Set yourself up for a lower cost mortgage with a CannectFlex loan

Avoid the high interest future of a home equity line of credit

or call us at 416.766.2666

70% of CannectFlex borrowers renew their mortgage at a lower rate

With Cannect, your path to savings starts today, by setting you up for a lower cost mortgage with your next renewal. That’s something Canada’s big banks and other lenders want to avoid so they can lock you into higher interest payments on longer terms.

Why are we different? Over the years we’ve seen how banks game the system to lock Canadians into longer term debt. Our small business Canadian homeowner routes mean we’ve been in your position. It’s not fair for Canadians who work hard to build their home equity to have their income eaten up with interest payments. Our automated online system was designed to compete with the big banks so we can offer you great rates today, and help you save even more tomorrow.

Bottom line: 70% of CannectFlex clients go on to renew their mortgage at a lower rate, and we want you to be one of them. Instead of getting locked into more long-term debt that begins with a home equity loan and the increased mortgage rates you’ll find at your next renewal, choose CannectFlex and set yourself up to save.

Your lowest rate in 3 easy steps

1. Confirm the address of the property you own

When you enter your address, we’ll automatically verify the current market value of the property.

2. Provide your current mortgage

We’ll find your lowest interest rate based on the value of the property and your current mortgage financing.

3. Set your credit and income

With your income and credit details, we’ll be able to confirm the lowest interest rate available to you.

Get started now with a free quote

With average interest rates of just 6-10%, we’re confident you won’t find a better
rate anywhere else.


CannectFlex home loan

Get a low interest, short term loan today, without incurring mortgage penalties.

A trusted service, from a trusted team

A trusted service, from a trusted team

While we’re working with you to secure the home financing you need today, we’ll also give you sound, unbiased equity planning and savings advice to help make the whole process a little easier, not only for today but also for your best future. That’s just one of the reasons we consistently earn a 5-star rating from our customers across Canada.

Bobby RamdowarBobby Ramdowar
16:53 25 Oct 23
I just wanted to say Jason thank you for being there for us, you are a true professional. you made us feel that everything is going to ok you're only business you care about that people in general thank you.
Jessica SinclairJessica Sinclair
17:04 26 Sep 23
Got our first mortgage with Cannect and we couldn't be happier with the service throughout the entire experience! Jason was super helpful, friendly, responsive and worked tirelessly to get us the best deal for our unique situation. He also did some financial coaching for us that really helped redirect our future financial health in a more meaningful way. I highly recommend Cannect to anyone looking for a mortgage or home equity loan!
Davide Di NardoDavide Di Nardo
18:38 23 Sep 23
This was my first deal done with Cannect. Both Jason and Lisa were great. From start to finish the whole thing was very smooth and easy for me.The deal was done in a timely manner, and I got exactly what I was looking for
Aisha LewisAisha Lewis
16:35 14 Sep 23
Working with Phil at Cannect was an incredibly smooth process that I am grateful for as a first time home buyer. Phil was very clear in communicating the details of our mortgage options and he consistently checked in on us throughout the process of buying a home. I will be recommending Cannect to anyone asking for a mortgage broker moving forward. Thanks again Phil!
Jamal BaptisteJamal Baptiste
15:26 14 Sep 23
As a first time home buyer I can truly say that going through the process of obtaining a mortgage with Phil Edwards and Cannect was a great experience! These situations can often be stressful and intimidating, however Phil did a great job assessing my needs and presenting the best solutions. The communication was honest and concise and he kept us informed throughout the entire process and was always available to answer all our question. I had been trying to secure a mortgage on my own and it was overwhelming trying to find a liveable interest rate in the midst of all the rate hikes and the absurd interest rates offered by the banks. Which is where Phil came in and was able to work with me from start to finish and even found me the best rate possible and in turn saving me thousands of dollars. I am extremely pleased with the results and will definitely recommend Phil Edwards and his Cannect team to anyone and everyone in the market for a mortgage.Thank you Phil!!
Robert PomposoRobert Pomposo
16:41 03 Aug 23
Phil Edwards is literally the best! He was always on for us. Anytime of the day or night. Even when he was on vacation he was answering our questions promptly. He secured us a very favorable rate at a bad time and with a AAA lender. The service was truly there and he pulled out all the stops for us. Incredibly knowledgeable and straight forward. Communication was effortless. Phil was consistently punctual and fast at returning any questions or concerns. Cannot recommend him enough. Truly a professional. Thanks Phil!!
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Why might I need a loan?

We know there are many reasons why Toronto homeowners may be looking for a loan. Whether it’s any of the following reasons, or another, we understand, and we don’t pry.

Who qualifies?

If you’re a home or condo owner, we can help. Regardless of credit or income, we confirm the value of your home, any outstanding mortgages, and find the lowest loan rate for you.

How are interest rates calculated?

Interest rates are calculated based on risk. Risk is determined by the amount of equity in your home, your credit, and your current income. The more specific information we have from you, the more we can lock in your lowest interest rate.

Why Cannect will work for you

Even if you’re having trouble borrowing from other lenders or your bank, Cannect can help because our loans are based on your home equity, not your personal income or credit.

Are interest rates the only charges?

Interest rates are ongoing for the duration of the loan, but there is a setup fee. In order to secure your loan, a lawyer will need to be present at your property to verify ownership and confirm the agreement with you. We need to pay them, so there is an upfront fee to cover legal and related administrative costs for setting up the loan. You can expect this fee to be no less than $750 dollars, and you can confirm the expected fee without any obligation.

or call us at 416.766.2666

Our lending promise

To be the better lending alternative to your bank.

Your best rate, regardless of credit

Regardless of your credit or income, homeowners get the best loan rates from Cannect because our service is designed to give you financial flexibility.


Flexible terms for maximum savings

We work to find the best low interest lending options for your needs, and that means flexible terms, by default.


No surprises, no hidden costs

Check your rate online, with no commitment, and see for yourself in just 3 easy steps.


Avoid mortgage penalties

We’ll work with you to avoid mortgage penalties from refinancing or breaking your mortgage.


Unbiased expert advice

Our salaried employees provide sound, unbiased advice because they aren’t fighting for commissions.


Secured in as little as 24 hours

Our unique online and in-home service means you can secure a loan in as little as 24 hours.

Don’t need a quote today?

Sign up for your personalized property value report so you’ll know your options when it’s time to borrow or renegotiate your mortgage.

Know your equity. Know your options