no cost to you
In most cases our services are completely free to borrowers. We're compensated by the lender — so you get expert, unbiased advice without the bill.
30 minute response guarantee
We respond to all new inquiries within 30 minutes during business hours. On live deals, you get daily updates — no chasing required.
FSRA licensed & regulated
Fully licensed under the Financial Services Regulatory Authority of Ontario (FSRA) through BRX Mortgage. Your file is always in professional, regulated hands.
one application, 50+ lenders
Fill out one form and we do the shopping across banks, credit unions, and mono-line lenders — including private lenders
why COPA mortgage
independent experts on your side.
As independent mortgage agents, we work for you — not the bank. We shop our full lender network to find the right rate and terms for your situation, and we provide the kind of personal service that big institutions simply can't match.
free consultation
We learn about your goals, timeline, and finances. No pressure — just an honest conversation about your options.
lender shopping
We compare offers across 50+ lenders and present you with your best rate and terms — no guesswork, no bank loyalty required.
close with confidence
We manage everything through to closing day with daily updates — so your only job is picking up the keys.
rate hold & pre-approval
We lock in your rate for up to 120 days and secure a verified pre-approval so you can make offers with confidence.
how it works
simple. clear. guided
From your first question to closing day, we handle the complexity so you can focus on your home.