How It Works
From Question to Quote in Under Two Minutes
Loans Expert makes mortgage comparison simple, transparent, and fast. Here is exactly what happens when you use our platform.
Tell Us About Your Mortgage
Start by answering a few straightforward questions about the property you are purchasing or refinancing, your down payment, and your financial profile. We ask about income, employment type, and credit range so our engine can find the rates you actually qualify for — not just advertised rates.
- No account or sign-up required
- Takes less than two minutes to complete
- Your information is encrypted and never sold
- Works for purchases, renewals, and refinances
AI-Powered Matching
Once you submit your details, our AI engine goes to work. It compares rates from multiple Canadian lenders in real time, evaluating each option against your specific profile — not just the headline rate.
- Considers your full profile: credit, income, property type
- Ranks options by total cost of borrowing, not just rate
- Explains the trade-offs between fixed and variable terms
- Highlights prepayment privileges and penalty structures
Connect With a Licensed Expert
Your top matches are reviewed by a licensed mortgage professional registered in British Columbia. They handle the full application process, negotiate on your behalf, and guide you through to funding.
- A licensed mortgage broker reviews every match
- They handle all paperwork and lender communications
- They negotiate to get you the best possible terms
- You are never committed until you choose to proceed
Free to use. No obligation. No credit check required.
Frequently Asked Questions
Common questions about how Loans Expert works.
Is Loans Expert a lender?
No. Loans Expert is a mortgage comparison platform operated by Planetterrian Ventures Inc. We connect you with licensed mortgage professionals who work with a network of Canadian lenders to find the best rate for your situation.
Does comparing rates affect my credit score?
No. Our initial rate comparison does not require a credit check. A credit inquiry only happens if you choose to proceed with a full mortgage application through your assigned broker.
How much does it cost to use Loans Expert?
Comparing rates on Loans Expert is completely free. There is no obligation to proceed, and you will never be charged for using our comparison tool.
How are the rates determined?
Rates are sourced directly from our network of Canadian lenders and updated regularly. The rates shown are based on your specific profile and may differ from advertised rates, which often assume ideal borrower conditions.
What types of mortgages can I compare?
You can compare rates for home purchases, renewals, and refinances. We support fixed-rate, variable-rate, and adjustable-rate mortgage products across insured and conventional categories.
Which provinces do you serve?
We currently serve borrowers in British Columbia. We are actively working to expand to additional Canadian provinces in the near future.