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How we can help

  • navigate lender challenges (septic, well, resale market, road access…etc)
  • help create a P&L, cashflow for income generating seasonal properties
  • confirm your qualifying mortgage amount
  • confirm monthly payments + personalized mortgage rate
Find a Rural / Cottage Mortgage Agent Specialist

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*** We’ll compare your profile against our top Lenders’ requirements

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Learn more about the
Pre-qualification Process
  • Pre-qualifying ensures we respect your time. If there is a high probability (no guarantees) to solve your situation we’ll tell you right away. If we can’t help at least we’ve saved you some time.
  • Our system compares your information vs the requirements of our top Lenders.
  • Pre-qualified means your file will be prioritized ahead of any other client who has not been pre-qualified.
  • Funds can be received faster when one is pre-qualified.
  • It is critical that your total debt load is under 75% – 80% of your house value. To understand more about this analysis, contact us.
Next Steps in the Process
  • After submission, one of our agents will contact you before 5pm today.
  • Our agents will speak with you to learn more about your situation.
  • We will request a few documents.
  • When documents are received, we can provide a conditional mortgage approval in 24 hours.
  • After issuing the conditional approval, the lender may ask other questions and requst more documents.
  • Upon receipt of all documents you can receive funding in 48 hours.

Back to Pre-Qualifying

CLICK HERE for the
Mortgage Agent Referral Database
Are you...

Click one of the above 3 choices to continue

We will never sell your data to any third party. We only share your information with the 1–3 referrals you requested. By clicking "submit" you are agreeing to our privacy policy.

How does the Mortgage Agent Database Work?
  1. Describe your situation
  2. We search our database for Agents who specialize with purchases
  3. We match Agents to your needs
  4. Agent(s) contact you within 5 minutes
Mortgage Agent Database FAQs

FAQs

  • Mortgage agents are vetted by other licensed level 2 mortgage agents
  • We speak directly with every mortgage agent we include in our referral network
  • We confirm agent’s license per provincial regulators (eg: FSRA, RECA, etc)
  • We review Agent’s specialization in detail
  • We perform due diligence on Agents with references from supervisors
  • Mortgage Agents come from across Canada
  • We are interviewing and onboarding mortgage agents weekly

  • Your details are inputed in our platform (temporarily only)
  • Our AI algorithm will review our agent database and compare agents’ services to every detail of your situation
  • Our platform finds the top agents whose expertise match your needs
  • Agents are selected based on who is available right now to help
  • 1 – 3 agents will contact you
  • Responses occur in 5 minutes
  • You accept (or reject) agents’ contact
  • You are not obligated to work with (or respond to) any agent we refer
  • Speaking with a referred agent does not commit you in any way
  • There is no charge to you for using this referral service

  • The Agent will identify themselves with their name, brokerage and license #
  • If you respond they will schedule a discovery call
  • The Agent will listen to your situation and recommend a mortgage solution
  • If you agree to the solution, you will fill out an application, consent to a credit check and submit requested documents
  • If your application is accepted you will receive a lender commitment in writing

  • There is no charge to Borrowers for using this referral database.

Your situational informatiuon is only shared with the referred mortgage agents. Once the agent contacts you – your information is erased from our servers. We will never sell your data to third parties.

We meet every agent in our referral database. We also know their Brokerage and their Principle Broker to whom they report – as well as their clients. Agents come from all over Canada.

You will receive contact within 5 minutes via email, text and/or phone call.

There is no cost to Borrowers who use this referral platform. Only the mortgage agent pays a referral fee if you accept the mortgage solution.

Mortgage agents who are included in our database log on to our platform when they are ready to speak with Borrowers. As soon as your query is entered all agents – who are logged in to our portal – are potential referrals for you.

We will never sell or share your data with any third party. Only employees of JWM will contact you to see if we can help.

Privacy Policies

Our Solutions

Mortgage Rates

(assumes credit score >600)

TermMortgage Rate
2 year term4.24%
3 year term3.79%
4 year term3.94%
5 year term3.99%
Variable Rates3.54%
1 year termOur Private Lenders offer short terms
credit score <600Our Lenders can help with bruised credit.

updated January 19, 2026

Private Lenders

AltaWest CapitalAW Capital
CMI GroupFirm Capital
Fisgard MortgagePHL Capital
PremhomeRiverRock
Sequence CapitalTribecca Finance
VWR CapitalGentai Capital

And many many more……

Alternative Lenders

CWB OptimumEquitable
HometrustFirst National
B2B BankMCAN Financial
MCAP FinancialHaventree
RFA MortgagesEffort Trust
Strive CapitalFirst Ontario

And many many more……

Get Pre-Qualified
Mortgage Agent Database
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