1. Access to more Lenders WITH Unbiased Advise – When you apply for a mortgage at a bank or credit union, you only have access to the products they offer in house. With a mortgage broker, you’ll have access to dozens of lenders.
Brokers don’t work for the Bank – we work for the CLIENT. Secondly, we don’t get paid until the deal funds, so we are MOTIVATED to get that approval!

2. Save Time and Money – a Broker’s JOB is to have their finger on the pulse of every Lender; their products and their rates. This not only saves time – it saves lots and lots of money!

3. Peace of Mind – Even if you end up staying put at your current bank, at least you’ll have done your due diligence and you know you’re getting a good deal on your mortgage.

4. Multiple Borrowers on Title / Maximum number of Rentals (doors) – Many lenders have rules that can negatively affect your client’s deal right out of the gate – this can come up last minute and waste time!
5. Niche Products – Self Employed Stated income, Pensioner Options, Rental Programs, Bridge Financing / Back Up Plans, CHIP Reverse Mortgage, Manulife ONE, Equity Deals, Step or Multi-Component, Lines of Credits, Alternative Lending, Private 2nds – there are so many cool products Brokers have access to and we want to tell you all about them!
6. No cost: A Mortgage Broker is compensated directly by the lender, so most of the time there’s absolutely no cost to the consumer. The only time there may be a fee is when working with a private lender or a lender who will not pay, but we know well in advance of those potential extra costs.
7. Protect your credit score: If you apply to a dozen of lenders on your own, not only is it time-consuming, it can lead to a lower credit score. Here’s why – each time you apply at a lender, it results in a hard credit check. If you do too many credit checks within a short time span, it can lower your credit score. A Broker will typically pull your credit score once, and share this report with the lenders, helping protect the credit score.

8. Property Tax Deferral / Privately Run Strata Corps – Did you know that many lenders do not allow this? We know which lenders will…
9. Expert advice: Brokers live and breathe mortgages, and can help you navigate thru the maze of information and products; we are accustomed to working with borrowers who may have unique needs, such as freelancers or those with poor credit ratings.