Mortgage Architects

What Mortgage Architects does

Mortgage Architects Inc. is a privately-held Canadian mortgage brokerage headquartered in Mississauga, Ontario, operating a network of independent mortgage brokers across Canada. Founded circa 2014, the company connects Canadian consumers with over 50 lending institutions, including major banks, credit unions, trusts, and other national and regional lenders. Independent brokers within the network advise on residential and commercial mortgages, refinancing, and renewals, supported by a consumer-facing website, the My Mortgage Planner mobile application (iOS and Android), a suite of online mortgage calculators (payment amount, rent vs. buy, affordability), and an educational learning centre with video content. The company holds provincial brokerage licenses including FSRA Ontario (#12728) and FCAA Saskatchewan (#316728), and operates a Quebec-specific entity under the French operating name Les Architectes hypothécaires.

The company earns revenue primarily through lender-paid commissions on closed mortgages, a transaction-fee model with no direct fees charged to consumers. Its product portfolio spans core residential and commercial mortgages, reverse mortgages for homeowners aged 55+ (distributed through partnerships with Equitable Bank and Home Equity Bank), and the wholly-owned EasyLease equipment leasing subsidiary serving Canadian businesses with a simplified application portal offering 24-48 hour turnaround. Target customer segments include first-time home buyers, self-employed Canadians, new Canadians with limited credit history, real estate investors, and senior homeowners. The company has no disclosed external funding rounds or institutional ownership, suggesting self-funded organic and selective inorganic growth, including the acquisition of Argentum and the launch of EasyLease.

Distribution combines a broker-led field channel (independent agents across 20+ Canadian cities including Toronto, Montreal, Calgary, Vancouver, Ottawa, and Edmonton) with self-serve digital channels (website, mobile app, and location-based broker search). Marketing relies on content marketing through the learning centre and blog, social media presence across Facebook, Instagram, LinkedIn, Twitter, and YouTube, and SEO-driven find-a-broker functionality. The business model is dependent on Canadian mortgage origination volume and lender compensation structures, exposing the company to interest rate cycles and housing market turnover.

Name

Mortgage Architects

Legal name

Mortgage Architects Inc.

Website

https://mortgagearchitects.ca

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

251–500 employees

Short description

Mortgage Architects is a Canadian mortgage brokerage operating a network of independent brokers connecting consumers with over 50 lenders across Canada. It earns lender-paid commissions on residential, commercial, and reverse mortgages, with adjacent equipment leasing via its EasyLease subsidiary.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Commercial & Multifamily Mortgage Brokers (FSALABAB), Reverse Mortgage Brokers (FSALABAD)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Commercial mortgage brokerage
• Reverse mortgage solutions
• Equipment leasing brokerage

Headquarters

HQ city

Mississauga

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Others

Revenue model

1. Broker Commission (Lender Compensation): Independent mortgage brokers working within the Mortgage Architects network earn commissions paid by lenders when mortgages close. The lender compensates the broker for the services and solution provided, typically after the mortgage has closed.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mortgage Architects is a Canadian mortgage brokerage network that connects borrowers with over 50 lending institutions (major banks, credit unions, trusts, and national/regional lenders) to source residential and commercial mortgages, refinancing, renewals, and reverse mortgages. Its independent brokers earn commissions paid by lenders after a mortgage closes, with no direct fee charged to consumers. The company also offers the EasyLease equipment leasing program for businesses and digital consumer tools including the My Mortgage Planner mobile app and online mortgage calculators.

Product overview

Mortgage Architects is a Canadian mortgage broker network operating as a unified platform offering commercial and residential mortgage services. The core offering connects borrowers with over 50 lending institutions across Canada. The product portfolio includes: core mortgage brokerage services (Buying, Refinancing, Renewing), the EasyLease equipment leasing program, Reverse Mortgage solutions for seniors 55+, the My Mortgage Planner mobile app, a suite of online Mortgage Calculators, and an educational Learning Centre. These products work together to provide end-to-end mortgage solutions from initial qualification through ongoing management.

Differentiator

Problem solved

Functional benefit

Brands

• EasyLease: Equipment leasing division offering financing solutions for Canadian businesses to acquire equipment through leasing arrangements with quick turnaround times and simplified application processes.

Products and services

• Commercial & Residential Mortgage Brokerage Services Core mortgage brokerage services connecting Canadian borrowers with over 50 leading lenders for competitive rates on home purchases, refinancing, renewals, and commercial mortgage needs; offered through the independent broker network.
• Reverse Mortgage Mortgage solution for Canadian homeowners aged 55+ allowing access to up to 55% of home equity without required monthly payments; offered through Equitable Bank and Home Equity Bank.
• EasyLease Equipment Leasing Equipment leasing program offering financing for Canadian businesses with a quick 24-48 hour turnaround via the Easylease Express portal, and complete branded turnkey leasing programs for equipment suppliers.
• My Mortgage Planner Mobile App Mobile application providing tools to help consumers navigate the Canadian mortgage landscape, including pre-qualification and mortgage planning features; available on iOS and Android.

Quantifiable outcome

• Access to over 50 lenders for competitive rates

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Over 50 Canadian LenderscoreChannel Partner/ Reseller/ DistributorMortgage Architects provides access to over 50 of Canada's leading lenders including major banks, credit unions, trusts and other national and regional lenders. These lender partnerships form the core of the mortgage broker network value proposition, enabling brokers to shop rates and products on behalf of customers.
• Equitable BankcoreChannel Partner/ Reseller/ DistributorOne of two Canadian Schedule I banks offering reverse mortgages. Equitable Bank's reverse mortgage products are offered through Mortgage Architects brokers to Canadian homeowners aged 55+.
• Home Equity BankcoreChannel Partner/ Reseller/ DistributorOne of two Canadian Schedule I banks offering reverse mortgages. Home Equity Bank's reverse mortgage products are offered through Mortgage Architects brokers to Canadian homeowners aged 55+.
• CMHC (Canada Mortgage and Housing Corporation)coreChannel Partner/ Reseller/ DistributorCanada's national housing corporation providing mortgage loan insurance and mortgage programs. Mortgage Architects offers CMHC products including Purchase Plus Improvements Mortgage for homebuyers.
• Make-A-Wish CanadaminorOthersMortgage Architects is a proud supporter of Make-A-Wish Canada, a charity that grants wishes to children with life-threatening medical conditions. Total amount raised: $61,104.44 (as of January 22, 2021).

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Others

• HomeEquity Bank: HomeEquity Bank is the other Schedule I bank offering reverse mortgages in Canada, distributing through Mortgage Architects' broker network. As a lender partner, it represents the supply-side participant in the broker distribution model that Mortgage Architects operates within.
• Equitable Bank: Equitable Bank is one of two Canadian Schedule I banks offering reverse mortgages through Mortgage Architects brokers. As a lender partner, it provides both partnership revenue opportunity and a comparable Canadian alternative lending institution in the broker ecosystem.

Emerging players

• CanWise Financial: CanWise Financial is a Canadian mortgage brokerage that offers multi-lender rate shopping, originally co-founded with a major broker network. It is comparable to Mortgage Architects as a Canadian mortgage broker leveraging lender aggregation for consumer pricing.
• Pine (by Pineapple Financial): Pine is a Canadian tech-enabled mortgage brokerage platform offering a digital-first broker experience. It competes with Mortgage Architects by combining broker expertise with streamlined digital tools targeting younger Canadian home buyers.
• nesto: nesto is a Canadian digital mortgage lender and brokerage that offers a cloud-based, fully online mortgage experience. It represents the emerging fintech approach that competes with traditional broker networks like Mortgage Architects by reducing friction in rate shopping and origination.

Direct peers

• Ratehub.ca: Ratehub.ca is a Canadian mortgage rate comparison and broker platform that helps consumers compare rates from multiple lenders and connect with brokers. It competes directly with Mortgage Architects in the multi-lender shopping and broker-matching experience.
• Dominion Lending Centres (DLC): Dominion Lending Centres is Canada's largest mortgage broker network, operating a model nearly identical to Mortgage Architects with a national network of independent mortgage professionals accessing multiple lender partners. It is the most directly comparable peer in scale and business model.
• Loans Canada: Loans Canada operates a Canadian online lending and mortgage broker marketplace connecting borrowers with multiple lenders, comparable to Mortgage Architects in serving as an intermediary that aggregates lender options for consumers across Canada.
• Mortgage Brokers OAA (Ontario Association approach) / Verico: Verico is a Canadian mortgage broker network that recruits independent mortgage professionals and provides access to multiple lenders, closely paralleling Mortgage Architects' channel partner model and lender aggregation value proposition.

Broad incumbents

• Rocket Mortgage (Canada operations): Rocket Mortgage is the largest US direct-to-consumer mortgage lender with growing Canadian presence through its Rocket Canada operations. It represents the broad-incumbent digital mortgage model that competes with traditional broker networks on speed and self-serve experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mtg_architects
• YouTubeyoutube.com/mortgagearchitects
• Facebookfacebook.com/mortgagearchitects
• LinkedInlinkedin.com/company/mortgage-architects
• Instagraminstagram.com/mortgagearchitectscanada

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mortgage Architects