[Headshot]Mira Patel
Mira Patel
360Lending
- Experience
- 9 years
- Specialty
- Refinances · Self-employed
- Languages
- English · Hindi
For borrowers · Free · 8-minute application
Mortgage options delivered to you
Apply in 8 minutes. Get matched with a licensed professional. See competitive offers across banks, alternative lenders, and private capital. Close and fund without leaving home.
No credit check to applyFree · No commitment until you choose your mortgage
OPENFUND VS. YOUR BANK
Two ways to get a mortgage — One gets you all the options
Going to your bank means one product, one offer, and one decision-maker who works for the bank. Openfund opens up the entire Canadian lender market — with a licensed professional working for you.
Going through Openfund
Going to your bank
Who works for you
A licensed mortgage professional, working for you.
The bank's mortgage specialist works for the bank.
Lenders you can access
Banks, alternative lenders, and private capital — across Canada.
One bank. One set of products.
How offers arrive
Multiple competing offers — comparable, side by side.
One offer, take it or leave it.
What guides the process
A licensed professional plus AI matching technology.
Bank policies and timelines.
How long it takes
Apply in 8 minutes. Close and fund without leaving home.
Days of appointments and paperwork.
Ready to see what Openfund finds you?
Apply in 8 minutes →Trusted by Canadian borrowers
Built on Canada's most trusted mortgage professionals
Verified across Trustpilot and Google, earned by Openfund's founding brokerage network.
0+
Five-star reviews from Canadian borrowers
Invitation only
Openfund's broker network is built by invitation
Founding brokerage 360Lending sets the standard — with 2,000+ five-star reviews from Canadian borrowers. Brokerages are invited to join Openfund based on review history, regulatory standing, and operational integrity. Every broker on the platform is licensed, performance-rated, and accountable to the platform itself.
Review history
Verified five-star track record on public platforms.
Regulatory standing
FSRA-licensed agents and brokers in good standing.
Operational integrity
Performance-rated continuously by the platform.
Meet your match
Meet the kind of professionals you'll be matched with
Every Openfund broker is a licensed Canadian mortgage professional, regulated by FSRA. Your application data is encrypted, stored in Canada, and never shared without your explicit consent.
[Headshot]Sébastien Tran
Sébastien Tran
True North Mortgages
- Experience
- 12 years
- Specialty
- First-time buyers · A-lender
- Languages
- English · French
[Headshot]Jasmine Okonkwo
Jasmine Okonkwo
Coastal Capital Brokers
- Experience
- 7 years
- Specialty
- Construction · Private capital
- Languages
- English
[Headshot]Ravi Dubois
Ravi Dubois
Maple Lane Mortgages
- Experience
- 14 years
- Specialty
- Bruised credit · Alt-lending
- Languages
- English · French
Trusted by Canada's leading mortgage professionals
360LendingBlossom CapitalPace LawVantage LawNorthern TrustPacific Lending
How It Works for Borrowers
Get the right mortgage in 3 steps
No credit check to apply. No commitment until you choose your mortgage.
Step 01
Apply in 8 minutes
Tell us about your situation, your property, and what you're looking for. No credit check, no commitment, no awkward sales call.
- Save and continue anytime — your draft stays put
- Soft data collection only — no impact on your credit
- Encrypted and stored in Canada from the first keystroke
Step 02
Get matched with a licensed professional
Within one business day, a licensed Canadian mortgage broker — vetted by Openfund and rated by past borrowers — reaches out to walk you through your options.
- Every broker is FSRA-licensed and reviewed
- Filtered to match your situation, region, and language
- You meet your broker before they shop your file
Step 03
See your offers and choose
Competitive offers from across Canada's full lender market arrive in one place — rate, fee, term, conditions, side by side. Your broker explains the differences. You choose.
- All offers compared on the same dimensions
- Best-fit recommendation with documented rationale
- No commitment until you accept — and the choice is yours
The Openfund Report
Choose your mortgage — with confidence
When your broker presents your offers, the Openfund Report shows you exactly what was considered — every lender your deal reached, every offer you received, and the reasoning behind the recommended option. You're not asked to trust that the deal was shopped. You see it.
- Every offer your deal received, side-by-side with the recommended one.
- Why this offer fits your situation — and what makes it the right choice.
- Your exit strategy laid out clearly — what happens at renewal, refinance, or sale.
What Openfund costs
Free for borrowers. Free for brokers. Lenders cover the cost
Free for borrowers and brokers — lenders pay a small success fee when your deal funds.
YouBorrower$0to use Openfund
Your brokerLicensed pro$0to access the platform
The lenderPays at closingSuccess feeonly when your deal funds
DisclosureClosing-cost transparency
For most borrowers — A-lender mortgages from major banks and prime lenders — there are no broker or lender fees. For alternative mortgages from B-lenders or private capital, standard industry broker and lender fees may apply. Your broker will fully disclose any fees that apply to your specific situation before you make any decision.
Common questions
Borrower FAQs
The questions we hear most from Canadians evaluating Openfund.
Don't see your question?
Talk to our team- Most A-lender deals fund within 2–3 weeks of application. B-lender and private deals can move faster — depending on lender response time and your situation. Your licensed professional will give you a realistic timeline once they understand your specific deal.
- That's exactly why Openfund matches you across the full lender market — banks, alternative lenders, and private capital. If your situation doesn't fit A-lender criteria (self-employed income, bruised credit, non-standard property, recent change in employment), your professional finds you the best option in B-lender or private capital. You don't get turned away. You get matched with the right path for your situation.
- Openfund is built specifically for borrowers across the full spectrum of situations — from straightforward A-lender renewals to complex private mortgage cases. Your professional reviews your situation and matches you with the right lender for your circumstances. There's no application screening that turns away borrowers with complex profiles. Everyone gets reviewed by a licensed professional.
- Your broker is a licensed mortgage professional, regulated by FSRA, and held accountable by Openfund's platform-wide rating system. Their recommendation comes with the Openfund Report — documenting every offer your deal received and the specific reasoning behind the recommended one. You don't have to take their word for it. You see the evidence.
- Your application data is encrypted, stored exclusively in Canada (ca-central-1), and never shared without your explicit consent. Openfund is registered with FSRA, aligned with PIPEDA, and audited continuously for security. Specific details on our security architecture are available in our Trust Center.
- If your broker is part of the Openfund network, you can request to work with them specifically through the application. If they're not yet on Openfund, we'd be happy to invite them — your relationship comes with you to a better platform.
- No. Applying takes about 8 minutes and costs nothing. After you apply, your matched professional reviews your situation and presents your options — you commit only when you choose to accept an offer. You can also choose not to proceed at any point, with no obligation.
Ready to get your mortgage options?
Apply in 8 minutes. Get matched with a licensed professional. See real offers across Canada's full lender market.
Free for borrowers · No credit check to apply · No commitment until you choose