A Mortgage Broker is a licensed professional who secures financing from various lenders, including banks, credit unions, private, and alternative lenders—some of which are only accessible through brokers. Regulated by the Financial Services Commission of Ontario (FSCO), they shop the market for the best interest rates and mortgage products while leveraging their expertise to present strong financing proposals on your behalf.

Shopping for a mortgage on your own can be time-consuming and overwhelming, especially without knowing the right questions to ask. Mortgage Brokers have access to the lowest discounted rates from all major Canadian lenders, giving you an advantage banks won’t offer. Banks focus on profit, often locking clients into restrictive products that cost thousands over time. Unlike bank employees, Mortgage Brokers work for you, not the lender, ensuring you get the best mortgage product—not just the lowest rate. Choosing the right mortgage with a broker’s expertise can save you significant money over the life of your loan.

Canadians refinance their homes for various reasons, including consolidating debt, paying off taxes, or funding home renovations like adding a swimming pool. By refinancing and incorporating loan or credit card debt, homeowners can significantly reduce their monthly payments—especially with today’s low interest rates. Ultimately, refinancing offers financial flexibility to meet your needs.

Yes! I work with lenders who will consider your mortgage application as long as your bankruptcy has been discharged. With sufficient home equity, I can help refinance your mortgage regardless of your credit history. The best way to find out if you qualify is to give us a call.

Mortgage Brokers do not always charge a fee for their services, but if a fee is warranted, it is negotiated up front and documented. Fees are based on the complexity, strength and type of project. They are a one-time only charge, and are quoted once the details of the deal have been examined. A Mortgage Broker is a trained professional and your investment in the professional services of a mortgage broker is generally returned very quickly, not only in time saved, but also in the quality of the financing and service received.

Your loan eligibility is influenced by several factors, such as your income, credit score, debt-to-income ratio, and the specific loan type you’re seeking. Our team is here to evaluate your financial situation and help you determine the optimal borrowing amount.

You’ll generally need to submit proof of income, tax returns, bank statements, identification, and details about your debts and assets. Our experts will walk you through the exact documents required for your application.

The time required for mortgage approval depends on factors such as the loan type and your financial profile. Typically, the process can take anywhere from a few days to several weeks. Our team works diligently to ensure a smooth and efficient experience.