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Nebulae Mortgagespowered by Questrade Mortgage

A lender built for your situation.

Whatever you're trying to do, there's usually a lender that fits it. Start with the one that sounds like you.

Apply for a mortgage ↗Get more info
What are you looking to do?Seven ways in

Where we help most

Each has its own page with the rules, the numbers and the common questions.

01First-time buyers

What you qualify for, what closing actually costs, and what to sort out before you start looking at listings.

Read the guide
02Refinancing and debt consolidation

Moving high-interest balances into your mortgage lowers the monthly number. Whether it lowers the total is a separate question, and we do that math with you.

Read the guide
03Bruised or new credit

A consumer proposal, missed payments, or no Canadian credit history yet. Often financeable, at a rate that reflects it, with a plan back to a regular lender.

Read the guide
04Reverse mortgages

At 55 or older, turn part of your home's value into tax-free money with no monthly payments. It costs more than other borrowing, so we compare it first.

Read the guide

Other mortgages we arrange

Renewals and switches

Your renewal letter is an offer, not a verdict.

Ask us about this →
  • Your lender sends a renewal offer before your term ends. Signing it without checking the market can mean paying more than you need to.
  • Moving your mortgage to a new lender at renewal, without borrowing more, no longer requires the stress test.
  • We compare your offer against other lenders and handle the switch, including the paperwork with your current lender.
Self-employed

Your tax return is built to keep income low. Some lenders understand that.

Ask us about this →
  • Most lenders look at two years of tax returns, and read the lower, after-deduction income literally.
  • Some lenders will look at your business's real cash flow, bank deposits, or a longer history instead.
  • We recommend a lender that understands how self-employed income actually works, and package your file for it.
Investment and second properties

Different rules than the home you live in. Plan before you offer.

Ask us about this →
  • A rental you won't live in needs at least 20% down, because mortgage insurance only covers homes you occupy.
  • Lenders count some of the expected rent toward your income, and each one counts it differently.
  • If you're buying a place to live in with a rental unit, the rules are friendlier. Ask us about that route.

Not sure which one you are?

Two ways to start. Not sure yet? Ask us first. Ready to go? Apply now. Either way, one team member looks after you from here.

Option 1Get more info

A short form. No credit check, no commitment. A team member calls you back to talk it through.

Get more info
Option 2Apply for a mortgage

The full application: income, employment and documents. Secure, with Nebulae Mortgages, powered by Questrade Mortgage. Opens in a new tab.

Start the application
Call1-866-405-8403
Emailandrew@nebulaemortgages.com