Frequently Asked Questions

We monitor the low rates from lenders and we obtain these for you. We use our collective volume discount and industry know-how’s to get you a better rate. We take care of all the negotiating and haggling with your bank so you don’t have to. 

Zero fees. We pride ourselves on our excellent customer service. Our advertised lowest rates are all absolutely free. There are zero fees and hidden costs. It really is as simple as letting us shop the market for you and then you receive the rate. The lenders pay us for doing the work and you pay nothing.

Absolutely zero fees and absolutely no other costs to use our services. Just let the happy Canadians we’ve helped tell their story. Read our testimonials. You may have heard myths about how low rate products come with an abundant of conditions and fees but the truth is: the higher the rate, the more commission is made. That’s the rate game and we refuse to play it. That’s why some people may sell you a higher rate by telling you that “low rates” are scary. Now that you’re in the right place, we encourage you to learn about the mortgage process.

We’re licensed by the government of Ontario – The Financial Services Commission of Ontario, which means we’re committed to a high standard of professionalism. We have access to Canada’s largest banks, financial institutions and lenders. When dealing with us, you can benefit from the security of knowing we’re always here for you. Our dedication to integrity and honesty are the foundations of our business.

While a bank can only offer you the products from their bank, we can help shop multiple lenders at once and offer you options and solutions. A bank sometimes also will not offer you their best rate from the start. Save time and let us help.

The process is simple and designed to be easy and stress-free. You can get started by filling out our online application form. Our mortgage broker will get in contact with you to review available rates and solutions. Once you’re ready, we’ll collect your documents and submit them for approval. Then all you have to do is wait for your funding date. We’ll guide you through the entire process step by step so that if you have any questions, we’ll always be here to respond.

We can help with the following:

  • New home purchases
  • First time home buyers
  • Transfers / mortgage renewals
  • Refinances
  • Equity-based mortgages
  • Home Equity Line of Credit
  • Self-employed solutions
  • Investment properties
  • Vacation and second homes
  • Purchase plus improvements
  • Construction loans
  • New to Canada
  • Reverse mortgages