Own your home?
Regain financial freedom by refinancing your mortgage today!

Get approved for a lower mortgage rate today and funded in as little as 48 hours

Our Partners:

Why Choose Clover Mortgage?

Full-Service Mortgage Brokerage

We’re a full-service brokerage with access to over 40 different lenders to ensure we find you the best deal available to you

Take advantage of Refinancing Rates

Clover Mortgage provides Canadian homeowners with the ability to refinance their mortgage with interest rates as low as 3.99% upon approval. With many of the best lenders in the industry, you can rest assured that Clover Mortgage has you covered.*

Quick Turnaround Time

We respect your time by providing fast and reliable service

Bad Credit = No Problem

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

Easy Application Process

Get a mortgage quote in just a few minutes, and a free no-obligation phone consultation with one of our trusted experts

Work with Professionals

Get a free no-obligation, in-depth mortgage analyses and advice from our licensed mortgage brokers

* 3.99% 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 3.99% 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.

Clover Mortgage Dedicated Agents & Brokers

Steven Tulman
CEO & Principal Broker
As President of Clover Mortgage Inc., and a licenced mortgage broker, Steven has developed deep relationships with some of the top mortgage lenders in Canada including many top Canadian financial institutions and a spectrum of alternative lenders to be able to provide more Canadians with better options for their mortgage and refinancing needs.
Rushi Parikh
Principal Broker & Head of Commercial Mortgages
Rushi Parikh is a mortgage agent with over a decade of experience in finance, real estate, and mortgages, with a track record of securing over $20 million in funding. He specializes in mortgage origination, client relationships, and identifying financing options suited to market trends. He handles new mortgages, renewals, and refinancing.
Steven Crowe
Commercial Mortgage Agent
Steven Crowe is a commercial mortgage specialist at Clover Mortgage with over 22 years of experience in banking and finance. He has helped secure funding for many challenging deals and makes commercial investments feel safe and straightforward for his clients. Dependable, honest, and approachable, he builds lasting relationships by educating clients every step of the way.
Dieter Haes
Mortgage Agent
With over 9 years of experience in the mortgage industry and a vast career in customer service and insurance procurement, Dieter has the skills required to ensure you are getting the best mortgage solutions available. He specializes in closing even the most challenging refinance deals but can also help you with a home purchase, renewal, self-employed mortgage or debt consolidation.
Linda Mac
Underwriter & Mortgage Agent
Linda is a hardworking and devoted mortgage agent and one of Clover Mortgage’s in-house underwriters. She dedicates herself to helping every client understand their options and make the most informed decision for their financial future. She knows that many existing homeowners or potential homebuyers can feel like just a number when working with banks or other brokers. Linda’s number one priority is to make every client feel valued, confident, comfortable and satisfied with their mortgage experience.

Mortgage Success Stories

Clover Mortgage's
Unique Approval Process

1

Apply Online

Fast and easy application process

2

Fast & Easy Approvals

Live agents will review your application and may contact you to finalize the application. Get approved in as little as 1 hour

3

Get the Funds You Need

Once your application is approved, we’ll provide you the funds you need in as little as 48 hours

What is a Mortgage Refinance?

Refinancing your mortgage can mean lower monthly payments, better terms, longer amortization, and the extra cash for whatever needs you may have, including:

Debt consolidation
Funding renovations
Paying child’s tuition or education loans
Paying back taxes
Business expenses
Investments
Buying an additional home or property
And more
1
Your loan can be approved in as little as 1 hour
48
Your loan can get funded in as little as 48 hours

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.