About us

We make mortgage more accessible and help Canadians make better mortgage decisions

Frank Mortgage is a licensed Canadian mortgage brokerage. We compare options from Canada's top banks, credit unions, and monoline lenders - and in most cases our service is free to borrowers.

Our mission

Transparent mortgage brokerage - for Canadians, by Canadians

Frank Mortgage is a Canadian mortgage brokerage that helps homebuyers and homeowners compare mortgage options from multiple lenders in one place. We exist because mortgage shopping in Canada is broken - most borrowers never see beyond their own bank, and they pay for it.

Unlike going direct to a bank, working with Frank means transparently seeing what options are available to you. Our system searches the full market on your behalf and our licensed advisors get your deal done. Unlike some brokers, we don't steer you toward a lender because they pay us more. The lender that fits your goals, risk profile, and timeline is the lender we'll recommend.

We operate in 9 provinces (excluding only Quebec) and work with purchase, renewal, refinance, and home-equity clients across Canada.

Quick facts

Type: Licensed mortgage brokerage
Services: Purchase, renewal, refinance, HELOC
Lenders: 40+ mortgage lenders
Broker fee: $0 for most prime nd alt B-mortgages
Support model: Dedicated advisor & online process
Provinces: 9 (all except Quebec)
Special offers: Special deals often available

Our fee model

How Frank gets paid

Full transparency - this is exactly how our compensation works.

Free for you

Prime residential mortgages

For most standard purchase, renewal, and refinance transactions, Frank earns a finder's fee paid directly by the lender when your mortgage closes. This is the standard Canadian broker model and it costs you nothing.

Our fee from the lender doesn't depend on which lender you choose - so we have no financial incentive to push you toward one over another.

Fee disclosed upfront

Non-prime and specialty deals

For some non-prime and alternative lending, most borkers charge a fee - but we do not. We earn a finder's fee from the lender on these deals and do not charge a broker fee. This is a unique benefit to you and reflects our focus on you, our customer, as the priority. The only time we charge a fee is when a mortgage is done in the private mortgage market - because the lenders do not pay us.

In any case where a fee to you applies, Frank will disclose the exact amount in writing before you commit to proceeding. You can always ask about fees at any point.

Regulatory transparency

Under Canadian mortgage broker regulations, we are required to disclose our compensation. Frank takes this seriously. If you'd like a written statement of all fees and compensation before any commitment, just ask - we'll provide it immediately.

Licensing & compliance

Licensed to help you across Canada

Frank holds active mortgage broker licences in 9 Canadian provinces. Quebec requires a separate AMF licence category; Frank does not currently operate in Quebec.