 500% lower penalties for term changes than traditional banks¹.

Use the option of 20% annual lump sum payments to pay off your mortgage sooner

Get started today

Apply online and upload photos of your documents to our secure digital platform

Speak to an advisor online or over the phone to get your best rate and dedicated support 

Lock in your rate for 120 days with no surprises, no hidden fees, and no obligation

Contact your advisor anytime to answer questions, complete your mortgage or explore options

We’re backed by the best

Here’s what our customers are saying:

You've made things super easy for us, and we really appreciate that. Prior to contacting you we reached out to a couple other lenders and they made the process so convoluted and made us deal with multiple different people at multiple different stages. Your service has been incredibly valuable to us.

You are so knowledgeable, patient and obliging. I couldn't have asked for a better broker. It's such a relief knowing I will have extra money every month and can start doing some renos on this house.

1 million Canadians are already using Neo to better their financial future

Questions? We have answers.

Anyone that lives in Canada, has a Canadian photo ID, and is the age of majority in your province can apply for a Neo Mortgage™. A range of credit scores are accepted.

Neo Mortgage™ is currently not available to Quebec residents. Don't worry—we're coming soon. Reach out to one of our friendly mortgage experts at 1-855-536-1993 to get on the waitlist today!

Neo Mortgage™ lets you work at your own pace, while providing best-in-class customer service and expert advice. It lets you apply online, anytime, at your convenience – which means it’s there when you need a fast approval to buy a house or a way to lock your rate when rates drop.

There are 3 main differences between Neo and traditional brokers.

  1. Not only do we have mortgages, but we have other awesome banking products including the Neo Card™, the Secured Card, and the Neo Money™ account and Neo Invest™.
  2. Our mortgage experts do not work on commission, so you can trust that you are always getting unbiased advice.
  3. Neo uses technology to get your mortgage faster, with a better end-to-end digital experience. You can complete your entire application faster and entirely online.

There are 3 main differences between Neo and a bank.

  1. Unlike the big banks, Neo screens the entire market to find your best rate available. You will never have to worry about negotiating for a lower rate.
  2. Never visit a branch again! Neo uses technology to get your mortgage faster, with a better end-to-end digital experience. You can complete your application faster and entirely online.
  3. Our mortgage experts do not work on commission, so you can trust that you are always getting unbiased advice.

Neo Mortgage™ is absolutely free! Neo’s revenue comes from our lending partners–they pay Neo directly for each mortgage funded in exchange for helping them acquire customers.

Neo is committed to making mortgages as inclusive as possible. Our team of mortgage professionals work closely with our lending partners to help applicants with less than perfect credit get a mortgage. This isn’t a guarantee, but we’ll try our best.

Card issued by ATB Financial pursuant to license by Mastercard International Inc. Mastercard®️ is a registered trademark and the circles design is a trademark of Mastercard International Inc.

The Neo Money™ Account is provided by Concentra Bank, a CDIC member institution, and is eligible for CDIC deposit protection. Deposits held in Neo Money™ Accounts are combined with eligible deposits held at Concentra Bank, for up to $100,000 of deposit protection, per category, per depositor. For more information about CDIC deposit insurance, please consult CDIC’s website

All product and company names are trademarks™️ or registered®️ trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them. Any product names, logos, brands, and other trademarks or images featured or referred to within the Neo website are the property of their respective trademark holders.

Neo Mortgage Services Inc. Licenses - Ontario #13444, British Columbia MB600606, Alberta, Saskatchewan 510903, Manitoba, Newfoundland & Labrador #2207NE1151, New Brunswick #220015509, Nova Scotia #20223000379, PEI, Yukon, Nunavut, Northwest Territories.

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¹ Based on the median mortgage rates of Canada’s Big 5 banks taken from public websites as at January 09, 2023.

² 5-year fixed rate is up to date as of January 9, 2023. This rate is applicable for high-ratio mortgages and is subject to lender approval.