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Purchasing a Property or Refinancing Your Home?

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Down to Earth Mortgage Advice & Tips

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Why Do People Choose Us

High Approval Rate

Our experienced advisors have established excellent relationships with our lenders to provide our clients with a high rate of approval.

Competitive Rates

We are able to offer our clients competitive rates to ensure maximum savings based on various financial conditions.

Excellent Mortgage Products

We work with over 100 lenders to deliver the best products and financing solutions to our clients.

Down to Earth Mortgage Advice

We offer our clients the best advice and options. We even recommend our clients to go with other financial institutions if it is in their best interest. (Subscribe to Mortgage Tips)

Frequently Asked Questions

Please take a look at the common questions people have regarding mortgages. You may be able to find the answers to most of your questions on our website.

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Have you reached out to RBC, TD, BMO, CIBC, or Bank of Nova Scotia regarding your mortgage needs?

These top Canadian banks often offer the best mortgage products without any brokerage fees. (Our lenders charge 1~1.5% brokerage fee) If you are able to obtain financing with these banks, you should definitely do so. As long as you are able to put in 35% or more into the down payment, your chances of obtaining mortgage financing with these banks are high. Find out more: Why you should check with the Big Five Banks first

When should I reach out to you?

If you are considering buying a property, we recommend that you familiarize yourself with a basic understanding of how a mortgage works first. We have provided a lot of free resources in our Learning Centre. When you are ready to buy a property, (e.g. understood your current financial status and the types of property you can probably afford) you can then reach out to us any time. You need to work with a mortgage advisor before you put down the deposit on a property. If you are able to put in 35% or more into the down payment of a mortgage, you should reach out to the top Canadian banks first - RBC, TD, BMO, CIBC, or Bank of Nova Scotia.

What types of mortgages do you do?

Whether you are a first-time homebuyer or an existing homeowner, we are able to provide you with the best financing or refinancing options, both residential and commercial. The types of mortgages we do include Conventional Mortgage, Fixed/Variable Rate Mortgage, Open Mortgage, Closed Mortgage, Convertible Mortgage, and Reverse Mortgage. Find out more: Types of Mortgages in Canada

What kind of costs to expect?

There are various fees involved to purchase a property. In most cases, there may be Lender's Commission, Application Fee, Title Insurance Fee, Home Inspection Fee, Home Appraisal Fee, Status Certificate Fee, Prepayment Penalty, Land Transfer Tax, Legal Fees, and New Account Setup Fees. Learn more: The costs to expect when applying or renewing a mortgage.