When you walk into a bank, you see one bank’s products. When you work with an independent broker, you see the market.
More choice means better pricing
Lenders compete for business. When there are only a handful of options, prices drift up. When dozens of lenders are competing for the same file, they have to sharpen their pencils — and that works in your favour.
Some lenders only work through brokers, and many of them offer the kind of flexibility borrowers really value: better prepayment options, fairer penalties, or room for income that doesn’t fit a bank’s checklist.
We work for you, not the lender
A bank advisor’s job is to place your mortgage with their bank. Ours is to place it wherever it makes the most sense for you. We look at your income, credit, down payment and plans, and then match you with the lender and product that fit.
What does it cost?
For a standard mortgage, nothing out of your pocket. The lender you choose pays us. In the rare case where a file needs a fee — for example, with a lender that doesn’t pay brokers — we’ll explain it and agree on it with you up front.
Brokers aren’t just for people the bank turned down
That idea is about forty years out of date. Today brokers help first-time buyers, seasoned investors, self-employed people and everyone in between — and by giving people options, we help keep the whole mortgage market competitive.