Your file goes to one licensed advisor who owns it from the first call to funding day. It does not get resold to six brokers who each phone you at dinner.
On a standard residential mortgage the lender pays us a finder fee when your mortgage funds. You pay nothing. Because the fee is broadly similar across lenders, we have no financial reason to steer you toward one over another.
On alternative, private and commercial files a brokerage fee may apply. It is disclosed in writing, in dollars, before you sign anything — and if a file does not warrant the fee, we will tell you that too.
Licensed mortgage brokerage. Brokerage Licence #10000 — Administrator Licence #11000. Every advisor on the desk holds a current provincial licence, carries errors and omissions coverage, and completes continuing education annually.
Principal Broker · Licence M08000123
Fifteen years in alternative and private lending. Dylan reviews every file that comes through the desk.
Senior Mortgage Advisor · Licence M09004422
Specialises in first-time buyers and newcomer programs. Fluent in English, Italian and Portuguese.
Mortgage Advisor · Licence M11007781
Commercial and multi-residential files, including CMHC MLI Select applications.
Mortgage Advisor · Licence M12009930
Self-employed and business-for-self lending. Former commercial underwriter.
Panel composition changes as lender programs open and close. Ask your advisor which lenders are active for your file today.
Our bank offered 5.19% on renewal. Rateshop came back with 3.89% at a credit union and covered the switch costs. Twenty minutes of my time saved us $312 a month.
Self-employed for nine years and three banks said no. The advisor here knew exactly which lender reads business income properly. Approved in four days.
We were paying four cards at 22%. One refinance, one payment, and we are done with the debt in five years instead of never.
