Our Story
Ownest Financial was founded in 2012 with one main goal – to innovate how financing is done around the world. Gone are the days of shopping for a mortgage, car, or loan with one lender or bank.
With Ownest, you can shop around with over 125 different lenders Canada wide to ensure you are getting the best option possible.
Featured Lenders
Our Solutions
Why we're different.
Customers can apply for financing anywhere, anytime, using any device thanks to our secure, cloud-based software.
Our partners have full visibility of the application process in real-time with the convenience of central document storage, CRM functionality and autonomous financing. Information at your fingertips – anywhere, anytime.
With Ownest, you have access to over 125 lenders and 22,000 mortgage products at your fingertips. Our lenders include major banks and lenders, so there’s no need to shop around or hope that you’re getting a good rate at your preferred bank or mortgage broker.
When’s the last time your bank has called you to say that you’re paying too much for your loan, and there’s a better deal available? Probably never. Our software algorithms search aggregate data to each month and will automatically notify you if a better rate is available for you.
Have you been turned down for financing elsewhere or are you scared you may not get approved? We partner with over 125 lenders (and growing!) representing over 22,000 mortgage products.
Our software guides you through the application process and asks the relevant questions that lenders need to know – based on the 5 C’s of lending (collateral, credit, capacity, capital and character) to give them a bigger picture of your credit history.
Ownest’s software has grown to be a comprehensive end-to-end software that benefits affiliate and lender partners – as well as purchasers who require financing.
Our intuitive, user-friendly dashboard is easy to learn – and if you ever need assistance, or if you have questions, we have the industry-leading experts ready to help.
Our Partners
Ownest Blog
Meet the Team – Ray Yip, CTO
We’d like to introduce you to some of the great people who work behind the scenes at Ownest. We recently spoke to Ray Yip, Chief Technology Officer. Tell us about your role at Ownest. I joined Ownest in May 2019. I call myself a technologist. My job is to understand the vision of the company …Read More>
The Five Cs of Credit and Why It Matters
What Are the Five Cs of Credit? The five Cs of credit is a set of criteria used by lenders to gauge the creditworthiness of potential borrowers. This type of approach weighs five different characteristics of potential borrowers and conditions of the loan, to help predict the chance of potential default and overall risk or …Read More>
New CMHC Lending Criteria
On June 4, 2020, CMHC announced changes to their underwriting criteria, which will impact sales in some parts of the new home sector. How does this affect home builders, realtors, mortgage brokers – and home buyers? What are the changes? Credit score requirement increasing from 600 to 680 Beacon; Flex down mortgages are …Read More>
Contact Us
Looking to speak to one of our trusted advisors? Get in touch and let us know how we can empower you!