Nuborrow is a full-service brokerage that provides mortgage solutions for everyone that holds a mortgage or wants to protect their family. They are home equity loan specialists with access to major banks, trust companies, credit unions, and a large private lending network.
Smarter Loans Expert Review for Nuborrow
Reviewed by: Vlad Sherbatov, Mortgage Finance Analyst at Smarter LoansOur Take
Nuborrow positions itself as a guidance-first mortgage and home equity advisory firm rather than a transactional lender. The emphasis is on planning, education, and long-term outcomes, not just approvals. Since launching in 2016, Nuborrow has helped tens of thousands of Canadians access mortgage and home equity solutions while consolidating high-interest debt and reducing monthly financial pressure.
What differentiates Nuborrow is its consultative approach. Borrowers receive a free credit analysis, property equity report, and no-obligation pre-approval before committing to any lender. The firm works across first mortgages, second mortgages, refinances, and home equity loans, tailoring solutions based on the borrower’s full financial picture rather than a single application snapshot.
This is home financing with an advisory lens, built for people who want support, not just rates.
Who Nuborrow Works Best For
Nuborrow is best suited for Canadian homeowners who want to consolidate debt, lower monthly payments, or restructure their mortgage more intelligently. It is particularly valuable for borrowers carrying high-interest credit cards, personal loans, or lines of credit who can benefit from unlocking home equity.
It is also a strong option for first-time buyers and homeowners refinancing existing properties who want guidance navigating lender options. Borrowers with complex situations, such as mixed income sources or past credit challenges, often benefit from Nuborrow’s hands-on planning approach.
Nuborrow is less relevant for renters, non-homeowners, or borrowers seeking instant, short-term cash solutions.
What We Like
The education-first model stands out. Offering free credit reviews and equity reports before any commitment helps borrowers make informed decisions and reduces pressure to move forward prematurely.
We also like the ongoing support. Regular check-ins and guidance help ensure that borrowers stay aligned with their financial goals rather than simply completing a one-time transaction.
The scale and experience are notable. With over $1 billion in mortgage funding originated, Nuborrow has meaningful exposure across different borrower profiles and lending scenarios.
Where Nuborrow Could Improve
Rates are not published upfront and vary depending on lender, product, and borrower profile. This is normal for broker-style models, but borrowers should be prepared for variability.
While some approvals can happen quickly, full funding timelines depend on documentation, property details, and lender selection. This is not instant financing and should be approached with realistic expectations.
As with any advisory-driven model, the experience can vary based on the specific advisor involved.
Is Nuborrow Right For You?
Nuborrow is a strong choice if you own a home and want to reduce debt, improve cash flow, or restructure your mortgage with professional guidance. It works best when long-term savings and stability matter more than chasing the lowest advertised rate.
If your situation is straightforward and you already qualify for a competitive bank offer, going direct may be simpler. But if you want planning, negotiation, and ongoing support built into the process, Nuborrow offers a thoughtful, homeowner-focused approach to mortgage and home equity financing.
Products Offered
AMOUNT
$20K - $100M
INTEREST RATE
Varies
TERMS
12 - 60 Months
Mortgages and Home Equity Loans
Conditions & Rates
Interest rate Varies Amount $20,000 - Unlimited Term 12 - 60 monthsEligibility & Documents
Who is eligible- Homeowner
- Purchasing a home
- Canadian resident
- Over 18 years of age
- Government ID
- Mortgage statement
- Property assessment
- Complete online application
Repayment & Issuance
How fast can you get the money Within 24 hours Funding method Direct Deposit How does repayment work Monthly payments from bank accountContact information
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[email protected] -
9135 Keele St Unit B1, Vaughan, ON L4K 0J4
Availability:
Ontario and British ColumbiaSupport Offered:
- Email Support
- Phone Support
- Social Media
- Debt Calculator
- Online Signin
Call Center:
Mon - Fri 8:30 am to 9:30 pm EST Sat - Sun 8:30 am to 6:00 pm ESTFrequently Asked Questions About Nuborrow
What is Nuborrow?
Who makes up the Nuborrow team?
The Nuborrow team is comprised of mortgage and real estate professionals with extensive training and over 20 years combined experience working, obtaining, and executing the most difficult mortgage and real estate deals.
Who can Nuborrow help?
Whether you are a first-time home buyer, refinancing your current home, or need to add a home equity line/loan to consolidate higher-interest debt, Nuborrow has got you covered.
Why should I choose Nuborrow?
NuBorrow earns its name by putting your deal in front of every lender on its roster in an effort to create real solutions to your current situation.
Who works with Nuborrow?
Some of Nuborrow's trusted partners and lenders are TD Bank, Manulife, Equitable Bank, Equifax, and Mortgage Professionals Canada.
How much can I borrow from Nuborrow?
You can borrow anywhere from $20,000 and beyond from Nuborrow.
What is the Nuborrow SMART Mortgage Plan?
Nuborrow is the original provider of a customized SMART mortgage plan. They analyze your current situation and develop a plan designed to eliminate debt and improve your credit score.
What does Nuborrow do?
Nuborrow offers first and second mortgages, home equity loans, and mortgage refinancing. They even provide credit improvement tools for those who may not present qualifying credit scores.
Is Nuborrow safe?
Yes. They’ve helped over 50,000 homeowners consolidate debt and lower their overall monthly payments. They've saved thousands of clients millions in higher interest debt, created custom solutions that save, on average, $18,000 a year, and were founded in 2016.
How do I apply for a Nuborrow loan?
Apply directly online, receive a free credit analysis, property equity report, and a free pre-approval BEFORE you commit to a single lender.
Why do people choose Nuborrow?
People choose to work with Nuborrow to refinance a current loan, rebuild their credit and consolidate, or want the lowest rate for their new mortgage. They offer yearly loan monitoring and make your next equity line or loan count! This means they monitor your progress through the term to help you qualify for lower interest and low-cost products in the future.
What will determine my loan rate and amount?
Based on Nuborrow's website, your credit history, ability to pay, existing debts and monthly expenses, employment and income, and residence history are all factors that will influence your loan rate and amount.
What's the term length of a Nuborrow loan?
The term length of a Nuborrow loan ranges from 12 months to 60 months.
Nuborrow Reviews
Avg. Rating: 5 (50 reviews)
Very helpful
“Adam and the team were wonderful and very helpful. I appreciate all their help. Thank you”
HelenFinally Feel At Ease
“Both my husband and I were skeptical initially when we first approached Nuborrow. We realized quickly that we made the right move. Alessandra listened to us and provided the right solution for us. We can breathe easier.”
AnneThanks Tina!
“Very knowledgeable. Looking forward to work with them again in the future.”
Jacquelinedetailed oriented process
“Very professional employees explained things in detail.”
LisaTHANK YOU NUBORROW!
“Thanks Nuborrow for helping me and my family for this time of pandemic. I called Mark Cunha in Nuborrow to ask what is my option for my mortgage and right away give a positive advise and with no pressure at all. It was quick and easy to get the line of credit and paid off all the bills. Mark thank you so much for making it all possible. I've been using Nuborrow for about 3 times now and man Everything is working out. looking forward for another deal. Hope the future deal with be Adam ross to work on my mortgage hahaha just kidding. Again thank you nuborrows team! =) Gerald & Ruby”
Gerald & RubyI can now feel confident about my finances
“I have learnt so much from doing business with Nuborrow. I learn how to manage my debts and look forward to financial success and also getting my mortgage renewed without much stress. To say thanks is an understatement of how much I am grateful to your brokers both of them that dealt with me. I would not hesitate to recommend anyone who need your help. Thanks again.”
VioletService was great
“Professional and fast service. Very easy to deal with and great rates.”
JulieFirst mortgage experience was a breeze with Nuborrow
“Had the pleasure of working with Rebecca . She was fantastic and able to help with a bit of a tricky situation. Rebecca was smooth and professional to work with. She went above to make sure there was a solution to my problem and any questions I had. Being my first mortgage she was patient and able to walk me through to understand everything with ease. Would recommend Rebecca and Nuborrow to anyone looking at mortgages. Thank you!”
CocoGreat service
“Great service”
BhuwanGreat company
“Alessandra was amazing. Explained everything, always answered our call and got things done for us quickly. Nuborrow themselves were amazing.”
SylviaEasy and efficient
“Very courteous service. Helped us with debt consolidation. Made the paperwork easy and efficient”
NathanFANTASTIC
“Fantastic group!”
JessicaSmooth and speedy process
“We had a really good experience, it was smooth and speedy. Thanks to Mat for his help.”
HoosainTruly there to help you and your family
“It was a great pleasure working with Rob Beeser at NuBorrow. Well explained and up to the point . Unlike the normal Banks, I did not have to worry about will it happen or not and helped me all along with a positive attitude. Will recommend to anyone or any family that's going through a hard time financially who needs to get an equity line of credit or home loan”
ArjunHighly Recommend This Team
“I recommend nuborrow great service on my 1st home refinancing”
LupeAwesome agent
“Nu-borrow is the place to go they are the greatest in my opinion.Jacob Giancola you rock.”
ChrisSo Happy We Found Nuborrow
“Excellent words can't speak how great the service is am very happy and please I will recommend to lots of people thanks a again”
MarkSupportive teamwork
“Danielle Opong was very helpful and tolerant of me. She was there when ever I had any questions and was supportive.”
AlbertSuperb organization and service
“I would like to thank Resanth Masilamany for excellent customer service. He was very professional. patient, and companionate. I will definitively use his service again. I have never seen someone so organized at his paper work and explanations. It was a pleasure working with him and NuBorrow Thank you for a great service.”
ElianaSmooth Transaction
“Every step was done professionally and that's what we appreciate the most on the company.”
JosephProfessional service
“Very professional. Prompt . They go out of their way to be helpful .”
Denis & MichelleReturning client
“Came back a second time. So easy to deal with Daniela. Would definitely deal with you again”
MaureenEnjoyable Experience
“Chris Sampson, was truly amazing helped me through every step and made my transaction enjoyable. Very knowledgeable”
VinceProfessional Process
“Great communication and results. Professional all the way.”
MattProfessional
“If it wasn’t for Dee and all his help I wouldn’t of went through all of this he even gave a quick response after hours by text witch was very help full and I got exactly what I wanted and even more I will be sticking with NUBORROW for as long as I have a mortgage. Thank you for everything Dee and the NUBORROW team..”
JeremyRespectful
“Nuborrow got us a morgtage and lowered our monthly payments by over 40%. I fully reccommend them, they are attentive responsive, respectful, professionl and agressive in getting the right deal for their customers. Thank you Nuborrow!!!”
Reverend ChandaiGreat advice and guidance
“Mark Cunha is a fantastic agent. He's very quick to reply and has great advice and guidance.”
AmberWould Recommend
“Worked with Rob in Nuborrow . It was such a nice experience. The team was really helpful and helped with finding the best possible solution for me”
SaadHelpful
“Everyone at Nuborrow was always extremely helpful. Not just in the beginning but after as well. They follow up to ensure that everything is going well. I would recommend them to friends and family.”
JennQuality service
“The best thing I’ve done for myself was calling Nuborrow, Becca P is the most compassionate, caring, kind and so efficient, if she says she’ll do something, it gets done right away, she was very patient with me and always ensured I understood everything, I would highly recommend. Thank you Nuborrow, especially Becca :).”
Nancyvery good
“Hi, I enjoyed this experience and it was very good. Everyone was very kind and helped me out in my time of need. I’d recommend this to any friends and family. Kristen was very helpful and kind, she made this experience very easy and quick. Overall, I had a great experience thank you so much!”
FrankResponsive Agents
“Excellent customer service! Always there when you need them!”
SamanthaAmazing service!
“I had such an amazing experience with Tianna at Nuborrow. Very knowledgeable and helpful with my personal needs. Tianna has put me on track to a better future. My credit score is already soaring in a short amount of time. Tianna is an essential part of this company. I will definitely recommend Tianna personally to family and friends in needing any financial help. Thank you Tianna and Nuborrow for helping me achieve great success! ”
Kimberly KellyFirst impressions
“From day one when I made my initial phone to NuBorrow call I was guided by Aeesha and successfully helped with my needs. What a great company and always follows up with you. You are never left out in the cold. Its not just a conversation its a relationship. Amazing people who listen. ”
Grace Atienza-BernalHelp when needed
“Thanks again Alessandra for answering our questions even after work hours! And we had a lot ..lol ! Would I recommend Nuborrow , absolutely ”
WayneExcellent service!!!
“I had such an amazing experience with Tianna. She was so helpful in getting me back on track. Professional and knowledgeable. My credit score has greatly improved in a short amount of time. I would definitely recommend Nuborrow to family and friends. I would mostly definitely recommend Tianna. She has made me feel so comfortable in the process, I couldn’t do it without her. Thank you Tianna for holding my hand through this. ”
Kimberly KellyGreat
“.”
Jennifer WReturning Client and exceptional process
“This is our 4th mortgage that we have sourced through Nuborrow This time we had the pleasure of dealing with Danielle Opong this time. Danielle was extremely helpful in getting us the best deal. There was alot of back and forth and she was very patient in answering all our questions and making changes as we requested. At the end of it all she was able to negotiate a great competitive rate with a primary lender and we couldn't be happier. In the midst of a pandemic the last thing we needed was more stress with trying to figure out how to refinance our mortgage. Danielle made it as easy and stress free as possible. We're repeat customers because of the great customer service, understanding, and patient people we have dealt with at Nuborrow. I wouldn't hesitate to recommend them to family and friends if you want a stress free path to securing a mortgage! Thank you again Nuborrow”
Tisha SAwesome experience
“I had the pleasure of dealing with someone that was professional and knowledgeable in helping me with my financial issues”
Glen TVery Responsive and Knowledgeable
“I had a great experience working with Nuborrow to secure a second mortgage on our home. I would definitely recommend working with them and hope my renewal next year goes smoothly”
Krystine MWould recommend
“I tried a couple banks and institutions for refinancing my home and was not happy with what they had to offer. Mark from Nuborrow was a pleasure to deal with and came through with a deal better than what I had hoped for. I highly recommend this company”
Steve ZGreat options for financing goals
“Our agent was great. Made sure to get us the best product and helped us every step of the way.”
Michelle DQuality agents that really care
“What can I say Nu burrow has come through for me and assisted me in making my future better once again. After dealing with Mark Cunha and the Nu borrow team 3 months ago in the renewal of my mortgage I still had some issues with my credit report that's when Mark introduced me to Antonella Di Folco. Wow as if my experience with Mark and Nu borrow hadn't been amazing enough but now with Antonella on my side assisting me with Equifax and my credit report was incredible. Antonella is so effective and efficient, so personable, and understanding with no judgments, staying on top of the issue, following up with me continuously and with Equifax on my behalf, letting me know she was present the whole way. Sure enough the issue has since been resolved and once again am on a clearer path and ready to move forward. Antonella had no doubts of her abilities and the task at hand, as she told me we were going to resolve the issue and sure enough when it was resolved she said " I told you I would fix this for you"..... This company and it's staff is out of this world, Thank you Mark, Antonella and all of Nu borrow for everything you've done for me and my family, I know you'll always be here for me for us”
Rose DProfessional
“Helpful Matt was amazing and helpful.”
Darryl HExceptional Service
“My experience was nothing short of amazing. They were fast, efficient, informative, and they completely saved me from a very negative financial situation. Thank you Nuborrow! Kevin”
Kevin MPositive Experience
“My Experience re-mortgaging my house with nu borrow was fast and professionally handed by my representative I felt valued and heard it was done quickly with very little effort on my part I recommend this company for all your money needs Bernadette t”
Bernadette TucciNeeding one payment for all my debts
“I became a widow not long ago. I had to pay many of my husband's debts; I needed one manageable payment. I had never had to do this before...I was very worried someone would take advantage of me. Nuborrow really calmed me down. The agent helped me with things on my end and explained everything even more help than my lawyer!!”
margaret olszewskiCustomer service
“I was shopping for my first mortgage recently and spoke to a few broker before getting in contact with Nuborrow. My experience with them was very pleasant. I learned a lot and got answers to my questions at every step. Got a good deal and was able to buy my first home. Really happy client!”
CarolineGood rates
“I got a great rate and was able to enjoy extra cash based on the equity of my home. The team at Nuborrow was great from start to finish. Definitely would recommend them. ”
JerryWith Kindness
“Thanks to our Mortgage Broker Kristin Corbett at Nuborrow we were able to get our second Mortgage. She provided tips and link from there website that would help us to build our credits and get better interest rates and lots of following up yo make sure we are taking care of thank you!. My experience was very good, all our questions was answered kindly and professionally. My husband and I was able to get through with our Broker who have walked us through the whole deal step by step with kindness and understanding which made our lives so much easier. I am so glad Nuborrow was my one stop shop for home equity loan. I definitely recommend this company to anyone who is seeking a loan. (via Google reviews)”
Deian
