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Rating by Finanso®

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About lender

Invis is one of the largest national mortgage brokers in Canada. The company was established in 1989 and now has a vast network of more than 50 national and private lenders, brokers, banks, and other partners. They have already provided more than $190 billion in funded loans. The company operates across Canada and has two primary services: insurance and mortgages. Invis has a proprietary provider which realizes their insurance services. However, the main products of this company are residential and commercial mortgages.

Invis provides mortgages and professional advice for first-time house buyers. Also, they offer funds for various purposes: vacation properties, renewals, refinancing, investing in property, credit improvement, and commercial and reverse mortgages.

The company deals with people who are self-employed or newcomers to Canada. Also, Invis has two types of rates - fixed and variable.


One of the most significant features is that Invis is a mortgage broker and connects customers to lenders. As a result, the company has a vast network of partners: brokers, banks, trust companies, credit unions, and other national lenders. Also, they have access to many regional and private lenders, which lets them find the appropriate mortgage solution for their customers.

However, Invis provides not only mortgage brokerage services but also insurance services via their proprietary insurance provider. The company offers mortgages to people who are self-employed and newcomers to Canada.

Another feature is that a client must pass a stress test before approval. Lenders must ensure that a customer can pass this test to see whether they can handle payments at a specific qualifying rate. Usually, the qualifying rate is higher than the actual one, so lenders can make sure that borrowers can manage their mortgages if the rates rise.

Downpayments are obligatory in Invis. Typically, a customer needs to make a minimum 5% downpayment to purchase a house in Canada.

Pros and cons

The Invis services have their advantages and drawbacks. The overview below may help make a balanced decision.


  • Irvis provides a lot of different mortgage services and has a pool of specialists in these areas;

  • The company has a vast network of lenders, banks, credit unions, trust companies, and brokers partners;

  • Besides loans, Invis provides life insurance services via their proprietary insurance provider;

  • The company provides mortgages not only with the variable rate but also with the fixed rate;

  • The company operates all across the country;

  • The website of the lender is well crafted and contains sufficient information and a handy mortgage calculator;

  • Besides business Invis also does charity and helps homeless people;

  • Invis is a member of M3 Financial Group – the largest non-bank mortgage originator in Canada;

  • The company provides mortgages in conjunction with the governmental First-Time Buyer Incentive program.


  • The company doesn’t mention some vital information such as the range of borrowable amounts and methods of funding;

  • The downpayment is obligatory;

  • For some lenders, approval depends on the successful passing of the stress test;

  • Conditions for the variable rate mortgage are not described fully.

As we see, Invis has some advantages. The company has various types of mortgages and rates. Moreover, they provide not only lending services but also insurance services via their proprietary insurance provider.

However, there are some disadvantages. The company only provides mortgages with required downpayments. What is more, the customer must pass a stress test to be approved.

Loan conditions

Firstly, a customer must fill out the application form on the website. They must mention the purpose of the mortgage, home value, closing date, downpayment details, personal data and address, employment information and income sources, and information about the property and other properties. Moreover, the customer must fit the primary loan conditions such as being 18 years old or older, having a good credit score and history, providing proof of income, and proof of citizenship. Moreover, Invis obliges customers to make a downpayment and pass a stress test that is very important for approval. provides mortgages with different types of rates - fixed and variable. If a customer chooses a variable mortgage, their rate will fluctuate together with their lender’s prime rate. This is a risky option. The prime variable rate starts at 2,30% for a five years term.

Fixed rates do not change and remain the same during the mortgage term. However, the terms vary between 1 and 10 years, and the rates start from 3,84% up to 6,09%.

Methods of loan funding

Typically, these details are specified in the contract with your lender.


What is Invis?

Invis is one of the largest mortgage brokers in Canada. They have a huge network of partners such as brokers, banks, trust companies, credit unions, and other national and private lenders. Invis connects customers to their partners. They provide mortgages with two types of rates: variable and fixed. Besides mortgages, Invis provides insurance services as they have a proprietary insurance provider.

Who owns Invis?

In 2016 Group Multi-Prêts Mortgage Alliance announced the acquisition of all shares of Invis Inc. and affiliated company Mortgage Intelligence.

How do you qualify for Invis?

The customer must fill out the application form located on the website. Typically, they must fit in the primary loan conditions such as being older than 18 years old, having good credit, providing proof of income and address. Also, a customer must pass a stress test.

How much can you borrow from Invis?

Unfortunately, limits of the borrowable amount are not mentioned.

Is it a legitimate company?

This is a legitimate company. Also, Invis is a member of M3 Financial Group - the largest non-bank mortgage originator in Canada.

Company documents

Privacy Policy

Invis, along with our affiliated company Mortgage Intelligence, is one of the largest and most respected national mortgage brokerages in Canada, with experienced and caring mortgage brokers across the country, in every province, with representation in small and large cities, urban and rural areas. We have been helping Canadians meet their home ownership dreams and financial goals for over 20 years.

© Invis Inc.

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What to pay attention to when applying for a loan from Invis

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Invis from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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