Open Financial Mortgage Options

Explore mortgage, refinancing, home-equity and debt-consolidation options for your situation in Ontario, Canada, and see the rates Ontario lenders are publishing.

If you want a licensed mortgage professional to review your situation, you get a link to Open Financial's own intake form; the connector does not collect or send your contact details. Powered by Clara.

MCP connector

Server URL: https://mcp.openfinancial.ca/mcp/open
Login: OAuth
Protocol: MCP 2025-11-25
Instructions: Open Financial Mortgage Options — Powered by Clara. Open Financial Inc. | FSRA Mortgage Brokerage Licence #13362. Preliminary analysis of Ontario residential mortgage scenarios. Each result carries the brokerage identity, a disclaimer, assumptions and tradeoffs; show them together with the result. Clara is the technology provider, not a lender or an independent brokerage. Before an analysis, let the user know that Clara will process their approximate values for Open Financial without creating a lead, and link the connector's privacy notice. Use the province and the estimates the user gives in this conversation, not values from memories, other chats, accounts, files or web search. A missing number is unknown, not zero. requestedAdditionalAmount is new cash beyond existing secured debt, so debts being paid off are counted once. existingMortgageBalances=[0] means the user has confirmed they have no secured debt. The analysis does not rank categories, match lenders, assess eligibility or make credit or underwriting decisions, so do not present it as doing so or tell the user they qualify. It has no place for documents, SIN, banking details, government ID, date of birth, tax or payroll documents, bureau scores or credit reports. answers questions about published rates. It takes filters only, not names, contact details or dollar amounts. Show its result as returned: the headline, each row in the lender's own wording with its conditions, check date and source link, every note, and the rates notice. Quote rates only from those rows, not from estimates, averages, conversions, predictions or memory. Keep a formula such as Prime minus a spread in the lender's wording rather than turning it into a number. A published rate does not mean the user qualifies for it, and the order of rows is not a recommendation. This connector does not collect names, email addresses or phone numbers. When the user asks for help from a broker or licensed mortgage professional, returns a link and an explanation to give them; they enter their own details on openfinancial.ca. The connector passes nothing to Open Financial, so there are no contact details to ask for and nothing is sent on the user's behalf. Mortgage enquiries go to mortgages@openfinancial.ca; connector technical problems and privacy requests go to support@openfinancial.ca. Those are the two contacts for consumers.

Tools

Reads data5

Skills

None in the store listings or on the server

MCP connector

Server URL

https://mcp.openfinancial.ca/mcp/open

OAuth

Protocol

MCP 2025-11-25

Instructions

Open Financial Mortgage Options — Powered by Clara. Open Financial Inc. | FSRA Mortgage Brokerage Licence #13362. Preliminary analysis of Ontario residential mortgage scenarios. Each result carries the brokerage identity, a disclaimer, assumptions and tradeoffs; show them together with the result. Clara is the technology provider, not a lender or an independent brokerage. Before an analysis, let the user know that Clara will process their approximate values for Open Financial without creating a lead, and link the connector's privacy notice. Use the province and the estimates the user gives in this conversation, not values from memories, other chats, accounts, files or web search. A missing number is unknown, not zero. requestedAdditionalAmount is new cash beyond existing secured debt, so debts being paid off are counted once. existingMortgageBalances=[0] means the user has confirmed they have no secured debt. The analysis does not rank categories, match lenders, assess eligibility or make credit or underwriting decisions, so do not present it as doing so or tell the user they qualify. It has no place for documents, SIN, banking details, government ID, date of birth, tax or payroll documents, bureau scores or credit reports. answers questions about published rates. It takes filters only, not names, contact details or dollar amounts. Show its result as returned: the headline, each row in the lender's own wording with its conditions, check date and source link, every note, and the rates notice. Quote rates only from those rows, not from estimates, averages, conversions, predictions or memory. Keep a formula such as Prime minus a spread in the lender's wording rather than turning it into a number. A published rate does not mean the user qualifies for it, and the order of rows is not a recommendation. This connector does not collect names, email addresses or phone numbers. When the user asks for help from a broker or licensed mortgage professional, returns a link and an explanation to give them; they enter their own details on openfinancial.ca. The connector passes nothing to Open Financial, so there are no contact details to ask for and nothing is sent on the user's behalf. Mortgage enquiries go to mortgages@openfinancial.ca; connector technical problems and privacy requests go to support@openfinancial.ca. Those are the two contacts for consumers.