Onest. Mortgage

Name

Onest. Mortgage

Legal name

oneSt. Mortgage

Website

https://www.onest.ca

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

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

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA), Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage brokerage services
• Residential mortgage lending
• Mortgage refinancing
• Home equity financing
• Debt consolidation mortgages

Headquarters

HQ city

Saskatoon

HQ country

Canada

HQ region

North America

Offices2 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 Commission: Earns commission from lenders when mortgages are placed. Commission is paid by the lending institution, not directly by the borrower. This is the primary revenue stream for the brokerage.
2. Secured Credit Card Referrals: Referral fees from Home Trust Secured Visa Card product offered to clients for credit building purposes.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

oneSt. Mortgage is a residential mortgage brokerage that matches individual consumers with mortgage products from over 50 lending institutions across Saskatchewan and Alberta. The brokerage places purchases, refinances, renewals, debt consolidations, and specialized mortgages (self-employed, new immigrants, investment properties) and earns commission from lenders rather than charging clients directly. Operations are delivered through licensed mortgage associates and brokers supported by a web-based application portal and online calculators.

Product overview

Onest. Mortgage is a mortgage brokerage franchise operating in Saskatchewan and Alberta, affiliated with Mortgage Architects network. The company offers a comprehensive suite of mortgage products and services including first-time home buyer mortgages, debt consolidation, mortgage refinancing, renewals, credit improvement solutions, self-employed mortgages, new-to-Canada mortgages, investment property financing, home equity/renovation financing, and vacation home mortgages. The company also provides mortgage calculators as digital tools and offers the Home Trust Secured Visa Card for credit building. With access to over 50 lending institutions, the brokerage matches clients with appropriate lenders and mortgage products tailored to their financial situations.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Refinancing Refinancing service allowing homeowners to access up to 80% of their home's value to pay off debts or access equity.
• First Time Home Buyers Mortgage Mortgage financing services specifically designed for first-time home buyers, including pre-approval processes and guidance through the home purchasing journey.
• Debt Consolidation Mortgage Mortgage refinancing service that consolidates high-interest credit card debt into a single lower-interest mortgage payment.
• Mortgage Renewal Mortgage renewal services helping homeowners renegotiate terms with lenders or switch to better rates at renewal time.
• Credit Improvement Mortgage Mortgage solutions for individuals with credit challenges, connecting clients with non-traditional lenders who offer financing options.
• Self-Employed Mortgages Mortgage financing options for self-employed individuals who may have difficulty qualifying due to reduced taxable income from business write-offs.
• New To Canada Mortgages Mortgage products for new immigrants who have been in Canada for less than three years, have landed immigrant status, and have been employed for a minimum of three months.
• Investment Property Mortgages Financing solutions for residential investment properties, helping clients build long-term wealth through real estate.
• Home Renovations & Construction Financing Home equity-based financing for renovation projects and construction costs, allowing homeowners to access funds for improvements.
• Vacation & Second Home Mortgages Mortgage financing for vacation properties and second homes, including cottages and recreational properties.
• Home Trust Secured Visa Card Secured credit card offered through Home Trust for building or rebuilding credit, with security deposits ranging from $500 to $10,000.

Quantifiable outcome

• 5-star client rating on Google reviews
• +2 more outcomes

Named customers7 records

Segments10 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Mortgage ArchitectscoreChannel Partner/ Reseller/ DistributoroneSt. Mortgage operates as a franchise of Mortgage Architects, one of Canada's well-respected mortgage broker networks. This provides access to established brand, systems, lender relationships, and support infrastructure.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• True North Mortgage: Canadian online mortgage brokerage offering rate comparison and digital application flows, competing directly for the same Canadian retail mortgage borrower as Onest.
• Mortgage Architects: The franchisor of Onest Mortgage, Mortgage Architects is a Canadian mortgage broker network whose franchisees operate under the same multi-lender panel and brand framework, making it the closest direct comparable for unit economics and operating model.
• Dominion Lending Centres (DLC): Canada's largest mortgage brokerage network, offering multi-lender access to franchisee brokers across provinces with a similar commission-based model and broad product panel.
• Verico Financial Group: Canadian mortgage brokerage franchise network providing member brokers with access to multiple lenders, technology platforms, and marketing support under a similar franchise structure.
• Mortgage Alliance Company (MAC): Canadian mortgage broker network with franchisees serving regional markets using a multi-lender panel and shared back-office infrastructure.
• CanWise Financial: Canadian mortgage brokerage with multi-lender access and a tech-enabled application experience, competing for the same borrower base across Canadian provinces.

Emerging players

• Ratehub.ca: Canadian fintech comparison platform that aggregates mortgage rates from lenders and brokers and funnels users to brokers and lenders, representing an emerging digital-first alternative to traditional broker channels.
• nesto: Canadian digital mortgage brokerage/lender with online origination flows, competing for the same digitally-oriented Canadian mortgage borrower through lower-cost tech-enabled service.

Broad incumbents

• TD Canada Trust (Mortgage Division): Major Canadian bank offering in-house retail mortgage origination; competes with brokers on rate, convenience, and bundled banking relationships, representing the channel-displacing incumbent alternative.
• RBC Royal Bank (Mortgage Division): Major Canadian bank with a large retail mortgage origination franchise; competes with brokerages for prime borrowers through direct digital and branch channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/onestmortgage

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Onest. Mortgage