What do mortgage brokers do?

Mortgage agents and brokers are licensed professionals who help you find the best mortgage solution for your needs. We work with multiple lenders—not just one bank—to offer competitive rates, flexible terms, and tailored advice. Our goal is to simplify the process and get you approved with confidence.

How can we help?

We offer unbiased financing advice and customized mortgage solutions for clients across Canada. We don’t work for the banks—we work for you. In most cases, our services are completely free!

How do mortgage brokers get paid?

In most cases, we’re paid a finder’s fee by the lender you choose. This means you benefit from our service at no cost. For complex or non-traditional situations, there may be additional fees—but we always operate with full transparency. Ask us anytime!

Do I need to pay anything upfront?

Typically, no. For most standard mortgage transactions, our service is free to you as the borrower. If fees are involved, they will be disclosed clearly before moving forward.

Should I get pre-approved before house hunting?

Absolutely. Mortgage pre-approval gives you a clear understanding of your budget, locks in an interest rate for up to 120 days, and makes your offer more attractive to sellers.

What’s the difference between fixed and variable mortgage rates?

Fixed-Rate Mortgage – Your interest rate stays the same over the term. It offers stability and predictability.

Variable-Rate Mortgage – Your rate fluctuates with the market. It can lead to savings over time but comes with some risk.

Should I shop around for different mortgage brokers?

While it’s smart to do your research, a trusted mortgage broker already shops around for you. We compare rates and terms from over 50 lenders to ensure you’re getting the best deal—saving you time, stress, and money.

Can I refinance my mortgage to access home equity?

Yes! Refinancing can help you:
✔ Secure a lower interest rate
✔ Consolidate high-interest debts
✔ Access cash for renovations, investments, or emergencies

What is debt consolidation and how can a mortgage help?

If you’re carrying multiple high-interest debts (like credit cards), refinancing your mortgage can combine them into one manageable payment—often at a much lower rate.

Why should I use a mortgage broker instead of going directly to a bank?

We offer:
✅ Access to multiple lenders, not just one
✅ Exclusive rates not advertised by banks
✅ Faster approvals and streamlined service
✅ Personalized advice from finance professionals
✅ No cost to you in most cases