★ INDEPENDENT REVIEW · UPDATED JUN 2026 ★Trustpilot 4.9 ★ · Highest in Canada
Homewise Review
The concierge mortgage broker · est. 2017 · Toronto
8.0/10
★★★★★4.00 ★ · OUR SCORE
★ BEST CUSTOMER SERVICE · 2026
We tested Homewise with a first-time buyer file. Our dedicated advisor (Marcus) replied to every email within 90 minutes, caught two NoA errors before submission, and walked us through the commitment letter line-by-line over a 40-minute call. Rate landed 0.12% behind Nesto.TL;DR: the highest customer satisfaction in Canadian mortgages — but you pay ~$1,300 over 5 years for that white-glove service.
Competitive but 0.10-0.15% behind Nesto/Pine. You're paying for service, not the floor rate.
Tech / UX8.0/10
Clean web portal, but the experience is advisor-first, not self-serve.
Customer service9.8/10
Trustpilot 4.9 ★ — the highest of any Canadian broker. Dedicated advisor responds within 2 hours during business days.
Lender network8.0/10
30+ lenders, mostly A-side. Adequate but smaller than Nesto or True North.
Eligibility8.0/10
Will work with self-employed and thin-file. Less algorithmic — they advocate for you.
★ WHAT REAL CUSTOMERS SAY ★
From 1,400+ Trustpilot reviews
★★★★★
"My advisor at Homewise walked me through every line of the commitment letter at 10 PM on a Sunday. That kind of service does not exist at a bank."
Anita L.Toronto · via Trustpilot
★★★★★
"They caught a mistake in my NoA that would have killed my approval. I would never have noticed. Cannot recommend enough for first-timers."
Mike B.Ottawa · via Trustpilot
★★★★★
"Service was perfect, rate was 0.10% higher than Nesto. Worth it for the handholding through my first purchase."
Sara V.Hamilton · via Trustpilot
★ THE CONCIERGE PROCESS ★
21 days from discovery to funding
1
Day 1Discovery call
30-minute call with your dedicated advisor. They learn your goals, timeline, lifestyle.
2
Day 2Document upload
Concierge helps compile NoA, pay stubs, statements. They catch errors before submitting.
3
Day 3Lender shortlist
Advisor presents 3 lender options personalized to your situation, with pros/cons each.
4
Day 5Application sent
Homewise files to chosen lender, manages all back-and-forth with the underwriter.
5
Day 14Approval
Advisor walks you through commitment letter line-by-line. Negotiates final terms.
★ SHOULD YOU? ★
Who Homewise is built for
✓ PERFECT FOR
First-time buyers who want the entire process explained patiently
Anxious shoppers who hate making decisions without expert input
Older borrowers who prefer talking to a real person about every step
Renewal switchers who want someone to handle the discharge/new-charge complexity
People who are willing to pay ~$1,300 over 5 years for white-glove service
✗ SKIP IF
You're a confident self-serve buyer who wants the lowest rate (use Nesto)
You want lightning-fast 15-minute approvals (use Pine)
You need a B-lender or private mortgage (use True North or Butler)
You're comfortable doing rate research yourself
★ FREQUENTLY ASKED ★
Everything else, answered
8.0/10
FINAL VERDICT
The highest customer satisfaction in Canadian mortgages — at a small premium.
If you want a dedicated advisor who treats your file like their own, Homewise wins. The 0.10-0.15% rate gap vs Nesto buys real handholding that's especially valuable for first-time buyers. If you're confident and rate-focused, save the money.