💰 Expert Mortgage Solutions
Expert Mortgage Planning & Financing Guidance
Secure the best mortgage rates and terms with expert guidance from our trusted mortgage specialists. We compare 30+ lenders to find your perfect financing solution.
- 4.9/5 Rating (320+ Reviews)
- $850M+ in Mortgages Secured
30+
Lending Partners
24hr
Pre-Approval Time
2,500+
Mortgages Secured
100%
Free Service
Why Choose Our Mortgage Planning Service
Navigating the mortgage landscape can be overwhelming with hundreds of products, varying rates, and complex terms. Our expert mortgage specialists simplify the process and work exclusively for you to secure the best possible financing.
With access to 30+ lenders including major banks, credit unions, and alternative lenders, we compare rates and negotiate terms to save you thousands over the life of your mortgage. Best of all, our service is completely free to you.
Access to 30+ Lenders
Compare rates from major banks, credit unions, and alternative lenders in one place
Competitive Rates
Leverage our relationships to secure rates often 0.25-0.50% lower than retail
Expert Guidance
Personalized advice on mortgage products, terms, and strategies for your situation
Complete Mortgage Planning Services
- Free mortgage pre-approval within 24 hours
- Comprehensive rate comparison from 30+ lending institutions
- First-time buyer programs and incentive guidance
- Refinancing consultation and rate optimization
- Investment property and rental financing strategies
- Self-employed and non-traditional income solutions
- Debt consolidation and mortgage restructuring
- Mortgage renewal negotiation and rate matching
- Complete application support through to funding
Why Work With Our Mortgage Specialists
Experience the advantages of working with dedicated mortgage professionals who put your interests first
Lower Rates
Our volume buying power and lender relationships typically secure rates 0.25-0.50% lower than retail, saving you thousands over the mortgage term.
Fast Approval
Get pre-approved in as little as 24 hours with our streamlined application process and direct lender relationships. Quick turnarounds for time-sensitive purchases.
More Options
Access to 30+ lenders means more mortgage products, better terms, and solutions for unique situations that banks might decline.
No Hidden Costs
Our service is 100% free to you with no application fees, broker fees, or hidden charges. Transparent pricing and clear explanations of all costs.
Expert Advice
Personalized guidance on mortgage strategies, payment options, and long-term financial planning from licensed mortgage professionals.
Ongoing Support
We support you throughout the entire mortgage lifecycle including renewals, refinancing, and financial reviews to ensure you always have the best rate.
Our Mortgage Planning Process
A simple 6-step approach to securing your best mortgage solution
Initial Consultation
We start with a comprehensive discussion about your financial situation, home buying goals, budget, and timeline to understand your unique needs and circumstances.
What We Discuss:
- Your home buying goals and timeline
- Current income and employment details
- Down payment amount and savings
- Credit history and debt obligations
- First-time buyer programs eligibility
Financial Assessment
We analyze your financial profile including income verification, credit check, debt-to-income ratios, and purchasing power to determine your borrowing capacity.
Assessment Includes:
- Credit report review and score analysis
- Income and employment verification
- Debt service ratio calculations
- Maximum purchase price determination
- Affordability stress test evaluation
Rate Shopping & Comparison
We shop your mortgage across 30+ lenders simultaneously, comparing rates, terms, features, and penalties to find the optimal mortgage product for your situation.
We Compare:
- Interest rates (fixed vs. variable)
- Mortgage terms (1-10 year options)
- Prepayment privileges and flexibility
- Penalty structures and portability
- Lender-specific features and benefits
Pre-Approval Application
Once you select your preferred mortgage option, we submit your application for pre-approval, typically receiving approval within 24 hours.
Pre-Approval Benefits:
- Know your exact purchasing budget
- Lock in your interest rate (90-130 days)
- Show sellers you're a serious buyer
- Faster closing on accepted offers
- Peace of mind during house hunting
Property Approval & Finalization
When you find your home and have an accepted offer, we submit the property details for final mortgage approval and coordinate with all parties for closing.
Finalization Steps:
- Property appraisal coordination
- Title search and insurance verification
- Final income and employment confirmation
- Mortgage commitment letter issuance
- Lawyer and closing date coordination
Funding & Ongoing Support
On closing day, your mortgage funds are released to your lawyer. We continue to support you with renewals, refinancing, and rate reviews throughout your mortgage term.
Ongoing Services:
- Annual mortgage review and optimization
- Renewal negotiation and rate matching
- Refinancing consultation when beneficial
- Equity utilization strategies (HELOC)
- Market rate monitoring and alerts
Mortgage Products We Offer
Comprehensive financing solutions for every situation
Purchase Mortgages
• First-time buyer programs
• Conventional mortgages
• High-ratio mortgages
• New construction financing
• Investment property loans
Refinancing
• Rate & term refinancing
• Cash-out refinancing
• Debt consolidation
• Home equity loans
• Switch lender programs
Specialized Solutions
• Self-employed mortgages
• New to Canada programs
• Bad credit solutions
• Private lending
• Commercial mortgages
Additional Services
• Mortgage renewals
• Pre-approvals
• Rate holds
• Payment calculators
• HELOC setup
Frequently Asked Questions
Everything you need to know about our mortgage planning services
How much does your mortgage service cost?
Our mortgage brokerage service is 100% free to you. We're compensated by the lending institutions when your mortgage funds, so you pay nothing for our expert guidance, rate shopping, and application support. There are no broker fees, application fees, or hidden charges.
How long does pre-approval take?
Most pre-approvals are completed within 24 hours, and many same-day. We'll need some basic documentation (ID, income verification, employment details), run a credit check, and submit to our lenders. You'll receive a pre-approval certificate valid for 90-130 days.
Will checking rates affect my credit score?
Initial mortgage inquiries and rate quotes do not affect your credit score. When you apply for pre-approval, we perform one credit check which may have a minor, temporary impact. Multiple mortgage applications within a 45-day period are typically counted as one inquiry.
What's the minimum down payment required?
For purchases under $500,000, the minimum down payment is 5%. For homes $500,000-$999,999, you need 5% on the first $500k and 10% on the remainder. For homes $1M+, you need 20% down. First-time buyers may qualify for additional programs and incentives.
Should I choose fixed or variable rate?
It depends on your risk tolerance, budget flexibility, and market outlook. Fixed rates provide payment stability and protection from rate increases. Variable rates typically start lower and can save money if rates stay stable or decrease. We'll help you evaluate both options based on your specific situation and goals.
Can you help if I'm self-employed?
Absolutely! We specialize in self-employed mortgage solutions and work with lenders who understand non-traditional income documentation. Depending on your situation, we can use stated income programs, business-for-self programs, or traditional documentation. Generally, 2 years of business operation and tax returns are required.
What documents do I need to provide?
Typically you'll need: valid government ID, recent pay stubs (2-3 months), employment letter, 2 years tax returns and notices of assessment, 90 days bank statements showing down payment, and void cheque. Self-employed applicants need additional business documentation. We'll provide a complete checklist during consultation.
Can you beat my bank's rate?
In most cases, yes! Banks typically offer "posted rates" with room for negotiation, but mortgage brokers often secure lower rates due to volume buying power and access to wholesale rates. We'll compare your bank's offer against 30+ lenders and present all options with transparent rate comparisons.