neo logo
hamburger icon for mobile menu

Low rates with none of the stress

Soon, it will take just minutes to get a new mortgage, refinance, or renew. And you won’t have to leave the comfort of your home.

Transforming the way Canadians shop for homes.

Worry-free rates

Better than just being low, we scan the market to find the best rates available and make sure that they come with no surprises.

Smooth applications

Applications can be completed in under 5 minutes with no need for printing or faxing documents, or even booking an office or branch visit.

Dedicated support

All applicants get a human associate. They don’t work on commission, so you can be assured their advice only has your best interests at heart.

Low rate, less interest? Makes cents.

We get it, other than approval, your mortgage rate is one of the most important things to you. That’s why we work hard to find you the best rate across multiple lenders, so you can pocket the difference.


Neo Mortgage Rate¹

5-Year Variable Rate (Closed)


Traditional Bank Rate²

5-Year Variable Rate (Closed)

Save thousands without breaking a sweat

We crunched the numbers and here’s how much you’d save in just a few clicks with a Neo Mortgage compared to a traditional bank.

Lifetime of mortgage

End of 5-year term

$355,000 Mortgage Balance (High ratio insured)³



$570,000 Mortgage Balance (High ratio insured)



Getting a mortgage has never been easier.


Pre-qualify without the hassle

No in-person appointments are necessary. Start your application online and upload any documents digitally. Your associate will guide you through every step.


View pre-approval options

We collect rates from multiple lenders, so you can choose what works for you. Since we don’t work on commission, you get the best options.


Finalize your mortgage rate

We use technology to speed up the process and make the experience safe and hassle-free. No more fax machines or branch visits³.


Manage your mortgage

View your Neo Mortgage statements, make additional payments, or start a renewal when your term is coming due – all online.

Our Lending Partners


So much more than Neo Mortgage

Get more from your money with simple and innovative products designed for life today.

Neo Card

Get cashback on your everyday spending

Learn moreCall to action button arrow
image representing Neo Card

Neo Money

Save, spend, and earn high interest

Learn moreCall to action button arrow
image representing Neo Money

Neo Invest

Grow wealth and plan for life's major goals

Learn MoreCall to action button arrow
image representing Neo Invest

Got questions? We can answer them.

¹ 5-year variable rate is up to date as of January 20, 2022. This rate is applicable for high ratio mortgages and subject to lender approval.² Based on the median mortgage rates of Canada’s Big 5 banks taken from public websites as at January 20, 2022.³ How we calculated this: The average size of a mortgage in Canada in 2021 is $355,000 according to Equifax. The variable rates shown are for high ratio (20% or greater down payment) and insured mortgages.⁴ Digital closing is currently only available in Ontario, Alberta, and British Columbia.Neo Mortgage Services Inc. is currently licensed in Alberta, Ontario (#13444), British Columbia (MB600606), and Newfoundland and Labrador (22-07-NE115-1), with all applications pending across Canada.