No, there are no broker fees for our service—it's completely free to you. Instead, the bank pays us a fee for bringing them your business.

Mortgage brokers, like insurance brokers, work for you. We shop around to find the best rates and terms available, tailoring options to your needs.

A no-income-verification mortgage is a home loan that doesn't require traditional income documentation, making it ideal for self-employed individuals.

Life insurance typically pays your family if you pass away, while mortgage protection is designed to cover your mortgage debt, paying the bank directly.

A conventional mortgage usually requires a down payment of 20% or more of the purchase price (Loan-to-Value of 80% or less). It typically doesn't require mortgage default insurance, which means there are no insurance premiums for the borrower. However, interest rates may be slightly higher since the loan lacks default insurance.

A high-ratio mortgage is for buyers with a down payment between 5% and 20%. This mortgage type includes a mandatory insurance premium.

No, our services are available across all provinces and territories in Canada.