Partner with Lower

We help your clients find the best mortgage deal for their situation. If your client funds their mortgage through us, you earn commission.

The right source for Canadian mortgages

Lower is Canada’s premium mortgage broker offering every type of mortgage in any location across the country.

  • See the lowest rates

    See the lowest rates

    We’ll check 40+ lenders and 10,000 products in the market.

  • Get expert advice

    Get expert advice

    Speak with your trusted Lower advisors anytime.

  • We do the hard work

    We do the hard work

    Lower advisors will do all the application admin.

We close more deals faster

When you refer your clients to Lower we give them a call and personalize our service to them. That's why more clients decide to close their mortgage deal with us.

No credit check until the client's ready

No credit check until the client's ready

We know credit is important, so we don’t do any hard pulls until clients are absolutely ready.

A better customer experience

A better customer experience

Clients can connect with top mortgage specialists anytime, anywhere online or by phone.

We make sure payments are affordable

We make sure payments are affordable

We provide competitive rates and make sure customers' monthly payments are affordable.

Why partner with us?

Have a different question? Contact us today.

How does partnership with Lower work?

Lower partners with realtors, financial advisors, and other professionals to help get more Canadians low mortgage rates by financing with us. Fill out our form to get started. When your referrals complete a mortgage deal with us, you'll earn commission.

Do partners get a commission for referring clients?

Absolutely! We appreciate you trusting us to make your client's mortgage experience exceptional. To say thanks we provide the following commission tiers:

  • Earn $500 for referring a mortgage deal worth between $200,000 and $400,000
  • Earn $750 for referring a mortgage deal worth between $400,001 and $650,000
  • Earn $1000 for referring a mortgage deal worth more than $650,000
*Plus, we'll add an additional $1,200 bonus for every five clients you refer.

How can I put my clients in touch with you?

After you fill out our form to become a Lower partner, we'll provide you with your own referral link to provide to your clients. Your clients will be able to apply for a mortgage through the link and we'll know the deal came from you.

  • Earn $500

    for referring a mortgage deal worth between $200k - $400k

  • Earn $750

    for referring a mortgage deal worth between $400k - $650k

  • Earn $1,000

    for referring a mortgage deal worth more than $650k

Start Earning With Us

Refer more, make more! For every 5 clients you refer, we will give you an additional $1,200 as a bonus.

Canadians love

Rated 4.9 / 5 on Google, Facebook, Trustpilot, Comparewise and others.

  • Brian Molnar
    Brian Molnar


    Buying a home for your family is so important. Ammar made us feel comfortable with at ease with this process. He took his time to understand our needs but was very quick with the process.

  • Karen Austin
    Karen Austin


    I bought my first home a few years back and used @lowerdotca. It was a great experience so I called them when I was ready to purchase my second house. Ammar and his team go above and beyond.

  • Valerie Fincher
    Valerie Fincher


    We had a great experience with Ammar and his team. He explained us all of our options without us feeling the pressure or rushed. I highly recommend.

  • Jeff Mahlum
    Jeff Mahlum


    I was extremely nervous being a first time home buyer in Toronto. With prices skyrocketing I wasn't sure this was the right move but after speaking to Ammar, he made me feel confident.

  • Clementine Mason
    Clementine Mason


    Ammar went above and beyond our expectations, answering all of our questions and securing us an even better rate that we'd hoped for! The entire process was very smooth and we will be recommending his mortgage services.

  • Averi Blackwell
    Averi Blackwell


    I was working with a broker before and it was a nightmare. Thank goodness I found Ammar. He was always quick to respond to help us. We will definitely be using Ammar when it’s time to renew our home.

  • Melissa Dodds
    Melissa Dodds


    I was anxious being a first-time home buyer in the Toronto market. Ammar was referred to me by a friend of the family and he definitely made the process much easier to work through!

  • John Hartman
    John Hartman


    We really appreciated Damien’s patience and compassion through this entire process. We are very happy with our rate and how easy he made our experience.

  • Ruben Gonzalez
    Ruben Gonzalez


    Ammar was amazing to work with from start to finish. Found us such an excellent rate. He went above and beyond for us.

  • Nicola Weber
    Nicola Weber


    @lowerdotca helped me with my purchase of my third business property. He found us the best rates. I would recommend Shawn if you need to speak to anyone.

  • Brooke Cheng
    Brooke Cheng


    My family member recommend @lowerdotca and to speak to Ammar. He doesn't disappoint. I was very satisfied with his service.

  • Fredy Pollich
    Fredy Pollich


    My previous mortgage broker retired so I had to find a new one. When I contacted Lower. The whole team is amazing. I was impressed right off the bat. Very professional.

  • Tricia Seward
    Tricia Seward


    @lowerdotca was recommended to me by a fellow business owner who used their services to refinance their property. I found Ammar to be knowledgeable and efficient in helping us to reduce our rate and liquidate the capital we needed to expand our business.

  • Judson Flatley
    Judson Flatley


    So glad I found Damien and Lower. The last time I had to renew my mortgage was a headache. Damine is familar with the challenges of applying as a self-employed individual and got our re-financing done without any trouble.

  • Josephine R
    Josephine R


    Lower gave us confidence in our purchase. I won’t even hesitate calling because they are just that great! Very easy to understand and work with.

  • Albert Taylor
    Albert Taylor


    I've worked with Lower many times. I highly recommend them to my clients who are in need. They work hard to get the best rates.

  • William Westley
    William Westley


    I was referred to Damien because I wanted to purchase the building my business is in when my landlord decided to sell. We went over all of my options and I ended up not only managing to purchase the building but also get extra funds to

  • Javier Garcia
    Javier Garcia


    Very reliable team. They are straight forward which I liked. They are honest but they also work very hard to find the best rates for you.

  • Michele Peers
    Michele Peers


    I had the pleasure of speaking to Shawn about a few things. Including purchasing property for my business and we got approved very quick. I will be using his services for my business in the future.

  • Donal Lynch
    Donal Lynch


    I used @lowerdotca to help with the purchase of my second investment property. Damien made the process quick and straightforward, which I appreciated as I have a hectic schedule.