Breezeful Review

Each year across Canada over half a million homes are purchased and many of these purchasers will require a mortgage in order to finance these homes. That’s where Breezeful comes in. Breezeful is an online mortgage broker that works throughout Canada and the United States and helps to match up clients with potential lenders.

Breezeful works with the top banks and lending institutions across the country to ensure that they are able to offer you the best interest rates and mortgage terms to meet your specific needs. They specialize in finding their clients the lowest rates, unique and fast mortgage solutions and “alternative pathways to homeownership.”


Besides making applying for a mortgage a much easier process, Breezeful offers these key benefits to their clients:

  • Easy online application – Breezeful’s initial online qualification process takes as little as five minutes to complete.
  • Refer a friend program – Breezeful offers a refer a friend program that can pay you $500 if your friend decides to use their services.
  • Provide educational material – The Breezeful website is filled with an abundance of educational material that can help answer some of the most asked questions about the home buying process. From mortgage questions, to closing costs, to information about renting to own your home, Breezeful has you covered.
  • Access to online calculators – Breezeful offers access to online calculators to make it easy for their clients to determine their individual financial needs. Their website has an online mortgage calculator, a GDS and TDS calculator, a mortgage affordability calculator and a land transfer tax calculator.
  • Makes it easy to find the best mortgage rate – Because Breezeful negotiates on your behalf and works with Canada’s top lending institutions, its easy for them to find you the best possible mortgage rate and terms that will best suit your needs.
  • Reduce the stress of looking for a mortgage – Looking for the right mortgage can add stress to the already stressful situation of buying a home. Some institutions may add undue pressure in order to close the deal or some of the information provided may be unclear or confusing. Plus, on top of all of this, searching around through different lenders to find the best rates can be time consuming. Since Breezeful does all of this for you and then presents you with their findings in a clear and easy to understand manner, it takes all of the stress out of this process.


Breezeful specializes in one main service and that is getting you the best mortgage rate and best terms for your home purchase.

Online Mortgage Broker

Through Breezeful’s easy online qualification process they are able to understand your exact mortgage needs and can then negotiate on your behalf with some of the nation’s top banks and lending institutions. Your personal representative will find you the best rate and mortgage terms and then work with your solicitors to finalize the deal. Moving forward, your Breezeful representative is always available to assist you and answer any questions that you may have.

Home Equity Line of Credit

A home equity line of credit is a loan that uses your home as collateral. Minimum payments must be made monthly and can be worked into your existing mortgage payments. A home equity line of credit can be used to purchase a second home, a vacation property, to finance renovations or repairs to your primary home, to fund a wedding or vacation or to help with tuition costs, to name just a few. Breezeful offers a quick online calculator to give an estimate of how much of a line of credit you could be approved for or you can fill out a short application form online.

Second Mortgages

Not only can your Breezeful representative help you obtain the perfect first mortgage, they can also assist you in obtaining a second mortgage as well.

Private Mortgages

Breezeful has access to a whole list of private mortgage financiers and can negotiate the best rates possible on a private mortgage. Private mortgages are a good option for those clients that don’t qualify for a regular mortgage because they are self-employed or don’t have a regular source of income. These types of mortgages usually carry a higher interest rate however they are easier to obtain and the approval time is usually faster.

Frequently Asked Questions About Breezeful

What are closing costs?

Closing costs are the taxes, fees and administrative costs that are associated with buying a home. These costs must be taken into account when determining the amount you will require for your mortgage. As a general rule, closing costs generally amount to a total of 3%-4% of the total purchase cost of the home.

Why can Breezeful get me a better mortgage rate?

While it is possible for you to negotiate your own mortgage rate, Breezeful has the knowledge, experience and connections to get you the best rate possible in the shortest amount of time with the least amount of work and effort required from you. Breezeful has relationships with all of the major lenders and financial institutions across Canada and stays up-to-date on who has the best interest rates on a day-today basis.

Which lending institutions does Breezeful partner with?

Breezeful works with over thirty different lending partners across Canada, including TD Canada Trust, DUCA, EQ Bank, Manulife and Scotiabank to name just a few.

What information is required to be pre-approved for a mortgage?

Getting pre-approved for a mortgage is important to ensure that the homes you are interested in, fit within your budget. In order to be pre-approved you will have to provide your SIN number, proof of employment and income, bank account information, credit information and monthly expense information. Additional information may be required depending on your individual circumstances.

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Smarter Loans Staff

The Smarter Loans Staff is made up of writers, researchers, journalists, business leaders and industry experts who carefully research, analyze and produce Canada's highest quality content when it comes to money matters, on behalf of Smarter Loans. While we cannot possibly name every person involved in the process, we collectively credit them as Smarter Loans Writing Staff. Our work has been featured in the Toronto Star, National Post and many other publications. Today, Smarter Loans is recognized in Canada as the go-to destination for financial education, and was named the "GPS of Fintech Lending" by the Toronto Star in 2019.