AI-assisted tools combined with licensed broker support. Watch the overview.
Our proprietary AI analyzes your full financial picture, compares every available product, and surfaces the single best option — including exact cash-back amount.
Fill a 60-second form or chat with our AI. It performs a soft analysis and gives you an immediate approval probability + personalized rate estimate.
Our system doesn’t just “shop around”. It deeply analyzes your income type, credit profile, goals, and current lender promotions across many institutions to find a strong fit.
A real Toronto-area licensed mortgage broker reviews the AI recommendation, speaks with you, locks the rate, and manages the entire file through to closing. The AI handles the heavy data lifting so the human can focus on you.
At closing, we deliver the keys and a direct cash rebate (typically $1,800 – $3,500+). This is our commission share — not a gimmick or higher rate.
At YourFinancing we believe the mortgage process should be fast, transparent, and rewarding.
Most people start by walking into their bank. The bank offers one product at one rate. It can take 7–14 days just to get a pre-approval, and you have almost no negotiating power.
Traditional mortgage brokers improve on this by accessing multiple lenders, but they still rely on manual processes and they keep 100% of the commission the lender pays them (often 0.5%–1% of your mortgage).
Our difference: We built a proprietary AI system that does the heavy lifting in seconds. It reviews your full situation (income, credit, goals, property type) against current offerings from many lenders across Ontario. It surfaces not only competitive rates but the best overall structure and even calculates exactly how much commission we will return to you at closing.
A licensed broker then reviews the recommendation with you, locks everything in, and handles all the paperwork and conditions. The AI handles the heavy analysis so our brokers can move quickly — often same-day pre-approvals on clean files.
When your mortgage funds, you may receive a cash rebate from our commission (the percentage returned varies by lender and deal). Actual amounts depend on the specific mortgage size and terms.
Start with our AI-assisted pre-qualification support. The process is designed to be straightforward. No obligation. Cash back may be available depending on the lender and mortgage.
Join GTA families who got better rates + real cash back.
No obligation. 47-second AI analysis. Licensed in Ontario.