MORTGAGE TREE BROKERAGE INC.

What MORTGAGE TREE BROKERAGE INC. does

Mortgage Tree Brokerage Inc. is a privately held Canadian mortgage brokerage incorporated and headquartered in Calgary, Alberta, with cross-provincial licensing under the Financial Services Regulatory Authority of Ontario (license #13118). The firm originates residential and commercial mortgage products on behalf of borrowers by acting as an intermediary between clients and a panel of more than 30 institutional lenders, which it uses to shop rates and terms rather than originate from a single balance sheet. Its service portfolio spans home purchasing, refinancing, renewals, home equity lines of credit, second and private mortgages, builder/construction mortgages, commercial mortgages, and CHIP reverse mortgages for the 55+ segment.

The company's product surface combines a human-broker advisory model with a layer of digital self-serve tools: a third-party online application widget (getmy.mortgage), a branded Canadian Mortgage App with sub-60-second pre-qualification, six free online calculators (affordability, renewal, CMHC, land transfer tax, closing cost, purchase), documentation checklists, a downloadable home ownership guide, rate alerts, and a renewal reminder service. Distribution runs through direct sales at the Calgary office, phone, the online application, the mobile app, content marketing (blog, email newsletter, social media, podcast appearances), and a referral channel anchored by major Calgary-area real estate brokerages including Re/Max, Brookfield Residential, CIR Realty, and Royal Lepage.

The revenue model is transaction-based: Mortgage Tree earns lender-paid commissions on each funded mortgage file, with no disclosed consumer-facing fees. Ancillary monetization comes indirectly through the MortgageTree Rewards loyalty program, which aggregates ~18 home-services partners (legal, moving, inspection, insurance, renovation, fitness, automotive) to drive client retention and referrals rather than direct revenue. The firm has 11–50 employees, no disclosed external funding, no parent company, and no M&A history; it is founder/owner-operated with key personnel including Kent Chapman and Colette Chapman.

Name

MORTGAGE TREE BROKERAGE INC.

Legal name

Mortgage Tree Brokerage Inc.

Website

https://mortgagetree.ca

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Mortgage Tree Brokerage Inc. is a privately held Calgary-based mortgage brokerage that arranges residential and commercial mortgages for Canadian borrowers by intermediating between clients and a panel of 30+ lenders, supported by online applications, calculators, and a partner-driven rewards program.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

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

akta.pro secondary industries

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ), Reverse Mortgage Origination (HECM & Proprietary) (FSALAIAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

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

Headquarters

HQ city

Calgary

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Commission/Brokerage Fees: The company earns commissions from lenders when they place mortgages for clients. Mortgage brokers act as intermediaries between borrowers and lenders, receiving referral fees or commissions from the lending institutions.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Mortgage Tree arranges residential and commercial mortgages through licensed mortgage brokers, providing access to more than 30 lenders to source best-fit mortgage products. Services include home purchase mortgages, refinances, renewals, second and private mortgages, HELOCs, builder mortgages, commercial mortgages, and reverse mortgages, complemented by online application tools, calculators, and a customer rewards program.

Product overview

Mortgage Tree Brokerage Inc. is a Canadian mortgage brokerage offering a suite of digital mortgage tools and professional brokerage services. The company operates a web-based platform featuring free online mortgage calculators (affordability, renewal, CMHC, land transfer tax, closing costs, purchase, and payment calculators), an online mortgage application system, and a client loyalty program called MortgageTree Rewards. Their core services include home purchase mortgages, second and private mortgages, mortgage renewals, refinancing, home equity lines of credit, builder/commercial mortgages, and CHIP reverse mortgages. The company also provides digital tools including mortgage checklists, a home ownership guide, rate alerts, and renewal reminders. The product portfolio centers on the broker-to-client relationship supported by digital tools for self-service calculations and applications, complemented by professional advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Purchasing Mortgage Brokerage Mortgage brokerage services for residential home buyers, including first-time buyers, with access to low rates and pre-payment options across more than 30 lenders. Pre-approvals lock in guaranteed interest rates for 90-120 days.
• Second and Private Mortgages Alternative mortgage solutions for borrowers who do not qualify for conventional mortgages, including self-employed individuals, those with poor credit, and those needing bridge financing.
• Mortgage Renewal Services Brokerage services to help clients negotiate best renewal rates by shopping multiple lenders before mortgage term expiration, beginning 6 months ahead of renewal date.
• Mortgage Refinancing Refinancing services to lower interest rates, switch from variable to fixed rates, consolidate debt, or access home equity.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured against home equity with lower interest rates than credit cards, available up to 65% of home value.
• Builder Mortgages Construction mortgage financing for new home builds with draw programs disbursed at construction stages, including Process-Draw and Completion mortgage options.
• Commercial Mortgages Loans for commercial land or buildings including new construction, apartment buildings, retail malls, storage buildings, income properties, and multi-residential properties.
• CHIP Reverse Mortgage Reverse mortgage product for homeowners age 55 and older, allowing them to receive up to 50% of home value without making payments until the home is sold.
• Mortgage Insurance Options Mortgage and home insurance options offered through partnership with insurance providers to protect client investments.
• Online Mortgage Application Digital mortgage application platform allowing clients to apply for mortgages online via a third-party widget at getmy.mortgage, offering online pre-qualification capability.
• MortgageTree Rewards Program A loyalty discount program exclusively for MortgageTree clients and referral sources offering discounts on goods and services related to home purchase, including automotive, dining, home inspections, renovations, legal services, moving, and insurance.
• Canadian Mortgage App Mobile application available for download enabling quick mortgage pre-qualification in under 60 seconds for prospective borrowers in Canada.

Quantifiable outcome

• The mortgage renewal process starts 6 months ahead of renewal date to ensure optimal rates
• +1 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

20 partnerships are on record, tiered core and minor.

• Autism CalgarycoreOthersMortgageTree donates a percentage of earnings to assist families with autistic children through Autism Calgary. The company organizes an annual Autism Colouring Contest during April (Autism Awareness Month) that has reached over 60,000 households.
• Precision HyundaiminorGTM or Marketing PartnerAutomotive partner in MortgageTree Rewards program offering discounts to clients.
• Orange Theory Fitness CalgaryminorGTM or Marketing PartnerFitness partner in MortgageTree Rewards program. Co-sponsor of Autism colouring contest events.
• Highlander Wine & SpiritsminorGTM or Marketing PartnerAnnual wine and spirits sale events hosted at Aspen Landing location. Offers exclusive discounts to MortgageTree clients.
• Hendrix LawminorImplementation/ SI/ Consulting PartnerLegal services partner offering MortgageTree clients 20% off all Real Estate transactions plus additional discounts on wills and incorporations. Co-sponsor of Autism awareness events.
• AMJ CampbellminorGTM or Marketing PartnerMoving partner offering 40% off packing supplies, 25% off packing rates, free wardrobe boxes, and 10% off local rates to MortgageTree clients.
• MI-Box Moving and Mobile StorageminorGTM or Marketing PartnerMoving and storage partner offering 15% off all services to MortgageTree clients.
• Dunham InsuranceminorGTM or Marketing PartnerInsurance partner simplifying home insurance process for MortgageTree clients, providing quotes from multiple providers.
• Kuefler Stevenson Bennett LLPminorImplementation/ SI/ Consulting PartnerLegal services partner in Calgary offering discounted rates on real estate transactions, refinances, and sales to MortgageTree clients.
• A Buyer's Choice Home InspectionsminorGTM or Marketing PartnerHome inspection services partner offering 10% discounts to MortgageTree clients in Calgary and surrounding areas.
• Zeno RenewablesminorGTM or Marketing PartnerSolar energy partner offering exclusive $500 discount on residential solar PV systems to MortgageTree clients.
• Precision Construction & Decora IncminorGTM or Marketing PartnerHome renovation partner offering 20% off retail prices plus will beat competitors by 5% to MortgageTree clients.
• Lintott LawminorImplementation/ SI/ Consulting PartnerLegal services partner offering 20% off services to MortgageTree clients.
• Alberta Divorce FinancesminorImplementation/ SI/ Consulting PartnerFinancial advisory partner helping clients understand financial options during divorce proceedings.
• Tower CleanersminorGTM or Marketing PartnerDry cleaning partner offering services to MortgageTree clients. Family-owned business since 1978.
• Windows and More CleaningminorGTM or Marketing PartnerWindow and gutter cleaning partner serving MortgageTree clients in Calgary area.
• lumenoxminorGTM or Marketing PartnerLED lighting partner offering 15% off permanent exterior LED lighting to MortgageTree clients.
• CutcominorGTM or Marketing PartnerCutlery partner offering 20% off kitchen knives and home products to MortgageTree clients.
• energuyminorGTM or Marketing PartnerHome energy evaluation services partner helping homeowners increase energy efficiency.
• Vital Partners IncminorGTM or Marketing PartnerHealth Spending Account provider offering low 7.5% administration fee for MortgageTree clients.

Scale indicators2 records

Expansion highlights5 records

Direct peers

• Butler Mortgages: Canadian retail mortgage brokerage operating in multiple provinces with a multi-lender panel and licensed broker model. Comparable to MortgageTree in product breadth (purchase, refinance, renewal, HELOC) and target customer.
• Ratehub.ca: Canadian mortgage rate comparison and brokerage platform connecting borrowers with multiple lenders. Highly comparable to MortgageTree's lender-panel and rate-shopping positioning, and offers online application and rate alerts similar to MortgageTree's tool stack.
• True North Mortgage: Canadian retail mortgage brokerage with a multi-lender panel and in-house licensed brokers serving purchase, refinance, and renewal needs. Directly comparable business model to MortgageTree, with a larger national footprint.
• Centum Financial Group: Canadian mortgage brokerage and financial services network with licensed brokers across multiple provinces. Operates the same multi-lender, fee/commission-based brokerage model as MortgageTree.
• Mortgage Architects: Canadian mortgage brokerage network with multi-lender panels and individual broker operators across provinces. Comparable multi-lender brokerage model to MortgageTree with broader geographic coverage.
• Dominion Lending Centres: Canada's largest mortgage brokerage network with thousands of brokers across the country. MortgageTree operates as an independent brokerage but competes for the same borrowers with the same multi-lender, commission-based business model.
• TMG The Mortgage Group: Canadian mortgage brokerage network providing brokers with multi-lender access and back-office support. Operates on the same multi-lender, commission-based business model as MortgageTree.
• nesto: Canadian digital-first mortgage brokerage offering purchase, refinance, and renewal mortgages through a multi-lender panel and online application. Directly competes with MortgageTree on the consumer-direct mortgage brokerage value proposition, though at much larger national scale.

Emerging players

• Pineapple Financial (formerly CanWise): Canadian digital mortgage brokerage (now publicly listed) offering online purchase, refinance, and renewal mortgages with multi-lender access. Comparable to MortgageTree's product set but with stronger digital-first brand and capital base.

Regional players

• Mortgage Broker Store / MortgageBrokersOttawa: Canadian retail mortgage brokerage operating primarily in Ontario with multi-lender access for purchase, refinance, and renewal mortgages. Comparable business model to MortgageTree but geographically focused on Eastern Canada.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/mortgage-tree-yyc

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 TREE BROKERAGE INC.