Save thousands in minutes

Better rates than traditional banks¹

No transfer fees

Trusted by 1M Canadians

We’re making headlines

Rates worth locking in

We'll suggest rates from multiple lenders, to get you a consistently better rate than a traditional bank¹. At your next renewal we will do the same, always getting you a market leading rate 



Neo Mortgage™ Rate

Traditional Bank Rate

5-Year Variable Rate (Closed)

5-Year Variable Rate (Closed)

Here’s how much you can save with Neo Mortgage™ compared to a traditional bank¹ 

Flexibility for real life 

A Neo Mortgage™ can help prepare you for life’s changes.

500% less penalties to move or change your mortgage than a traditional lender

20% annual lump sum payments can help you pay off your mortgage sooner 

No transfer fees

How it works

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

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

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

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

Here’s what our customers are saying:

Over the course of 7 years and two house purchases I have had the pleasure of working with two different mortgage brokers from Neo. Both have gone above and beyond to answer my questions and get me the best terms and quickest results. Two different real estate agents have commented on the speed and responsiveness they demonstrated and two different notary publics commented that the rates they obtained were the best they'd seen.

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 spend, save, and earn. 

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 MortgageTM. A range of credit scores are accepted.

Neo MortgageTM 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 MortgageTM 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. 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™. Our mortgage experts do not work on commission, so you can trust that you are always getting unbiased advice. 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. 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. 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. 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.

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.

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.

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

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