Our main goal as a mortgage broker is to be your trusted real estate financial advisor. We don't only get you the best rate and options and process speedy approvals but we are looking for long term strategic relationships. Bottom line is we help people build wealth through proper planning and implementation of growing your real estate portfolio...if that's your thing. Oh and if you work with us you'll be sure to smile and laugh. For us it's all about making the often stressful process fun and enjoyable.

Working with a broker allows you to explore all the options across Canada (major banks, Credit Unions, Mortgage Wholesale companies etc...) allowing you to get the best rates from over 50 different lender at one given time. Getting the best rate is what we do!

Working with a broker allows you access all the time to questions and answers and 9-5 is not what we do...we simply work a lot making sure we are there whenever you need us. We are typically much faster than banks as we have our dedicated banks and lender relationships getting approvals and answer much faster.

We do mortgages all across Canada and you'll be surprised the places we have done financing. In fact out three biggest markets are BC, Alberta and Ontario and we are licensed in these provinces by the sheer volume we handle. Need financing in some weird corner of Canada...we are your team!

In most cases, we are paid a commission by the lender or bank. The amount of the commission can change depending on the type of mortgage but is typically about 1% of that amount. The size of the loan and the quality of the client are also a consideration.

Generally, no. About 95% of the time I'm paid a commission by the lender. But if a client's application just doesn't fit with the 50+ mainstream lenders, we have alternative lending options. Those lenders don't pay me a commission, so I need to charge a fee. We are clear from the get go on how things work so there are no surprises.

If you work with a bank you are working with an employee who follows the rules of that particular bank. When working with a Mortgage Broker we are provincially regulated. So we have to be licensed and take tests and ongoing training on how to best service our clients and our industry. We do not work for any institution but are typically self employed which means we work best for our clients.

My services are generally free to my clients. The lender pays me a referral fee or a commission for intrucding you to them, setting up and structuring your mortgage. All mortgage brokers and bank mortgage specialists are generally paid in this manner.