Verified brokers
Every broker's license is manually verified before they're eligible to match.
Private by default
No document storage. No uploads. Simply receive your broker's checklist and email the required documents directly.
Transparent matching
See exactly why each broker was matched to you — specialty fit, response time, reviews.
How it works
Tell us about your goals
A quick guided questionnaire — buying, refinancing, or renewing. One question at a time.
See your top matches
Ranked brokers with clear reasons why they're a fit for your situation.
Chat and track your progress
Secure in-app chat with your broker and a simple status tracker from start to close. Send documents directly to your broker — Mortvio never stores them.
Join a network where verified brokers win.
Clients come to us pre-qualified with a full affordability profile. You only appear in matches where you actually fit — no wasted leads. After signup you'll complete a short broker checklist, then our team verifies you before you go live.
Verification is manual and typically completes within 2 business days.
- Step 01
License & E&O insurance
Upload your provincial mortgage license and current errors-and-omissions insurance. Manually verified before you go live.
- Step 02
Provinces & service areas
Pick every province you're licensed in — clients only see brokers licensed where they're buying.
- Step 03
Specialties & accepted deals
Declare your price range, employment types (self-employed, contract, etc.), and credit ranges you'll work with.
- Step 04
Bio, response time & languages
A short intro, typical response time, and languages you serve — this is what powers your fit score for every match.
See it in action
Two short walkthroughs: creating your broker account, and using your dashboard day to day.
Mortgage basics
Plain-language guides to the parts of the Canadian mortgage process that matter most.
What is the mortgage stress test?
How Canada's qualifying rate is calculated and why it changes how much you can borrow.
Read guideHow much down payment do I need?
Tiered minimums by price, the $1.5M insured cap, CMHC costs, and amortization options.
Read guideBroker vs. going direct to a bank
What a broker does differently, when each option makes sense, and how to decide.
Read guideFrequently asked questions
Is Mortvio free for home buyers?
Yes. Mortvio is completely free for clients. Brokers pay to be part of the network — you never pay us anything to get matched, chat, or track your application.
Is Mortvio a lender or a mortgage broker?
Neither. Mortvio is a matching service that connects you with independently licensed mortgage brokers. We don't lend money, set rates, or provide mortgage advice ourselves.
How does Mortvio decide which brokers I'm matched with?
We score verified brokers against your situation — specialty fit, track record with similar clients, response time, ratings, and current availability — and show you the top matches with a plain-language reason for each one. Brokers cannot pay to rank higher.
How are brokers verified?
Every broker's provincial license and errors-and-omissions insurance is manually checked by our team before they're eligible to appear in any match. Verification typically completes within two business days.
Do I need to upload my documents to Mortvio?
No. Mortvio does not store or host your documents. Your matched broker sends you a checklist in-app, and you email the required documents to them directly through their own secure channel.
Will applying affect my credit score?
No. Getting matched on Mortvio does not involve a credit check or a hard inquiry. Your broker will discuss credit checks with you directly if and when it's needed.
What does a broker see about me before accepting?
Before a broker accepts you as a client, they only see general ranges — income band, credit band, down payment percentage, province, and timeline. Your name, contact details, and exact financial figures are only shared once you've selected a broker and they've accepted.
Can I talk to more than one broker before deciding?
Yes. You can chat with a few matched brokers to ask questions before committing, then select one to work with on your application.
Can I switch brokers if it's not working out?
Yes. You can revoke a broker's access at any time from your account settings and choose a different match — no penalty, no lock-in.
How do I know a "pre-approved" or "closed" update is real?
Key milestones like pre-approval and funding/closing are confirmed by our team directly with you before your status updates, so you're never relying on a broker's word alone.
Does Mortvio sell my data?
No. Your data is never sold. It's only shared with the specific broker you choose to work with, and only to the extent needed to process your application.
How long does it take to get matched?
The guided questionnaire takes about three minutes, and you'll see your matches immediately afterward.