8Twelve Mortgage logo8Twelve Mortgage Review 2026

QUALITY LENDER CUSTOMER FAVOURITE What these mean ›
★★★★★ 4.6 · 9 borrower reviews
8Twelve Mortgage is a Canadian lender offering mortgages and home equity loans from $50,000 to $10 million. Funding in as little as 48 hours.

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Rates checked August 5, 2026

Our verdict

Written by our editorial team from platform data.

Best for
Borrowers who want brokered access to multiple lenders and a short term option
Not for
Borrowers seeking the single lowest rate without a broker in between
What we like
  • + 4.09% APR floor, within five basis points of the market leader
  • + Terms from 6 to 60 months, the widest range in the mortgage pool
  • + Full national coverage, and offers home equity alongside
Where it could improve
  • − As a brokerage, the final rate depends on the lender matched to you
  • − $50,000 minimum rules out smaller equity takeouts

Products offered

Each product is priced separately. Compare them below.

Mortgage
Secured on the property · All of Canada
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Amount
$50,000 - $10,000,000
Rate
From 4.09% APR
Terms
6 - 60 months
Funding
48 hours
Home Equity Loan
Secured on your home · All of Canada
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Amount
$50,000 - $10,000,000
Rate
From 4.09% APR
Terms
6 - 60 months
Funding
48 hours

See if you qualify

Four questions checked against 8Twelve Mortgage's published criteria, per product. No application started.

Answer the questions to check 8Twelve Mortgage's published criteria
Educational check against published criteria. Not an approval or offer.

Awards earned by 8Twelve Mortgage

Issued by our editorial team from platform data and verified reviews. Lenders cannot buy them.

QUALITY LENDER badge Quality Lender

Meets our full vetting standard: licensing verified in every province served, transparent pricing, and accessible support.

C
Customer Favourite

Top quartile of verified borrower review scores in its category over the past 12 months.

Badges are issued by our editorial team from platform data and verified reviews. They are never sold, and featured placement has no bearing on them. Read the badge criteria ›

Borrower reviews

9 reviews from borrowers who used 8Twelve Mortgage. Reviews are moderated; lenders cannot remove them.

★★★★★ Commercial Mortgage

The 8Twelve team helped me secure a commercial mortgage. The team is very friendly and knowledgeable.

Jeremy
★★★★★ Home loan

I used 8Twelve mortgage to get approved for my first home purchase. I was very stressed before starting my home buying journey but 8Twelve made is smooth and convenient. Highly recommend.

Janice
★★★★★ Best team

These guys are awesome. Good people that care for you and fight to get you the best deal.

Joseph
★★★★★ Smooth & Stress-Free Experience!

8Twelve made getting our mortgage stress-free. Loved their digital platform.

Carla G.
★★★★☆ Excellent Communication & Support

Easy to reach and always answered my questions. Great communication.

Jason H.
★★★☆☆ Decent Rates, Limited Flexibility

The rates were okay, but I expected a bit more flexibility.

Nadine F.
★★★★★ Outstanding Refinance Support!

Our agent at 8Twelve was amazing. Made the whole refinance easy.

Victor P.
★★★★★ Highly Recommend for Canadian Mortgages

Highly recommend 8Twelve for anyone seeking a mortgage in Canada.

Stacey J.
★★★★☆ Fast, Efficient, and Transparent

Solid experience. Fast, efficient, and clear about all the fees.

Bradley E.

Common questions about 8Twelve Mortgage

Who is 8Twelve Mortgage?

8Twelve Mortgage is a national mortgage brokerage in Canada, dedicated to simplifying the home financing process. They have direct access to 65+ lenders and over 7,000 tailored mortgage solutions for purchases, refinancing, and renewals.

What does 8Twelve Mortgage do?

8Twelve Mortgage offers a range of services including mortgages, second mortgages, commercial mortgages, home equity loans, and mortgage refinancing. They provide fast approvals, competitive rates, and exceptional customer service.

Is 8Twelve Mortgage safe?

Yes, 8Twelve Mortgage is a reputable mortgage brokerage with over 5,000 customers and more than $3 billion in total funds. They work with 65+ lenders and have a proven system for success, ensuring a reliable and safe service.

What is the interest rate for loans from 8Twelve Mortgage?

8Twelve Mortgage offers interest rates as low as 4.09%, depending on the loan type and applicant details.

How much can I borrow from 8Twelve Mortgage?

You can borrow anywhere from $50,000 to an unlimited amount, depending on your financial situation and the property details.

How long are the loan terms with 8Twelve Mortgage?

Loan terms with 8Twelve Mortgage range from 6 to 60 months.

8Twelve Mortgage · $50,000 - $10 million · 2 products · funding in 48 hours Apply Now