Why choose a mortgage broker?
Over 50% of Canadians do and the numbers are growing, because we offer:

Choice:
We deal with a great number of banks, financial institutions and private lending sources to find you the best rates available to you based on your financial situation.

Convenience:
We do the work. We package your application, contact the head offices to explain your situation and sell your application to the bank. We bypass the local branches and directly deal with the person that makes the decisions about you, the customer.
You can reach us, talk to a live person and we can be available to you even outside of "banking hours".

Expertise:
We will save you thousands, we get you the best interest rate and we also connect you to the right bank that will offer you best terms for your situation.
We arrange financing for residential/commercial, first/second/third mortgages.

How much does it cost to use a broker?
Free service on residential mortgages. You can only gain by using a broker in any situation!

Who does the mortgage broker represent, the bank or the applicant?
Both. We negotiate on your behalf with the banks, but we also want to be careful to protect our banks, as business partners from fraud and show them applications that meet their guidelines.

Why doesn't my own bank give me the best interest rate?
We do not know. We however appreciate your business and we will find you the best interest rates available to you! Guaranteed!!!

How do you know which bank is right for me?
Each bank has different underwriting guidelines. They specialize in different type of applicants. This very often prevents them from dealing with unique cases. We continuously study the guidelines of each bank and keep up-to-date with the changes. If you happen to be self-employed or own a rural property or have less-than-perfect credit most banks will not deal with you. We specialize in hard-to-approve applications.
How about NO MONEY down, 100% financing even with less-than-perfect credit?