There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.

While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.

Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.

Why should you use me instead of your local bank?

A Mortgage Broker saves you time: One of the biggest benefits to using me as your mortgage broker is that I am a one-stop-shop that not only saves you time, but will save you money too. I can contact any of our lenders, from the big 5 banks to credit unions and even alternative options (if required). This means that YOU only need to fill out one application and I will do all the heavy lifting to present you with the best options for your budget so you can make the final decision!

A Mortgage Broker Can Often Find a Lower Rate: When it comes to mortgages, not all lenders are created equal. Not only do different banks offer different rates depending on the mortgage conditions, but banks can only see their own rates. For you to be able to get accurate quotes, you would need to have multiple meetings - one with each bank or lender - to get their mortgage rate and terms. Whereas I have access to all of the different lenders and their connections can often result in a lower mortgage rate and better plan for you and your family.

A Mortgage Broker Offers Unbiased Advice: I typically work with dozens of lenders and rely on client satisfaction and referrals to keep my business running. Unlike banks focused on signing you for profit reasons, we are a third-party service who gets paid no matter which bank I sign you with. This means we can provide the best rate and unbiased advice because we are focused on helping you achieve your dream.

A Mortgage Broker Service is (Mostly) No Cost: In most cases, using the services of a mortgage broker comes at no cost to the home buyer. A mortgage broker instead receives compensation directly from the lender. The only time you might have to pay is when working with a private lender or alternate lenders.

A Mortgage Broker Protects Your Credit Score: Not only does it take a great deal of time to apply at dozens of lenders yourself, but it can also lead to a lower credit score. Each time you apply at a lender, they must do a “hard credit check”. Unfortunately, too many credit checks in a short period of time can lower your credit score. The benefit of a mortgage broker is that they typically only need to pull your credit score once to apply to various lenders, which protects your hard work.

Having Mortgage options and getting expert advise is powerful. As your mortgage broker, my goal is to navigate the mortgage market and provide a personalized and tailored mortgage solutions based on your current situation and financial goals.  Weather you have Bruised credit, Self-employed, First time home Buyer or New to Canada, I'm here to help.