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Using a mortgage broker is almost as similar as using an insurance broker to shop around rates for you. You fill out the application and answer all necessary questions, and we do all the hard work for you! We have access to over 50 lenders and may be able to beat the rates offered by the banks!

There is no cost to filling out an application and speaking with a mortgage broker. In certain instances there may be of costs. This could be in certain difficult situations such as prior bankruptcy, consumer proposal,  or private mortgages. Feel free to reach out today! This will be a transparent process and you will be told upfront if there is any fee required. The fees will be taken ONLY if the mortgage is funded under these circumstances and you were aware of it.

In essence, we handle all the challenging procedures involved in obtaining a sizable loan from our lenders. Before a lender will even consider loaning you money, dozens of documentation must be obtained, confirmed, and provided. We package together your entire financial status for our lenders to understand in order to expedite your approval and property purchase.

The access to lenders is the main distinction between a mortgage broker and a bank. Mortgage brokers can look around for the best rates available, including those at the big banks, however the banks will only give you prices and services supplied within their corporate structure.

A homeownership opportunity exists for everyone, giving them access to the housing market. Calculating your numbers and determining our choices must come first. We have connections with credit unions and private lenders who will approve you with less stringent debt service ratios and a lower credit score. If not, we can cooperate to improve your financial status and secure your mortgage approval.

Mortgage refinancing is the process of replacing an old loan with a new one. Homeowners do this in order to access their home's equity, consolidate debt, switch mortgage products, or take advantage of a reduced interest rate. As long as your home has at least 20% equity, you can refinance (possible exemptions on this with some creative financing). Refinancing can result in thousands of dollars in cost savings over the life of your mortgage if done wisely. A lower interest rate indicates that a greater percentage of each payment is allocated to the principle if you maintain the same monthly payment plan. This not only helps you save money, but it might also shorten the amortization period by many years. Some of the main reasons people refinance their mortgage is to consolidate debt, take advantage of lower interest rates, or access equity in their home. There is no reason needed to refinance your current mortgage.