Mortgage financing can be  frustrating.

It doesn't have to be.

Here's our 3 step plan.

STEP ONE

Get in touch.

The best place to start is by letting us know who you are! Click the start here button below and you'll be directed to a page where you can complete an online application, schedule a meeting to discuss your financial situation, connect with us on the phone, or send us a quick message.

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STEP TWO

Walk through the process together.

Our experienced staff have mastered the mortgage process. Let us guide you through getting the best mortgage product for you! In our online portal you'll be able to do the following:

  • Upload all of your documents in one place (paperless)
  • Add your real estate agent and lawyer (collaborating saves time)
  • Compare all mortgage types and features from different lenders
  • Customize the perfect mortgage to match your lifestyle
  • Make calculations based on different financial scenarios
  • Sign all documents online to complete your mortgage financing
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STEP THREE

Accountability moving forward.

The Canadian mortgage industry can change overnight. Don’t be surprised to get a call from one of our experts with updated options when things change. We continually work to save you money at every stage of your home ownership journey.


We're committed to ensuring you have the lowest overall cost of borrowing throughout the life of your mortgage! As long as you need a mortgage, we're here to help.

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Trusted by Our Clients 

With hundreds of 5-star reviews, our clients are at the heart of everything we do. Each review reflects the care, expertise, and commitment our team brings to making the mortgage process simple and stress-free.

From first-time buyers to seasoned homeowners, we’re proud to have built a reputation for trust, transparency, and results. Your stories inspire us—and we’re grateful for every client who takes the time to share their experience.

When you choose us, you’re not just getting a mortgage broker—you’re joining a community that puts people first.

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500+ Google reviews from indi clients

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Our Services

We have the right mortgage if you are...

  • BUYING YOUR FIRST HOME

    If you're looking to buy your first home, you've come to the right place. Our mortgage experts will simplify everything and guide you through the entire process. We're with you every step of the way! 


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  • BUYING YOUR NEXT HOME

    If you own a home, but you've got your eyes set on your next home, there's a lot to consider. We have the experience to ask the right questions and make sure you explore all your options before making your move! 


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  • REFINANCING YOUR MORTGAGE

    If you're looking to potentially access some of the equity you've built up in your home, we can help. There are many reasons to refinance; let us outline the best way to make that happen at the lowest cost to you! In fact, depending on your current mortgage, there's a possibility a mortgage refinance could save you money long term! 


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  • RENEWING YOUR MORTGAGE

    If your current mortgage term is within 6 months of being complete, we'd love to hear from you. Don't just sign your lender's renewal offer, you've got negotiating power, we'd love to negotiate on your behalf!  


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  • BUYING A CONDO

    If you're looking to buy a condo, you've come to the right place. Understanding condo documents and presenting them to a lender to secure mortgage financing can be difficult. Let our mortgage experts guide you through the process.


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  • BUYING INVESTMENT PROPERTY

    There are many ways you can go about building a real estate investment portfolio. Having a clear plan is crucial. At Axiom, we understand the intricacies of financing investment property and would love to work with you. 


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  • SELF-EMPLOYED

    If you're self-employed or run your own business, chances are your income will be subject to heightened lender scrutiny when looking for a mortgage.  At Axiom, we know exactly how lenders look at self-employed income and will help build a plan to ensure you get the best financing available.


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  • GOING THROUGH A DIVORCE

    If you are working through your options as a recently separated or divorced person, we have access to mortgage products designed for you. Our mortgage experts know exactly how to help you through this difficult time. 


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"I had a great experience working with indi."

"indi makes it a priority to ensure their clients are educated throughout the whole mortgage process. As a first time buyer it can be a confusing and overwhelming process – they were patient and helped me understand everything I needed to know and answered my questions."


Patricia Kopec

indi Mortgage homeowner since July 2016. 

Put our experience to work for you

Indi Mortgage has been helping Canadians achieve their home ownership and real estate investment goals since 2001. Welcome to our family.

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The Junior Gryphons are over 6000 children, and 68 rep teams across 5 different sports in our community. Children as young as 3 start participating in team activities, building social skills, and making friends.

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The Children’s Foundation empowers children and youth by connecting families with opportunities to build hope for lifelong change and break the cycle of poverty. Over 1,000 volunteers work with the Foundation to make our neighborhoods that much brighter.

YOU make it possible for us to support these organizations!

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Resources to keep you learning

Sharing knowledge and empowering Canadians is in our DNA. Our blog is filled with tips, tricks and expert advice that can help you save thousands.

Down Payment Options for Canadian Homebuyers

By Champion • July 22, 2026
For most Canadians, the down payment is the biggest hurdle to homeownership. A down payment is the initial amount you contribute toward your property purchase, while the lender covers the rest through a mortgage. By law, Canadian lenders can only finance up to 95% of a property’s value, which means you’ll need at least 5% down to qualify. If you’re putting down less than 20%, your mortgage must be insured through one of Canada’s three default insurance providers— CMHC, Sagen (formerly Genworth), or Canada Guaranty . This insurance comes at a cost, but it can be rolled into your mortgage amount. The less you put down, the higher the premium. Since saving a down payment can feel overwhelming, it helps to know the different sources you can draw from. Here are the most common options available to Canadian homebuyers: 1. Savings & Personal Resources The most straightforward source is your own savings. Lenders will ask to see a 90-day history of the funds in your account. Any large deposits outside of regular payroll must be explained with documentation—such as the sale of a vehicle or a transfer from an investment account. This requirement isn’t just red tape; it’s part of Canada’s anti-money laundering rules. 2. Proceeds from the Sale of a Property If you’ve recently sold another home, you can use the proceeds as a down payment on your new purchase. Proof of the sale—such as the final statement of adjustments from your lawyer—will be required. 3. RRSP Home Buyers’ Plan (HBP) First-time buyers can withdraw up to $35,000 each (or $70,000 as a couple) from their RRSPs to put toward a down payment under the federal Home Buyers’ Plan . The funds are withdrawn tax-free, but they must be repaid over a 15-year period. This is a popular option for buyers who have been steadily contributing to their retirement savings. 4. Gifted Down Payment With today’s housing prices, many buyers turn to family for help. A parent or immediate family member can provide a gift that makes up part—or even all—of the required down payment. The lender will require a signed gift letter confirming that the money is a true gift (with no repayment expected) and proof that the funds have been deposited into your account. 5. Borrowed Down Payment In some cases, you may be able to borrow your down payment. This option is usually available only if you have strong credit and sufficient income. The payments on the borrowed funds are factored into your debt service ratios, so affordability is key. Lenders typically use 3% of the outstanding balance when calculating the additional payment. The Bottom Line A down payment doesn’t have to come from just one source—it can be a combination of savings, gifted funds, RRSPs, or other resources. What matters most is being able to show where the money came from and that it meets lender requirements. If you’d like to explore your options or learn how much you might qualify for, it’s never too early to start the conversation. Connect with us today—we’d be happy to help you create a plan and take the first steps toward homeownership.

Bank of Canada Holds Rate at 2.25% — July 15, 2026

By Champion Mortgage • July 15, 2026
The Bank of Canada announced today that it is holding its target for the overnight rate at 2.25%, with the Bank Rate at 2.5% and the deposit rate at 2.20%. The tone of today's announcement is notably more optimistic than previous months. Here's what's changed and what it means for you.

Stress-Testing Your Mortgage Affordability: Why It Matters

By Champion • July 8, 2026
Buying a home is one of the biggest financial commitments you’ll ever make. That’s why lenders want to be sure you can handle your mortgage payments—not just today, but also if interest rates rise in the future. This is where the mortgage stress test comes in. Many Canadians hear the term but aren’t entirely sure what it means or how it affects them. Let’s break it down in plain language. What Is the Mortgage Stress Test? The stress test is a rule introduced by the federal government that requires all mortgage applicants to qualify at a higher rate than the one they’ll actually pay. Currently, you must qualify at the greater of your contract rate + 2% or the benchmark qualifying rate (set by the Office of the Superintendent of Financial Institutions). For example: If your lender offers you a 5-year fixed mortgage at 5.25%, you must show you could still afford the payments at 7.25% . Even if rates don’t rise that high, the stress test ensures you won’t be overextended if they do. Why Does It Matter? The stress test protects both borrowers and lenders by: Preventing over-borrowing : It ensures you don’t take on more debt than you can realistically handle. Preparing for rate hikes : With interest rates fluctuating, it’s a safeguard against sudden increases. Strengthening financial stability : It lowers the risk of defaults, protecting the housing market as a whole. While it can sometimes feel like a barrier—reducing the amount you qualify for—it’s ultimately designed to keep you from becoming “house poor.” How Does It Impact Buyers? The stress test can significantly affect your homebuying budget. For example, without it, you might qualify for a $600,000 mortgage, but with the stress test applied, you may only qualify for $500,000. That doesn’t mean your dream of homeownership is out of reach—it just means you may need to adjust expectations or explore other strategies, such as: Increasing your down payment Paying down existing debts Considering alternative lenders who may have different qualification standards Why Work With a Mortgage Professional? Every lender applies the stress test, but not every lender views your application the same way. An independent mortgage professional can: Shop multiple lenders to find the best fit Run affordability scenarios at different rates Help you understand how much house you can truly afford—without stretching your finances too thin The Bottom Line The mortgage stress test isn’t meant to stop you from buying a home—it’s there to protect you from financial strain down the road. By understanding how it works and planning ahead, you can make smarter choices and buy with confidence. If you’re thinking about purchasing a home, refinancing, or simply want to know how the stress test affects your options, connect with us today. We’ll help you stress-test your budget and find the mortgage solution that works best for you.

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Getting Started?

The best place to start the mortgage process is by completing an online application. There are no fees or commitment to do this. Once we have your application, we'll be in touch!

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Make some calculations

If you'd like to run a few calculations before getting started, we'd love to help you. First tell us where you are in your journey to buying a home

I'm just getting started

Exciting times!  Let's find out how much you'll be able to afford once you decide to buy.

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I have a home in mind

Great! Let's find out whether you'll be able to afford to buy it!

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I want to refinance my home.

No problem! Let's find out how much you could take out.

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Looking for a quick answer?

If you'd rather send a quick note to get the process started, go ahead, we'd love to hear from you. 

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Schedule a meeting.

While the best way to get in touch with us is through the online application, if you'd prefer to talk with someone, we're accessible to you!

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