Mortgages

Who is really focused on your best interest? A home is a significant purchase and having someone who is truly working on your behalf can make all the difference in that transaction.

Lenders are betting that you won’t want to go through the effort of re-doing your mortgage every 5 years; that you’ll just keep renewing. Therefore, most aren’t bending over backwards to try and get you the best rates. This is where a mortgage broker can help.

Because mortgage brokers work with many lenders (major banks, small lenders, insurance and trust companies, and private funds), they often have access to a better rate. We offer a one-stop shop; you simply fill out one application and we do the rest of the work - regardless of whether you’re setting up the initial mortgage, re-financing, or renewing.

Pre-Approvals

Before you start house hunting, get pre-approved for a mortgage:

  • It will set your price range
    By pinpointing the maximum amount you can borrow, you can visit properties within your price range and have a better idea of the homes you can afford.
  • You will be protected against rate increases
    The interest rate offered with your pre-approval is guaranteed for 90 days, so you can focus on finding your ideal home without worrying about rate increases.
  • It increases your negotiating power
    A pre-approval shows the seller of the property that you're a serious buyer. It proves that your financial situation is stable and gives you leverage when negotiating a price. It can also give you an edge over other potential buyers.
We do the rate shopping for you

This is unquestionably the biggest advantage of hiring us. Too many homebuyers simply obtain one mortgage quote from a bank and accept it. Even a small difference in mortgage rates can save you thousands in interest over the life of a mortgage, so it's certainly worth it to shop around.

We simplify it

The mortgage application process can be long! Applying for five different mortgage pre-approvals can easily take the better part of an afternoon. We do all of that legwork for you.

We work for you

We act in your best interest at all times and provide you with undivided loyalty, confidentiality, and full disclosure.

We are free to you. We operate on commissions that are paid by the lender of your mortgage. We don’t get paid unless you get your mortgage.

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