Testimonial"If you have an existing mortgage, you should call Sabeena and ask her to get you a better rate"... READ MORE >>

 

A home is likely the largest financial investment you will ever make and the mortgage that goes along with it will likely be the largest single debt you ever take on. That being said, all mortgages are not equal. Knowing how products differ from lender to lender, how to compare cost and strategies to reduce those costs can save you a lot of money, and possibly take years off of the life of your mortgage.

When you consult with us, you consult with a professional who is dedicated to finding the best mortgage for you. 

Why Use a Mortgage Broker?

When you consult with a bank, you deal with only one lender. Bank employees work on a salary basis and are paid to represent the best interests of their bank and can only offer services provided by their institution.

As independent mortgage brokers, we offer services and the lowest rates from over 40 lenders, which in turn allows us to design a mortgage which best suits your needs and saves you money.

We do all the paperwork and research necessary to get your application approved, saving you the time and complication of shopping for a mortgage on your own. Since our company brings millions of dollars in mortgage volumes to many different financial institutions, we often get extra benefits, such as lower interest rates and faster approvals. These benefits are passed onto you, the client.  You would likely not access these perks as an individual borrower.

How is a Mortgage Broker Paid?

On standard, qualified applications, you are never charged a fee to arrange your mortgage. Only in situations where clients don't meet standard mortgage approval guidelines might a fee be charged, which will always be quoted up-front. Banks and lenders want your business and will pay me to bring the business to them in one nice, neat package. They do far less work, so with these savings they pay the broker a finders fee… so there is no fee to you!

 

 

We know that different people need different things in a mortgage. That's why we have solutions for all kinds of homeowners. Whether you are buying your first home, an investment or cottage property, or looking at home renovations or renewing your mortgage, we have a mortgage solution for you.

Residential Mortgages
Commercial Mortgages

Self employed – no income
qualifiers
Cash back mortgages
Interest only mortgages
Equity mortgages
Bridge financing

We have various features available:

 25, 30 and 35 year amortizations
Large prepayment options
Open and closed mortgages
Variable rate mortgages
STEP Mortgages (1st mortgage
and credit line mortgages)
1st time Home Buyer Mortgages
CMHC & Genworth Insured
mortgages
Prior Bankruptcy mortgages
Private first and second mortgages