Empowering brokers, building community, transforming homeownership

IN Partnership with

MCAN Home delivers innovative products and educational programs to empower mortgage brokers and their clients, helping build stronger businesses, trusted brands, and more inclusive opportunities for Canadians to achieve homeownership

FOR MCAN HOME, cultivating connected communities for Canadians goes beyond designing innovative solutions – it's about fostering a culture of collaboration, empowerment, and shared purpose. While MCAN excels in creating products that address the evolving needs of the Canadian housing market, its true strength lies in offering mortgage brokers something more: a trusted partnership that prioritizes relationships, community, and long-term growth. By investing in brokers’ success and creating opportunities to build their businesses and brands, MCAN redefines what it means to collaborate, transforming transactions into meaningful, lasting impact.

Redefining homeownership for Canadians is MCAN’s mission. The company aims to provide sustainable growth and returns to all its stakeholders through its relationship-driven lending and investing activities, and through quality work delivered by an expert team focusing on excellent client service. Since its beginning in 1992, the company’s goal has been to be the preferred mortgage lender and investor in its chosen markets in Canada. Our foundational experience and knowledge of Canadian real estate mean we build mortgage solutions that reflect the needs of real Canadians, solutions inspired by real life and delivered through an exclusive network of accredited mortgage brokers. With people-first financing and investing solutions that help Canadians achieve homeownership and build wealth through real estate, we are reframing our investment in community and home. Because every story begins at home.

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“[Brokers] know better than anyone what clients need. These discussions inspire changes that help us as an organization deliver programs that really help Canadians”

AVish Buck, MCAN

MCAN’s approach to culture and connection isn’t just an abstract ideal – it directly informs the design of unique mortgage solutions that address real challenges Canadians face. Take the SCORE Program – an acronym for Support for Credit Optimization, Rehabilitation, and Education – which motivates clients to improve and maintain elevated credit profiles after debt consolidation, empowering them to take meaningful steps forward. As an added incentive, MCAN rewards those who meet their goals by contributing up to $1,000 directly toward their mortgage principal. And brokers? They’re not left out – those eligible through the ICON Program earn four times the MQ Points for funding SCORE-driven mortgages, recognizing their role in driving client success.

The SCORE Program was inspired by live conversations with partners across Canada at the company’s exclusive summits, which bring industry leaders and newer agents with fresh ideas together with representatives from MCAN’s executive, operational, and sales teams. These events, according to Avish Buck, SVP and COO of MCAN Financial, and president of MCAN Home, are critical to product evolution. “I look forward to these summits to connect with our partners in a smaller, more personal setting. They know better than anyone what clients need. These discussions inspire changes that help us as an organization deliver programs that really help Canadians.”

“We work with the best broker partners to make sure Canadians understand their options – and take advantage of the opportunities available to them. It’s about amplifying what’s possible”

Kim Mercer, MCAN

Mortgage solutions rooted in empowerment and innovation

Published December 11, 2024

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SCORE clients can earn up to $1,000 in mortgage payments and ICON brokers automatically boost MQ Points by 4x to an extra 20 bps on SCORE deals.

Addressing market trends with forward-thinking products

Beyond individual programs, MCAN responds to broader market trends, such as the rise of multigenerational living, by offering flexible income allowances. These solutions help diverse family structures thrive in Canada’s evolving housing landscape. MCAN’s cultural pillars – connection, empowerment, and innovation – translate into products that meet the ever-changing needs of Canadians while enabling brokers to build trust and grow their businesses.

MCAN increased contributory income allowance to $1,400 and boarder income to $750 in certain areas.

Flexibility and resilience through tailored lending solutions

The recently launched Discover one-year open mortgage offers clients the short-term freedom they need to navigate life transitions, while the 65/65/65 program offers case-by-case elevated debt service ratio allowances based on a client’s demonstrated ability to meet obligations. All represent MCAN’s story-based approach to lending. By focusing on individual circumstances within a robust risk-management framework, MCAN balances innovative growth with a steadfast commitment to financial stability. “The emphasis is on client education and empowerment,” explains Kim Mercer, director of corporate brand and marketing. “We work with the best broker partners to make sure Canadians understand their options – and take advantage of the opportunities available to them. It’s about amplifying what’s possible.”

Flexibility and resilience through tailored lending solutions

The ICON program: Celebrating success and community

The ICON program exemplifies MCAN’s values of connection, community, and collaboration. Recently enhanced with the new Explorer tier, this rewards program offers top-performing brokers once-in-a-lifetime travel experiences. 2025 brokers will journey to Iceland, followed by Spain in 2026. These curated trips are designed to foster relationships and celebrate shared success. “Iceland is a bucket-list trip,” says Mercer. “And it will be exceptional from invitation to follow-up, creating stories and momentum that will strengthen our partnerships.” MCAN recently revealed that Sagen will be a title sponsor of the Explorer Experience trips. “We’re thrilled to welcome Sagen as an exclusive partner. Our organizations have a lot in common, including our shared commitment to helping Canadians achieve the dream of homeownership." In addition to summits and adventure travel, ICON participants gain access to exclusive benefits such as digital promotion, rate discounts, product previews, and the well-known and much-loved client cheque rewards. These rewards allow

brokers to select clients to receive payments of up to $25,000 toward their mortgage principal. Last year’s grand prize winner, Rock Capital, hosted a community event to celebrate their $25,000 reward, highlighting the ICON Program’s holistic approach to rewarding success through shared stories and community connection. The event was featured in local media and brought families, brokers, and the team from MCAN Home together for a fun afternoon.

A culture recognized for excellence. A workspace inspired by community

recently offered a sneak peek at its new office, a design-forward space inspired by the communities MCAN supports. This thoughtfully crafted environment is more than just a workspace – it's a hub for innovation and collaboration. “Our new office space is a testament to our commitment to collaboration and innovation,” says Buck. “It's designed to fuel a culture where our team can thrive and achieve great things together. I think being recognized as one of Canada's Most Admired Corporate Cultures reflects this passion we all have for our purpose. It’s an incredible honor, and it inspires us to continue fostering an environment in which creativity and connection drive success.”

Connecting people, communities, and futures

From innovative mortgage solutions to award-winning culture and community-inspired design, MCAN embodies its mission of building bold futures for Canadians. By fostering relationships and creating growth opportunities, MCAN continues to set itself apart as a trusted partner for mortgage brokers, team members, and the communities it serves.

Creative spaces for collaboration

MCAN recently moved into a new office space inspired by the very neighbourhoods they invest in across Canada. A hub for collaboration and imagination, the design features original installations by Canadian artists. Declared one of Canada’s Most Admired Corporate Cultures by Waterstone This prestigious award celebrates Canadian organizations that excel in building cultures that drive exceptional performance and sustain a competitive edge.

Cultivating community

The MCAN Advantage

Free mortgage payments: Almost $300,000 awarded across Canada through 60+ broker partners Growing communities: Nearly 12,000 trees planted in Canadian communities affected by fire and deforestation Product development: NEW SCORE Program has helped more than 50 families improve their credit profile and earn $$$ toward their mortgage principal 65/65/65 Program: Allows increased debt ratios on a case-by-case basis where clients have additional income to meet mortgage obligations Real Deal feature: Read more about SCORE-ing long-term stability for clients in their time of need

MCAN’s thriving culture of innovation, collaboration, and excellence recently earned the company recognition as one of Canada's Most Admired Corporate Cultures by Waterstone Human Capital. This prestigious award honours organizations that demonstrate how culture drives performance and creates a competitive advantage. For MCAN, this recognition reflects its commitment to empowering Canadians and fostering a team environment in which bold ideas flourish. MCAN’s cultural strength is evident not only in its programs but also in its physical spaces. The company recently offered a sneak peek at its new office, a design-forward space inspired by the communities MCAN supports. This thoughtfully crafted environment is more than just a workspace – it's a hub for innovation and collaboration. “Our new office space is a testament to our commitment to collaboration and innovation,” says Buck. “It's designed to fuel a culture where our team can thrive and achieve great things together. I think being recognized as one of Canada's Most Admired Corporate Cultures reflects this passion we all have for our purpose. It’s an incredible honor, and it inspires us to continue fostering an environment in which creativity and connection drive success.”