Perch Canada

Perch, founded in 2018 and headquartered in Toronto, Ontario, is an award-winning tech company dedicated to helping individuals build wealth through real estate. Perch offers a range of free tools and calculators that provide personalized financial insights, including Pathfinder, Mortgage Calculator, and Mortgage Penalty Calculator. The company provides pre-approvals in as little as 20 minutes and mortgage approvals in less than 48 hours, along with dedicated 1:1 support from mortgage advisors available seven days a week. Perch also offers automated alerts to assist users in staying on track while getting a mortgage and provides monthly property valuation estimates. As a fully licensed and regulated digital mortgage brokerage, Perch has access to mortgages from banks, credit unions, B lenders, and private lenders, but does not offer commercial mortgages, focusing solely on residential properties. Perch’s services are available across all provinces and territories in Canada, including Quebec. The company is a member of the Canadian Lenders Association, MaRS, and Communitech, and is part of the REACH accelerator operated by Second Century Ventures. To ensure the security of personal information, Perch uses AES-256, block-level storage encryption. Additionally, Perch offers a referral program where users can earn up to $500 for each friend who gets a mortgage with them. Perch provides services for a variety of clients, including first-time buyers, homeowners, landlords/investors, non-salaried income earners, and new immigrants to Canada. The company assists with finding a mortgage, mortgage rate forecasts, getting pre-approved, renewing a mortgage, selling a home, refinancing, HELOC/second mortgage, renovation financing, and debt consolidation. Perch’s various calculators include mortgage affordability, land transfer tax, closing cost, rent vs buy, home renovation, and mortgage penalty calculators. The company has been featured in major news outlets such as the Toronto Star, Financial Post, CityNews, and BetaKit. Perch offers personalized mortgage offers through its Pathfinder tool and provides resources like a 2024 Guide to buying a home and a Canadian mortgage glossary. The company also maintains a blog with tips and the latest mortgage news, customer stories, FAQs, and a monthly newsletter to keep users updated on mortgage rates.