Apply Online For Your Ontario Mortgage
Fast, Secure, and Wholesale Benchmarked
Whether you are purchasing your first home in London, renewing your mortgage in St. Thomas, or unlocking equity in Woodstock, our digital intake gives you direct access to 50+ institutional wholesale balance sheets with single credit bureau protection.
Newton Velocity Secure Portal
Submit your comprehensive financial details directly into our bank grade Newton Velocity underwriting portal. Upload pay stubs, bank statements, and identification in one secure session.
- ✓Bank grade 256 bit encryption and privacy security
- ✓Direct submission to 50+ wholesale monoline and bank broker desks
- ✓Single credit inquiry protection across all lending partners
Speak With Dallas Martin
Prefer discussing your scenario before starting an application? Connect directly with licensed Level 2 Agent Dallas Martin. If you wish to keep your mortgage in house with your current bank, Dallas works directly with major chartered bank broker channels.
- ✓Keep your mortgage in house with chartered banks like Scotiabank, TD, and BMO
- ✓Personal review of self employed income, down payments, and renewals
- ✓Free scenario calculation with zero credit score impact
Our Single Credit Inquiry Guarantee
When you walk into multiple chartered bank branches to shop rates, every single institution runs a hard credit inquiry on your credit file. Accumulating three or four hard inquiries within a short period signals borrowing distress and can drop your credit score by 15 to 30 points.
At NewLife Mortgages, our desk executes a single inquiry through Equifax Canada. We then share that single verified credit profile across dozens of wholesale institutional lenders and chartered bank broker desks. This protects your credit profile while forcing 50+ lenders to compete for your business.
One Equifax inquiry covers all 50+ wholesale lenders and chartered banks.
Zero multi inquiry penalties or 15 to 30 point credit score drops.
Monoline lenders and bank broker desks bid for your mortgage balance.
Pre Approval Documentation Checklist
Check off documents as you gather them to fast track your underwriting approval in 24 to 48 hours.
Regulatory Underwriting Notice and FSRA Compliance
NewLife Mortgages operates under The Mortgage Firm Inc. (FSRA Brokerage License #13466), headquartered at 204 Oxford Street West, London, Ontario N6H 1S4. Dallas Martin is a Licensed Level 2 Mortgage Agent (FSRA License #M17001133) authorized to arrange prime institutional, alternative, and private mortgage financing across Ontario.
Self Employed Underwriting Rules: Underwriting guidelines for self employed stated income and bank statement verification programs require a minimum 20% down payment (maximum loan to value ratio of 80%).
Straight Switch Renewal Exemption: Homeowners switching their mortgage to a new lender upon term maturity with unchanged balance and amortization qualify under the OSFI Guideline B20 straight switch exemption without taking the stress test.