Simple. Fast.
Human.
Here's what actually happens between the moment you hit "Apply" and the moment you get your keys.
The Problem
Banks use a formula from 1974.
Credit score. T4 income. Employment letter. If your life doesn't fit neatly into those three boxes — new to Canada, self-employed, building your credit — the answer is almost always no.
Not because you can't afford the mortgage. Because their system can't see you.
Thin credit history
Banks penalise newcomers for not having Canadian credit — regardless of their actual wealth.
Self-employed income
Banks average your last 2 years of declared income and often dismiss retained earnings entirely.
In a hurry
Pre-approvals take weeks. Houses go in days. Banks aren't built for urgency.
The Difference
There's a real person on your file.
Every Checkadee application is handled by a licensed Canadian mortgage broker. Not a chatbot. Not an algorithm. A person who reads your file, picks up the phone with lenders, and advocates for your approval.
Reviews your file
They read your application personally and select lenders who specialise in your situation.
Calls the lenders
They follow up directly, handle questions, and push your file through when it needs a nudge.
Posts your DocuSign
When approval comes in, they review the terms and send you documents to sign — all handled.
The Process
From application to approval in 48 hours.
Here's what a typical Checkadee application looks like, hour by hour.
Day 1 · 9:00 am
You submit your application
Takes about 5 minutes. We ask for the basics — what you're buying, your downpayment, and a rough sense of your assets.
Day 1 · 10:30 am
Your broker reviews your file
A real, licensed mortgage broker is assigned and reads your file personally.
Day 1 · 2:00 pm
Your file goes to lenders
Your broker submits to 2–3 lenders simultaneously and handles all back-and-forth.
Day 1 · 4:30 pm
Documents requested
You'll get a short list of documents to upload — ID, proof of residence, paycheque or income proof.
Day 2 · 11:00 am
Lender responds
A conditional or full approval comes in. Your broker reviews the terms and posts your approval documents via DocuSign.
Day 2 · 4:45 pm
You're approved
Sign two documents, share your lawyer's details, and you're done. Your mortgage funds on closing day.
Your Documents
Locked in a vault. Seen by no one else.
Every document you upload goes into an encrypted, secure vault. Only your assigned broker and the specific lender reviewing your file can access them.
No ad networks. No third parties. No data sharing.
Encrypted at upload
Access-controlled
No third-party sharing
Auto-deleted post-closing
See your rate in 2 minutes.
No credit check required to get started. A broker will be assigned to your file within 24 hours.