Get approved for a lower mortgage rate today and funded in as little as 48 hours
We’re a full-service brokerage with access to over 40 different lenders to ensure we find you the best deal available to you
Clover Mortgage provides Canadian homeowners with the ability to refinance their mortgage with interest rates as low as 4.74% upon approval. With many of the best lenders in the industry, you can rest assured that Clover Mortgage has you covered.*
We respect your time by providing fast and reliable service
We don’t let credit issues from your past affect your application. We’ll try to get you approved even after the bank says no
Get a mortgage quote in just a few minutes, and a free no-obligation phone consultation with one of our trusted experts
Get a free no-obligation, in-depth mortgage analyses and advice from our licensed mortgage brokers
* 4.74% is the starting annual interest rate on a 5-year variable rate mortgage refinance at the time this landing page was created, which would equate to approximately 4.99% APR. Mortgage interest rates are subject to qualification criteria and approval. Rates are subject to change at any time. Other terms and conditions may apply.
I was in debt and needed help getting back on track. My mortgage agent at Clover Mortgage helped me get approved for a home equity loan to consolidate all of my debt in one small monthly payment. Now I’m saving over $1,000 a month in interest and am left with less debt and more money in my pocket at the end of each month. Thank you Clover!
My husband and I found ourselves in a tough situation. Luckily my expert mortgage broker at Clover Mortgage helped us get a fast and easy approval for an amazing rate for refinancing our home. Clover's service is the best I've ever experienced and I've been recommending them to all of my family members and friends ever since.
There are some PEOPLE who makes such a difference to help your GOAL or DREAM comes through and they do it with super friendly but professional manner, CALM but so precise, available in difficulties, treat you like a close friend and work smart and look at all angles to support you and the list is keep going on and on......so 5 STARS is just not enough for all the days and nights they work hard for you!
No words can express our gratitude for the professionalism, respect, patience and excellent customer service Clover Mortgage provided us. We are impressed. As a previous coach of Service Excellence for businesses, I can safely say that Clover Mortgage has exceeded our expectations. They epitomize the core beliefs and values that we hope to instill when teaching Service Excellence. We felt a little vulnerable having to refinance our home, but our Mortgage Broker at Clover Mortgage made the transition incredibly smooth. Her knowledge, confidence and assistance reassured and afforded us the ability to take a breath and look at the refinancing with clarity and calmness. Not to mention the ability to get us a very good rate. On a side note, she returns calls and emails in a very timely manner. We will definitely refer them to friends and family. Thank you Clover Mortgage for your incredible service!
These guys are incredible; I had the opportunity to work with Rick and Steven recently, at Clover Mortgage, when we were looking for a home and they within a week were able to do more than we could ever really hope for. They found a great mortgage for us and went far above & beyond by keeping us in the loop of every step of the process making us feel comfortable with the product we were receiving, and even more.. I would 100% whole heartedly recommend working with them, and I look forward to working with this team again.
Clover Mortgage is hands down the best. They truly made us feel like part of the family and will not use anyone else in the future.
Fantastic team. Very professional and accommodating. I had the pleasure of working with their team, who went above and beyond for me. I’ve been trying to get a mortgage last 8 months with so many brokers but no one could do mortgage for me because I had a bad credit , the Clover Mortgage team finally got a mortgage for me, and they were very patient, they did everything right, they explained everything to me, how to improve my score, did everything that no one else did, they got so many institutional lender with very competitive rates. Thank you very much Clover Mortgage!!! I will refer to everyone
I was very pleased with the work Clover Mortgage did for me to secure a mortgage on my principal residence. I needed this money to assist with my business after my office building was heavily damaged in a fire. I’m a CPA and own my firm and have an impeccable credit rating. Despite this I found the banks and credit unions difficult, if not impossible, to deal with. The stress test and tightening of lending criteria have made it much more difficult for small businesses to borrow. Rick and Yen were able to secure a mortgage with a better rate than I could have gotten from the major banks and with less hassle. I will use them in future if I need financing and will refer my clients to them. I highly recommend Clover Mortgage.
I was referred to Clover and it was the best referral I have ever received! I had the privilege of dealing with their mortgage broker team and from our first interaction, to the very last, they were exceptional! My mortgage broker’s dedication and commitment to my file was extraordinary. She was patient, compassionate and understanding of the situation and worked diligently at helping. Her knowledge and professionalism is truly a reflection of Clover's high standards. I truly recommend Clover to anyone in need of a mortgage!
My mortgage broker was the man at Clover Mortgage... Helped me get the right mortgage in a fast and timely situation with little to no hassle. These guys know what they are doing and have a care for their customers.
I have worked with Steven Tulman and his team for about two years now, as a mortgage lender. Their dedication and commitment to their clients is exceptional. They really care. I highly recommend this team to anyone with mortgage needs!
Clover Mortgage is a great place to work with regarding your mortgage needs. The team is highly professional and dedicated to best understand your needs to get you a perfect product that meets your requirements.
Steve and the team at Clover are rock stars! They took great care of me and helped me find a competitive rate when other brokers were unable to even secure a mortgage for me.
Highly recommended! These guys are rockstars. will be getting their service again in the near future…
I had a very good experience with Clover Mortgage. I was looking to close a transaction on short notice and ended up networking into Clover Mortgage. The broker there devoted a lot of time to me and was very responsive to my calls/emails - even during off-business hours. In the end he really helped me out and I would recommend him to others in a heartbeat.
Clover mortgage is a great place to get solid mortgage products. Highly recommend them!
See how much you could be saving if you consolidate all your debt and payments using our Home Equity calculator.
Fast and easy application process
Live agents will review your application and may contact you to finalize the application. Get approved in as little as 1 hour
Once your application is approved, we’ll provide you the funds you need in as little as 48 hours
Refinancing your mortgage can mean lower monthly payments, better terms, longer amortization, and the extra cash for whatever needs you may have, including:
Clover Mortgage can quote you immediately, approve your loan in as little as 1 hour, and get your loan funded in as little as 48 hours in many circumstances. This saves you time and money by not having to shop around to different banks and lenders on your own. Clover Mortgage can do that for you!
Clover Mortgage was established on the foundation of the Co-Founders’ 20+ years of experience in leading the Canadian mortgage industry. Our strong relationships with over 40 major banks and lenders enable our team to offer over 300 different custom mortgage products to you, our valued client. We pride ourselves on providing our clients with the benefit of deep volume discounts and some of the most competitive mortgage rates and terms in the market. Above all else, our dedicated team of Mortgage Agents and Brokers strives to provide knowledgeable and honest service and advice to all of our valued clients.