Frequently Asked Questions

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A mortgage broker acts as a middleman between you and lenders, helping you find the best mortgage product for your needs. We assess your financial situation, compare mortgage options from multiple lenders, and guide you through the application and approval process.

Banks offer only their own products. A mortgage broker has access to multiple lenders and can shop around to find you the best rate and terms—often with more flexibility and better service.

In most cases, mortgage brokers are paid by the lender, not the borrower. There may be exceptions for complex or private lending situations, and we’ll always disclose that up front.

Yes. We work with lenders who specialize in self-employed individuals, new Canadians, and those with credit challenges. There are often solutions beyond what traditional banks offer.

• Fixed rate means your interest rate and payments stay the same for the term.
• Variable rate means the interest can change based on market conditions, which may affect your payment or how much goes toward interest vs. principal.
  We’ll help you decide which is right for your risk tolerance and goals.

• This depends on your income, credit score, down payment, and current debts. We’ll do a full pre-approval to determine your budget before you start house hunting.

• A pre-approval gives you an idea of how much you can borrow and locks in a rate for a limited time. It strengthens your offer when buying and helps you shop with confidence.

• Absolutely. Whether your mortgage is up for renewal or you want to refinance to access equity or lower your rate, we’ll shop the market to make sure you’re getting the best deal available.

• No—we also arrange commercial mortgages, investment property financing, and private lending. If it involves real estate and borrowing, we can help