Best Rates & Terms
We work to find a mortgage solution that suits your needs and specific financial situation and will secure the best rates and terms that we have available to you.
Mortgage up
for renewal?
We get borrowers approved,
even when banks say no!
- Bad credit is OK
- Fast funding
- Rates starting at 4.99%*
- 4.8 average at Google Reviews
Mortgages, made simple.
No Credit Checks, No Problem.
Approvals Based on Equity
Unlike traditional lenders, we don't let income or credit issues from your past impact your application. We work with lenders who base their approvals largely on equity.
Quick & Easy Application
Our online application process is easy. Get approved in as little as 1 hour – no upfront credit checks, no stress tests, & no obligations necessary.*
Same-Day Approvals
Fast approvals are our forte. We handle the paperwork and cut through the red tape so you can get approved in as little as 1 hour.
Our Partners
How We Can Help You
We’ve helped Ontario homeowners save thousands on their mortgages
Our expertise, over 30 years of combined experience, and industry relationships give us access to mortgage products and rates that you wouldn’t be able to get through traditional channels. We help homeowners like you get the funds you need for whatever you need – when you need it most.
Credit
Repair
Lower Monthly
Payments
Property
Investment
Debt
Consolidation
Home
Renovations
Cashflow
Management
Wherever you are in life, Clover can help.
How it Works
Bank declined you?
We turn a NO into a YES!
Unlike traditional lenders, we can get you approved without a stress test. We make the process simple and stress-free, and applying with us won’t hurt your credit score.
Click
Apply Now
Fill out the
form in minutes
Get approved
in as little as 1 hour
Testimonials
What our clients are saying
My husband and I have dealt with Mortgage companies before - but Clover Mortgage just took our expectations ans blew them through the roof. They were always a phone call or text away, even when Steven was on vacation with his family, he made sure to stay in touch. We had some insurance issues and he was on it sending us names of insurance brokers and giving us guidance.
When I say that their service was above and beyond, I really truly mean it. We will definitely be back in the future when we are ready to sell our home and purchase a new one. Thank you Steven and Rushi (who is on his team as well, and gave top notch service as well) If you haven't called or applied, don't Wait. They will find you help!
Stephanie Dvernichuk
Where to begin! We came upon Clover in a panic after having two terrible experiences with other brokers. We were out of time and in a dire situation, but from our first conversation with Emmanuel we felt reassured. To say he went above and beyond is an understatement, he was empathetic, calm, professional and always so positive even through all our difficulties. Every time we faced a hurdle (and there were many!) he found a reasonable solution. What makes him stand out from others is he actually cares about his clients beyond the transaction, he made sure we would be in a better position then we started out in and helped us make a plan for the future so we keep improving. We can't even begin to thank him enough for everything, he saved our home.
Mary Thomson
Victoria & Clover Mortgage went above and beyond to make the process of purchasing a new home and obtaining a mortgage easy and effective! Victoria was always responsive, made the process easy and was solutions-oriented. We would gladly work with her again and recommend her to anyone looking to get the best mortgage.
frank Chiovitti
I've had the pleasure of working with Steven Crowe for several years, including prior to his time at Clover Mortgage. Steven is incredibly creative, responsive and very knowledgeable. His ability to sit and listen to a situation and then develop solutions is second to none. Since he has come to work at Clover, his ability to service clients has even improved! He has tools and resources at his disposal that augment his exceptional service. I would highly recommend Steven as a mortgage broker in virtually any situation but particularly if you are looking for someone who will go the extra mile! 5 Stars x 1000!
Michele Rebiere
Steven and his entire team are so great to work with! The process from applying to advancing was seamless beginning to end! My husband and I would highly recommend them to anyone and we will definitely be calling them for future financing requests! They're all very thorough, transparent and professional. Easiest brokers to work with!! You won't regret it!! - Chelsey and Devon L.
M. Chelsey Lokai
My mortgage broker Tyler Salmon was incredible. Was able to get me placed with a very reasonable interest rate despite the turmoil with rates in the market place. He is knowledgeable, accommodating, empathetic and customer service skills are the best I have ever seen. He walked us through every step until I was able to successfully purchase my first home. He works harder than anyone I have seen and I would highly recommend Tyler and the team here at Clover to anyone looking to purchase a home. Going forward my friends and family will all be using Tyler and Clover for all our home purchases!
Andrew Boateng
Tyler Salmon was awesome in getting us our mortgage refinanced. Although the rate environment hurts, Tyler was able to get us the best possible rate. He was very expeditious in getting all the documents in order for the closing, which went smooth and without a hitch. Clover Mortgage has a gem in Tyler and I most definitely recommend his services if ever you are in need for a new or refinanced mortgage. Thank you Tyler !!!
Rishi Bansie
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