What documentation does my Mortgage Broker require from me?
Click on the following link to view the FINANCING AGREEMENT and REQUIRED DOCUMENTATION check list.
What is a Mortgage Broker?
Just as an insurance broker finds you the best deal on insurance,
a mortgage broker finds you the best deal on a mortgage. Rather
than working for one financial institution, we're independent
and deal with several different financial institutions. This
allows us to offer you more choices and more competitive rates.
It also means our advice is impartial and based on whatever
is in your best interest.
Let an expert take care of getting
you a better rate.
Because we study mortgage rate markets and have direct access
to several different lenders, we can offer you highly competitive
rates that are among the best available. And, while you may
not enjoy negotiating with financial institutions, that’s
our specialty. We’ll make sure you get the most attractive
rate currently on offer.
We can shop dozens of lenders in the
time it takes you to book an appointment at your bank.
Shopping for mortgages can be time consuming and frustrating
if you do it yourself. That’s why more and more Canadians
are relying on mortgage brokers. We know which lenders offer
which products and can quickly short list the ones that best
match your needs. You’ll end up with the best features
and rate, all in one stop.
Advice that’s based solely on your needs and in your best
Not only do we understand everything there
is to know about mortgages, we can explain it in plain English.
Because we don’t work for any of the lenders, we won’t
try to lead you in a certain direction. After making sure we understand
your needs, we’ll present you with some options and together
we’ll decide which mortgage is best for you and your financial
future. No pressure. No ulterior motives.
As a mortgage broker, we are 100% dedicated to the financing of
your home. We know all about GDS, PIT, ARM, LTV, ETO etc. and can
explain everything you really need to know in easy-to-understand
terms. So all you have to think about is enjoying an affordable
new mortgage in your exciting new home!
Our expert, unbiased, fast service is FREE!
Even though we work for you (not the financial institution), we
get paid by the financial institution (not you!). Their “finders
fees” reimburses us for bringing them creditworthy customers
like you. And since these fees are similar across most lenders,
there’s no incentive for us to favour one lender over another.
In very rare instances – if, for example, you have non-standard
credit – a broker may charge a fee, but in the vast majority
of cases, there’s absolutely no charge of any kind to you!
As your mortgage broker, we are highly motivated
to get your mortgage completed fast.
After we’ve analyzed your financial situation and goals, we
shop several lenders for the mortgages that best meet your needs.
Once we agree on the final choice, we place your mortgage with that
particular lender. Only after all the details are taken care of
and your mortgage is complete do we receive our “finders fee”
from the lender. This provides strong motivation for us to keep
your deal moving forward to early completion.
Even though I can usually promise a discounted
rate, I only deal with first quality, brand name lenders.
Most of the lenders we deal with are the same reputable, established
Canadian financial institutions you’re used to. To that list,
we also add some innovative broker-only lenders who offer even more
attractive rates and features. But rest assured, all the peace-of-mind
features you require – like CMHC or GE insurance – are
fully available from us. We are committed to the highest ethical
standards and doing everything we can to ensure your financial future
is 100% secure!
Let us help you find the best deal on your
As your mortgage broker, our job is to listen to your needs and
dreams. Then we find a mortgage that helps you achieve everything,
simply and affordably.
Have a question? Contact