Join the Waitlist

Bank Said No? We are Built for You.

Whether you're self-employed, a newcomer to Canada, a freelancer, or a gig worker, Loanova helps you get mortgage approval when traditional lenders turn you away.

Join the Waitlist

Learn How It Works

Learn More

Loanova is in the process of becoming a licensed mortgage provider under applicable provincial regulations. Approvals and rates will depend on verified financial information and credit assessment.

How Loanova Simplifies Getting a Mortgage in Canada

Powered by data, designed for real life.

Traditionally

Red tape over real data

Banks rely on outdated systems and manual paperwork that slow everything down.

Unfair filters

If you’re self-employed or rebuilding credit, you’re often excluded before your story is even heard.

Slow, opaque process

Weeks of waiting, unclear criteria, and hidden conditions that leave you guessing.

How Loanova Works

Real-world data

We use secure open-banking connections to verify your financial profile in minutes — no endless paperwork or outdated criteria.

Fair assessment for every borrower

Whether you’re self-employed, a freelancer, or rebuilding credit, our AI-assisted analysis ensures your strengths are recognized.

Fast, transparent process

Get clear insights into how your application is evaluated and what affects your eligibility — no guessing, no gatekeeping.

All applications are subject to verification and provincial lending regulations. Loanova does not guarantee approval and reviews each borrower’s financial information individually.

Join the Waitlist

Why Borrow with Loanova

A fairer, faster way to get a private mortgage in Canada.

We built Loanova to fix what's broken in Canadian mortgage lending; outdated rules, slow decisions, and a system that penalizes self-employed and non-traditional earners. Our platform combines verified data, transparent underwriting, and human review to help qualified borrowers finally get approved.

Pre-launch Access

Fair by design
We look at your real financial life. Factors like rent history, income stability, education, and more are used to assess your true creditworthiness, not just a number.
Transparent every step
Track progress, see what’s under review, and know what matters — no hidden rules or surprises.
Faster decisions
Secure data replaces paperwork and guesswork, moving you from application to approval faster.
Human support, powered by tech
AI assists our credit team, but people make the final call — you’re never just a number.
Lower costs, fairer rates
Our tech-driven process cuts overhead, passing savings to you with rates below typical non-bank lenders.
Fair by design
We look at your real financial life. Factors like rent history, income stability, education, and more are used to assess your true creditworthiness, not just a number.
Transparent every step
Track progress, see what’s under review, and know what matters — no hidden rules or surprises.
Faster decisions
Secure data replaces paperwork and guesswork, moving you from application to approval faster.
Human support, powered by tech
AI assists our credit team, but people make the final call — you’re never just a number.
Lower costs, fairer rates
Our tech-driven process cuts overhead, passing savings to you with rates below typical non-bank lenders.
Fair by design
We look at your real financial life. Factors like rent history, income stability, education, and more are used to assess your true creditworthiness, not just a number.
Transparent every step
Track progress, see what’s under review, and know what matters — no hidden rules or surprises.
Faster decisions
Secure data replaces paperwork and guesswork, moving you from application to approval faster.
Human support, powered by tech
AI assists our credit team, but people make the final call — you’re never just a number.
Lower costs, fairer rates
Our tech-driven process cuts overhead, passing savings to you with rates below typical non-bank lenders.
Fair by design
We look at your real financial life. Factors like rent history, income stability, education, and more are used to assess your true creditworthiness, not just a number.
Transparent every step
Track progress, see what’s under review, and know what matters — no hidden rules or surprises.
Faster decisions
Secure data replaces paperwork and guesswork, moving you from application to approval faster.
Human support, powered by tech
AI assists our credit team, but people make the final call — you’re never just a number.
Lower costs, fairer rates
Our tech-driven process cuts overhead, passing savings to you with rates below typical non-bank lenders.

Loanova Financial Inc. is a licensed mortgage provider, not a bank. Loan approvals depend on verified borrower information and applicable provincial regulations.

The Borrower Journey

From application to funding — clear steps, no surprises.

We designed the Loanova process to be fast, transparent, and built around you. From secure data connection to funding, you’ll always know what’s happening and what comes next.

Apply securely

Connect your financial accounts and provide a few key details — our platform handles verification instantly, with bank-level encryption.

AI-assisted assessment

We analyze verified data, such as income stability, rent history, spending behaviour, and more to build a complete picture of your creditworthiness, beyond what a traditional credit score captures.

Get your offer

Our credit team reviews your application and assigns a Loanova grade, matching you to a mortgage offer tailored to your profile.

Finalize and fund

Once you accept your offer, documents are handled digitally and funds are disbursed quickly through our secure network.

Approvals and timelines vary by applicant and verification speed. All loans are subject to provincial mortgage regulations.

Apply securely

Connect your financial accounts and provide a few key details — our platform handles verification instantly, with bank-level encryption.

AI-assisted assessment

We analyze verified data such as income stability, rent history, and spending behavior to understand your full financial picture.

Get your offer

Our credit team reviews your application and assigns a Loanova grade, matching you to a mortgage offer tailored to your profile.

Finalize and fund

Once you accept your offer, documents are handled digitally and funds are disbursed quickly through our secure network.

Private Mortgage Rates Built Around Your Financial Story

Everyone’s financial story is different — your rate should reflect that.

Loanova uses verified data to match borrowers with rates that reflect their true financial profile. By analyzing income consistency, rent history, and spending habits — not just a credit score — we offer rates that reward stability and transparency.

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

// compiled preview • scanner demo /* generated for visual effect 
– not executed */ const SCAN_WIDTH = 8; const FADE_ZONE = 35; cons
t MAX_PARTICLES = 2500; const TRANSITION = 0.05; function clamp(n,
 a, b) { return Math.max(a, Math.min(b, n)); } function lerp(a, b,
 t) { return a + (b - a) * t; } const now = () => performance.now(
); function rng(min, max) { return Math.random() * (max - min) + m
in; } class Particle { constructor(x, y, vx, vy, r, a) { this.x = 
x; this.y = y; this.vx = vx; this.vy = vy; this.r = r; this.a = a;
 } step(dt) { this.x += this.vx * dt; this.y += this.vy * dt; } } 
const scanner = { x: Math.floor(window.innerWidth / 2), width: SCA
N_WIDTH, glow: 3.5, }; function drawParticle(ctx, p) { ctx.globalA
lpha = clamp(p.a, 0, 1); ctx.drawImage(gradient, p.x - p.r, p.y - 
p.r, p.r * 2, p.r * 2); } function tick(t) { const dt = 0.016; } c
onst state = { intensity: 1.2, particles: MAX_PARTICLES }; const b
ounds = { w: window.innerWidth, h: 300 }; const gradient = documen
t.createElement('canvas'); const ctx = gradient.getContext('2d'); 
ctx.globalCompositeOperation = 'lighter'; const state = { intensit
y: 1.2, particles: MAX_PARTICLES }; const bounds = { w: window.inn
erWidth, h: 300 }; const gradient = document.createElement('canvas

*Your exact rate depends on your verified data, not just your score.

Rates shown are illustrative examples. Actual rates depend on borrower verification, property type, and market conditions. Loanova does not guarantee approval or specific rate offers prior to full review.

Start your homeownership journey with Loanova

Our goal is to help self-employed Canadians, newcomers, and non-traditional earners become homeowners. We look at your full financial picture — not just a credit score — and reward the habits that truly matter.

Loanova is in the process of becoming a licensed mortgage provider under applicable provincial regulations. Approvals and rates will depend on verified financial information and credit assessment.

Join the Waitlist

FAQ

Questions?
We’ve Got Answers.

Who can apply with Loanova?

Do you offer fixed and variable mortgages?

Is there an origination fee?

What kind of data do you use to assess my application?

How long does the approval process take?

What are Loanova’s mortgage rates?

Does applying affect my credit score?

Is Loanova a bank?

Is my data safe?

How Loanova Simplifies Getting a Mortgage in Canada

How Loanova Simplifies Getting a Mortgage in Canada

How Loanova Simplifies Getting a Mortgage in Canada

Powered by data, designed for real life.

Why Borrow with Loanova

Why Borrow with Loanova

Why Borrow with Loanova

Why Borrow with Loanova

A fairer, faster way to get a private mortgage in Canada.

A fairer, faster way to get a private mortgage in Canada.

A fairer, faster way to get a private mortgage in Canada.

A fairer, faster way to get a private mortgage in Canada.

The Borrower Journey

The Borrower Journey

The Borrower Journey

From application to funding — clear steps, no surprises.

From application to funding — clear steps, no surprises.

From application to funding — clear steps, no surprises.

We designed the Loanova process to be fast, transparent, and built around you. From secure data connection to funding, you’ll always know what’s happening and what comes next.

We designed the Loanova process to be fast, transparent, and built around you. From secure data connection to funding, you’ll always know what’s happening and what comes next.

We designed the Loanova process to be fast, transparent, and built around you. From secure data connection to funding, you’ll always know what’s happening and what comes next.

Apply securely

Connect your financial accounts and provide a few key details — our platform handles verification instantly, with bank-level encryption.

AI-assisted assessment

We analyze verified data, such as income stability, rent history, spending behaviour, and more to build a complete picture of your creditworthiness, beyond what a traditional credit score captures.

Get your offer

Our credit team reviews your application and assigns a Loanova grade, matching you to a mortgage offer tailored to your profile.

Finalize and fund

Once you accept your offer, documents are handled digitally and funds are disbursed quickly through our secure network.

Apply securely

Connect your financial accounts and provide a few key details — our platform handles verification instantly, with bank-level encryption.

AI-assisted assessment

We analyze verified data such as income stability, rent history, and spending behavior to understand your full financial picture.

Get your offer

Our credit team reviews your application and assigns a Loanova grade, matching you to a mortgage offer tailored to your profile.

Finalize and fund

Once you accept your offer, documents are handled digitally and funds are disbursed quickly through our secure network.

Private Mortgage Rates Built Around Your Financial Story

Everyone’s financial story is different — your rate should reflect that.

Everyone’s financial story is different — your rate should reflect that.

Everyone’s financial story is different — your rate should reflect that.

Loanova uses verified data to match borrowers with rates that reflect their true financial profile. By analyzing income consistency, rent history, and spending habits — not just a credit score — we offer rates that reward stability and transparency.

Start your homeownership journey with Loanova

Start your homeownership journey with Loanova

Start your homeownership journey with Loanova

Our goal is to help self-employed Canadians, newcomers, and non-traditional earners become homeowners. We look at your full financial picture — not just a credit score — and reward the habits that truly matter.

Questions?We’ve Got Answers.

Questions?We’ve Got Answers.

Questions?We’ve Got Answers.

Questions?We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.

Questions?
We’ve Got Answers.