Breezeful is an online mortgage broker, which can sometimes be quicker than traditional methods while finding you a better rate. Their algorithm sifts through the various rates and options available to show you the best rates available, but of course there's no guarantee that you'll actually qualify for them.
In order to complete the process, in fact, you have to upload a number of documents and speak with one of their mortgage specialists, which hardly seems like a fully digital system. It certainly takes longer than the claimed 2 minutes to get started. Still, it's worth exploring
What you get with Breezeful Mortgages
Here's what Breezeful has to offer.Verified on September 15, 2025
Why You Want It
Compare offers from 100+ lenders + Work with a dedicated mortgage expert.
Special Features
- Refer a friend program
Provinces
ALL
Features
# Of Lenders
100+
Pre-approval
Instant Quotes
New Mortgage
Refinance
Switch Lenders
Personal Support
Online Support
Phone Support
Text Support
Fees?
0
Our rating for Breezeful Mortgages: 5.0 stars
In a world where more and more services are going fully online, Breezeful is a bit of a hybrid beast. Where some modern online mortgage solutions walk you through the full application process online, Breezeful...not so much. The process is slightly awkward, but over 100 potential lenders is tough to beat.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
What's good about Breezeful Mortgages
Breezeful does have a few things going for it.
Pros
Instant quotes are available
As you go through the initial online application process, you'll very quickly get a couple of instant mortgage rate quotes that give you the best available rate for a variable or fixed mortgage based on the information you've entered so far. These are, of course, just initial quotes and there's no guarantee that's what you'll eventually end up getting for your mortgage rate.
Dedicated mortgage expert
When you go through the process of getting a mortgage through Breezeful, you'll get access to a personal, dedicated mortgage expert who will help you through the full process of selecting, applying for, and being approved for a mortgage. This sort of personal, one-on-one help can be very useful (and comforting) when looking to borrow this much money.
Over 100 lenders
Breezeful's algorithm digs through mortgages available through over 100 lenders, including traditional banks, private lenders, and more. This eliminates a great deal of the work you'd normally have to do on your own to find the best mortgage for your own situation.
What to watch out for with Breezeful Mortgages
A few things to watch out for with Breezeful.
Cons
Application process isn't entirely digital
While you start the Breezeful mortgage application process online, you quickly get to a point where the next step is to book an appointment with a mortgage specialist. And these appointments are generally done over the phone. This is hardly a completely digital process. You'll also have to provide various documentation early in the process, including pay stubs and the like.
Appointment with a specialist is required
As far as we're able to tell, you are unable to get a mortgage through Breezeful without speaking to a mortgage specialist on the phone. And these specialists may actually be mortgage brokers that are already local to you, although we're not entirely sure if that's the case. If it is, that makes Breezeful more of a match-making service between potential clients and an agglomeration of existing mortgage brokers than a mortgage broker itself.
Starts to pester you almost instantly
When we started the application process on Breezeful, we almost immediately received an email from them. While it's understandable to follow up with potential clients in the days following an initial contact, that felt really overzealous.
Best alternatives to Breezeful Mortgages
Here's how Breezeful measures up to its competition.
 |  |  | |
|---|---|---|---|
| Account | Breezeful Mortgages | Homewise | Pine |
| Genius Rating | |||
| Why You Want It | Compare offers from 100+ lenders + Work with a dedicated mortgage expert. |  $250 GeniusCash + Get the best mortgage rate with your personal advisor + Easily close online. | Apply entirely online + Get some of the lowest advertised mortgage rates. |
| # Of Lenders | 100+ | 30+ | See Issuer for Details |
| Pre-approval | | | |
| Instant Quotes | | | |
| New Mortgage | | | |
| Refinance | | | |
Show More | |||
| See rates & details See more Breezeful products Compare | I Want This Deal See more Homewise products Compare | See rates & details See more Pine products Compare |
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Breezeful Mortgages frequently asked questions
What is Breezeful?
Breezeful is an online mortgage broker that helps you find the best mortgage rates based on your particular requirements and qualifications. It can help you save money, and get approved for a mortgage more quickly than other, more traditional methods.
How do mortgage brokers work?
Mortgage brokers are independent agents who specialize in finding the best mortgages for their clients, shopping around for the best rates, and negotiating on your behalf. They even help you with all of the paperwork from initial application to final approval. Mortgage brokers are not new, and there are likely several in operation in your town or city. Online mortgage brokers are a newer option.
What is the lowest mortgage rate in Canada?
Mortgage rates in Canada change frequently enough that the best way to find the lowest rates is to check the various bank and lender websites yourself. Alternatively, you could more easily find the best mortgage for your situation by working with a mortgage broker like Breezeful.
Does Breezeful charge fees?
Breezeful doesn't charge you any fees for helping you find a mortgage. The lenders themselves pay Breezeful a finders fee for giving them business.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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