Why Choose Us
A mortgage broker finds you the best mortgage tailored for you. Rather than working for one financial institution, we are independent and deal with over 30 different institutions. This allows us to offer you more choices at competitive rates. It also means our advice impartial and decisions are based on whatever is in your best interest.
Let an expert take care of getting you a better rate
We study the mortgage rate markets and have direct access to many lenders. We can offer you competitive rates that are the best available. And, while you may not enjoy negotiating with financial institutions, that's our job and we make sure you get the best rate currently on offer.
We can shop dozens of lenders in the time it takes you to book an appointment at your bank
Shopping for a mortgage is time consuming and frustrating. That's why more and more Canadian are relying on mortgage brokers. We work through the maze of lender products and can quickly direct your application to those lenders that match your individual needs.
Advise is based solely on your needs and in your best interest
Because we don't work for any mortgage institutions, we don't try to lead you in certain directions. We work to understand your needs and together we'll decide which mortgage is best for you and your financial future.
Not only do we understand everything there is to know about mortgages, we can explain it in plain English
As a mortgage broker we are dedicated to the financing of you home, we can explain to you, in plain English, the terms and conditions of your new mortgage.
Our services are free
Even though we work for you and not for a financial institution we are paid by the financial institution where the mortgage is placed. Their "finders fee's" reimburse me for bring them clients like you. Since these fees are similar from lender to lender there's no incentive for us to favour a particular lender. On some rare occasions, a broker may charge a fee, but in the majority of cases, there is absolutely no charge.
After we have reviewed your financial situation and mortgage requirements, we forward your application to several lenders that best suit your needs. Once you have decided on your final choice, we finalize the mortgage with that institution. Only after all of the conditions have met and the mortgage is complete do we receive the "finders fee" from the lender. This provides strong motivation for us to have the mortgage complete at the earliest possible time.
We deal with quality lenders
Most of the lenders we deal with are the same established lenders that you are familiar with. Also, we deal with lenders that only work with brokers, these lenders may offer more attractive rates and features. All of these lenders work with CMHC (Canada Mortgage & Housing), Genworth Financial and Canada Guaranty mortgage insurance to offer you peace of mind.