Advice that's based soley on your needs and in your best interest.
Because mortgage brokers don't work for any of the lenders, we won't try to lead you in a certain direction. After making sure we understand your needs, we'll present you with some options and together we'll decide which mortgage is best for you and your financial future. No pressure. No ulterior motives.
Mortgage brokers' expert, unbiased, fast service is free!
Even though mortgage brokers work for you (not the financial institution), they get paid by the financial institution (not you!). The financial institutions' "finders fees" reimburse brokers for bringing them creditworthy customers like you. And since these fees are similar across most lenders, there's no incentive for mortgage brokers to favour one lender over another. In very rare instances--if, for example, you have non-standard credit--a broker may charge a fee, but in the vast majority of cases, there's absolutely no charge of any kind to you!
Mortgage brokers are highly motivated to get your mortgage completed fast.
After we've analyzed your financial situation and goals, mortgage brokers shop several lenders for the mortgages that best meet your needs. Once you agree on the final choice, we place your mortgage with that particular lender. Only after all the details are taken care of and your mortgage is complete do they receive their "finders fee" from the lender. This provides strong motivation for mortgage brokers to keep your deal moving forward to early completion!
Mortgage brokers deal with leading Canadian lenders.
Most of the lenders that brokers deal with are the same reputable, established Canadian financial institutions you're used to. To that list, they also add some innovative broker-only lenders who offer even more attractive rates and features. But rest assured, all the peace-of-mind features you require--like mortgage insurance--are fully available from brokers. We're committed to the highest ethical standards and doing everything we can to ensure all your mortgage needs are met.