A Smarter Way to Shop for Mortgages in Canada
Homeownership remains one of the biggest financial goals for Canadians—but finding the right mortgage can feel overwhelming, especially with rising rates and stricter lending rules.
Breezeful, a fully online mortgage broker, uses smart technology and expert support to match you with the best lenders for your situation—whether you’re a first-time buyer, investor, or someone with a non-traditional income.
In this updated review, I’ll walk you through how Breezeful works in 2025, its expanded offerings, and why it’s become a top pick for mortgage seekers across Canada.
Online Mortgage Broker
Breezeful is an online mortgage broker to compare different mortgage rates in Canada.
Pros
Cons
Presenting Breezeful Mortgage
Whenever prospective homeowners start shopping around for a mortgage, they look into their own financial standing (As they should).
This means their credit score, how much they can save (or have saved) for a down payment, income, Debt-to-Income (DTR) ratio, and anything else the lenders might use to assess their credibility as borrowers.
This is the right way to go about the process. But it also means that many lenders disregard one crucial stop: Comparing different mortgage lenders. People with excellent credit scores and income believe they will get the best rate with whichever lender they choose.
Others with a weak credit profile think they might end up with a bad deal no matter how many lenders they assess and compare. The savvier ones go with a broker to help them compare and come up with the best mortgage deal for their financial standing.
But this usually takes time. Or it used to before online mortgage brokers like Breezeful disrupted the conventional landscape.
Breezeful Mortgage: A New Solution to An Age-Old Problem
Breezeful: Tech-Driven Mortgage Solutions for a New Era
Breezeful combines modern technology with real human support to simplify the mortgage process. Unlike traditional brokers or comparison tools, Breezeful acts as a digital concierge—guiding you from pre-approval to closing.
The platform now works with over 30 lenders, including big names like TD and Scotiabank, as well as alternative and private lenders to support more complex needs.
In 2024, Breezeful also rolled out soft credit pull technology, meaning your credit score won’t take a hit during the application process.
Whether you’re buying your first home, refinancing, or need a private mortgage solution, Breezeful provides tailored options in minutes—and continues to expand its services across all Canadian provinces and eight U.S. states.
Products, Features & Benefits
Breezeful markets itself as an end-to-end online mortgage lender that offers the best rates and unique mortgage solutions (when needed) to its users. The company also offers a decent range of mortgage products.
Breezeful Mortgage Products
While almost all products essentially boil down to a mortgage loan, choosing the right product (as per your requirement) can help you connect with the best possible lender.
Mortgage Pre-Approval: Breezeful can help you get pre-approval from the best mortgage lender (based on your financial situation) from its range of 30 plus lenders, with just one credit check. Home sellers take buyers who have a pre-approval seriously, and it also gives you a realistic idea of your buying capacity.
Mortgage Refinance: The platform helps you figure out whether refinancing to get a better rate (once your term is over) is worth the extra cost. It changes depending upon the market.
Mortgage Renewal: Renewing your home with the same (or different) lender might become necessary if you can’t pay off your property within the given time.
Rent-to-Own: If you can’t come up with the 20% down payment, or an unconventional income source prevents you from securing reasonable interest rates on a mortgage, rent-to-own might be right for you.
Second Mortgage: You can take out a second mortgage for home improvement, debt consolidation, or capitalize on an investment opportunity.
Private Mortgage: Borrowers who don’t qualify for conventional mortgage loans might need a private mortgage loan. It’s interest-only and has high-rates.
Features and Benefits of Breezeful
There are several things that set Breezeful apart, especially from conventional mortgage brokers that don’t leverage technology as heavily.
A Comprehensive Website: The website is easy to navigate. And even though the products and helpful resources aren’t split under two separate tabs, they are easy to find. The bulk of information you might need, highlights of how Breezeful can help you, and what sets it apart can be found on the main landing page.
Fast And Easy Process: As an online mortgage lender and a self-claimed “disrupter” to a very traditional industry, quick and easy are the key selling points of Breezeful. Whether you choose to apply from the second mortgage (or any other product’s page), or the home page, you will get redirected to the same application. Here you need to answer a few questions typical to mortgage applications, some financial questions, and your personal information. This funnels you through to the right mortgage product and lender. You get the best interest rates (Usually three) for both variable and fixed-rate mortgages in just a few minutes.
A Mortgage Expert On Your Side: You don’t need to shop on your own when you are going through a broker. You will get access to a dedicated mortgage expert that will help you during the process of securing your mortgage and negotiating on your behalf. You send a text if you have any queries, and expert advisors there will help you out.
Decent Range of Lenders: As a new company, Breezeful is starting with a decent range of lenders (30 plus), including two from the big five. The chances are that it might grow this list and allow its users access to an even more comprehensive range of lenders and mortgage products.
Unbiased: As a mortgage broker that connects to and offers rates from multiple lenders, Breezeful is (by design) unbiased. This makes it different from Mortgage experts that are connected to a specific lender.
It’s Free (In a Way): You don’t have to pay anything to Breezeful, for the whole process. As brokers, they get paid by lenders for bringing them the business (a finder’s fee). This might cast some shadow over their “unbiased status,” but rest assured that if a digital broker starts playing favourites in thirty or so of its lenders, they are likely to get tangled by their own web. A fair system is how they get to keep the customer’s and lender’s trust.
Offers Mortgage To (Almost) Everyone: The company claims to find the right mortgage solution for anyone, regardless of their financial standing and background. It specifically mentions self-employed, people with poor credit, recent immigrants, or those denied by banks. Since it offers private mortgage loans, it’s highly likely to make good on its promise.
Updated Tools & Educational Resources:
Breezeful now offers updated tools and blog content, helping users understand complex mortgage types like rent-to-own, interest-only loans, and private mortgage alternatives. The platform aims to simplify decisions through education—not just automation.
Improved User Experience:
The Breezeful application has been optimized for both mobile and desktop use, allowing for faster approvals and smoother lender communication all in one place.
Is Breezeful Safe and Legit?
Breezeful was founded in 2019 and is backed by Y Combinator—one of the top startup accelerators in the world. Since its launch, the platform has raised over $1.5 million in venture funding and now operates across all Canadian provinces and several U.S. states.
The platform is fully digital and free to use. Like other brokers, Breezeful earns a commission from lenders (not borrowers), and it maintains partnerships with reputable institutions like TD and Scotiabank.
While it’s not yet BBB-accredited, Breezeful maintains a 5-star Google rating with dozens of positive reviews and recently launched an educational blog focused on topics like interest rate strategy and alternatives to private lending.
Bottom line: Breezeful is legit, secure, and continues to grow as a trustworthy solution for Canadian mortgage seekers.
Conclusion
Mortgage hunting can be a complicated process. And if you don’t choose right and get stuck with higher rates than you could have gotten, it can cost you thousands of dollars in the long run. And if you do your research right, you will have to spend a lot of time, and will most likely trigger multiple hard credit checks.
Breezeful solves both these problems. You get a fast and easy mortgage assessment with one credit check, and an expert closes the deal on your behalf. Only time will tell whether it’s a true disrupter in the otherwise stagnant mortgage industry, but Breezeful gets Wealthawesome’s nod of approval making mortgage shopping easy by leveraging technology.
You can check the company out here.
Legal Disclaimer: The rates and loan amount provided by Breezeful are estimates based on the information provided and subject to change upon document, appraisal, and lender review. This pre-qualification should not be considered as a pre-approval and is subject to change.
Frequently Asked Questions (FAQ)
1. What is Breezeful?
Breezeful is a digital mortgage broker that helps Canadians find the best mortgage rates by connecting them with over 30 trusted lenders, including big banks and private lenders.
2. Is Breezeful a legit mortgage broker?
Yes, Breezeful is a legitimate Canadian mortgage broker backed by Y Combinator and operating since 2019. It works with top lenders like TD and Scotiabank and has a 5-star rating on Google Reviews.
3. How does Breezeful work?
You fill out a quick online application, and Breezeful runs a single credit check. Then, it matches you with the best mortgage options based on your financial profile. A mortgage expert helps you through the process.
4. Does Breezeful affect my credit score?
No, Breezeful uses a single credit inquiry, so you won’t experience multiple hard checks that can hurt your score.
5. What types of mortgages does Breezeful offer?
Breezeful offers mortgage pre-approvals, renewals, refinancing, second mortgages, rent-to-own options, and private mortgages for clients who may not qualify with traditional lenders.
6. Can Breezeful help people with bad credit?
Yes, Breezeful works with lenders who cater to self-employed borrowers, newcomers to Canada, and individuals with poor credit or unconventional income sources.
7. How does Breezeful make money?
Breezeful is free for users. It earns a commission from lenders when a deal is closed—similar to how traditional brokers operate.
8. Where is Breezeful available?
Breezeful is available across all Canadian provinces and also serves clients in several U.S. states.
9. Is Breezeful better than a traditional mortgage broker?
Breezeful offers a faster, more convenient digital experience while still providing access to live mortgage experts. It also allows broader lender comparison without visiting multiple banks.
10. How can I apply for a mortgage with Breezeful?
Simply visit Breezeful’s website, complete the short online application, and a mortgage expert will contact you with your best mortgage options.
