One Link Mortgage & Financial

What One Link Mortgage & Financial does

One Link Mortgage & Financial is a privately held Canadian mortgage brokerage firm founded in 2002 and headquartered in Winnipeg, Manitoba, operating under the VERICO Financial Group network. The firm is owned and operated by 4549440 Manitoba Ltd. and employs approximately 20 licensed mortgage advisors across five offices in Winnipeg (two locations), Steinbach, Stonewall, and Winkler, serving Manitoba and Saskatchewan with additional licensing in Alberta and Ontario. Core products include residential mortgage purchase financing, refinancing, and renewals, supplemented by a commercial mortgages division, HELOC, pre-approval, and pre-qualification services, plus specialized offerings for first-time homebuyers, self-employed borrowers, and new immigrants.

The firm operates on a transaction-based revenue model in which lenders pay a finder's fee to the brokerage upon funding of each placed mortgage; service is free for typical residential purchase transactions. Its core "technology" is a brokerage platform that aggregates access to 50+ lenders including Chartered Banks, Credit Unions, Monoline Lenders, Life and Trust Companies, and Private Lenders, supplemented by basic online mortgage calculators and a learning center. The firm is sales-led, with independent owner-operator advisors (most holding the AMP designation) handling clients one-on-one through pre-approval to closing. Marketing is multi-channel: website, blog content, social media, and VERICO network referral.

Customer segments are primarily residential homebuyers and homeowners seeking renewals/refinancing, with secondary exposure to commercial property investors and specialized borrower categories. The firm has earned three consecutive Regional Brokerage-Prairies Awards of Excellence (2023-2025) and the inaugural Canadian Brokerage Award of Excellence in 2025. No external funding rounds, M&A, or AI/technology capabilities are disclosed.

Name

One Link Mortgage & Financial

Legal name

One Link Mortgage & Financial

Website

https://onelinkmortgage.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

One Link Mortgage & Financial is a Winnipeg-based independent mortgage brokerage serving Manitoba and Saskatchewan residential homebuyers and homeowners with access to 50+ lenders, offering purchase, refinance, and renewal services through five offices and approximately 20 licensed advisors.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industries

Home Equity Loan & HELOC Intermediation (FSAEAEAD), Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Mortgage refinancing
• Commercial mortgage financing
• Mortgage renewal advisory

Headquarters

HQ city

Winnipeg

HQ country

Canada

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Placement Commission: The brokerage earns a finder's fee from lenders when introducing creditworthy customers to financial institutions. This is the primary revenue stream. Service is free for typical residential mortgage transactions when purchasing a property. Fees may apply for other financing vehicles such as consolidation loans or credit facilities.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

One Link Mortgage & Financial is an independent mortgage brokerage that matches borrowers with lenders for residential and commercial mortgage financing. The firm provides mortgage placement, refinancing, renewal, pre-approval, and home equity (HELOC) services by accessing over 50 lenders including major banks, credit unions, monoline lenders, life and trust companies, and private lenders. Service is free for typical residential mortgage purchases, with the brokerage compensated via lender-paid finder's fees upon funding.

Product overview

One Link Mortgage & Financial operates as an independent mortgage brokerage firm offering a comprehensive suite of mortgage products and services across Manitoba, Saskatchewan, Alberta, and Ontario. The core offerings consist of residential mortgage purchase, refinancing, and renewal services, complemented by commercial mortgage capabilities. The company provides specialized services including pre-approval, pre-qualification, and home equity products (HELOC). Self-service tools include mortgage calculators (amortization, payoff, debt payoff, qualification, rent vs. buy) and a learning center with educational content. Additional specialized services target first-time homebuyers (Home Buyers Plan, First Time Home Buyers Tax Credit) and self-employed individuals.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Mortgage Purchase Brokerage service arranging mortgage financing for the purchase of residential properties, including single-family homes, condominiums, and vacation properties. Service is free to the borrower and the brokerage is paid via lender finder's fees.
• Mortgage Refinancing Brokerage service replacing existing mortgages to obtain lower interest rates, consolidate debt, or access home equity for renovations or major purchases. Includes a 'no fee refinance' program that saves appraisal and legal costs.
• Mortgage Renewal Brokerage service helping homeowners extend or renew their existing mortgage agreements at competitive rates by shopping the lender market on their behalf.
• Commercial Mortgages

Quantifiable outcome

• Save on appraisal and legal costs through 'no fee refinance' programs

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• VERICO Financial GroupcoreChannel Partner/ Reseller/ DistributorOne Link Mortgage is a member of the VERICO Financial Group network, a national network of trusted mortgage brokers. VERICO provides brand association, network support, and access to additional resources for member brokerages.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Centum Financial Group: Canadian network of independent mortgage brokers with multi-province licensing. Operates a near-identical brokerage franchise model with access to multiple lenders and commission-based revenue.
• Mortgage Architects: Canadian mortgage brokerage network offering access to multiple lenders via independent brokers. Closely comparable business model to VERICO-affiliated One Link, with similar owner-operator broker structure.
• Lendwise Mortgages: Independent Canadian mortgage brokerage operating across multiple provinces with multi-lender access. Direct comparable operating in similar retail residential brokerage segment.

Broad incumbents

• Home Trust Company: Canadian alternative mortgage lender offering residential mortgages through broker channels. Comparable as one of the non-bank lenders in networks like One Link's that brokers regularly place customers with.
• MCAP: One of Canada's largest independent mortgage finance companies operating as a monoline lender and origination platform. Functions partly as a competing lender relationship for One Link and partly as an indirect comparable in commercial/residential origination.
• Dominion Lending Centres: Canada's largest mortgage brokerage network with thousands of agents across all provinces. Direct comparable as an independent-broker-network model, but materially larger and operating nationally rather than regionally.
• RMG (ResMor Trust): Canadian mortgage brokerage and monoline lender serving brokers nationally. Comparable as both a competitor for brokerage business and as one of the lenders in networks like One Link's that offer competing rates.

Emerging players

• Pine Mortgage: Canadian fintech mortgage broker with digital application flow and access to multiple lenders. Comparable as a competing mortgage intermediary targeting similar Canadian homebuyers with multi-lender sourcing.
• nesto: Canadian digital mortgage brokerage offering direct-to-consumer and broker-channel products across multiple provinces. Comparable as a competing mortgage intermediary with strong technology focus and multi-lender access.

Regional players

• FAIR Mortgage Solutions: Western Canadian mortgage brokerage network with multi-lender access. Comparable as a regional brokerage competitor in Manitoba/Saskatchewan/Prairies geography.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/OneLinkMortgage
• Facebookfacebook.com/OneLinkMortgageandFinancial

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 One Link Mortgage & Financial