Banks Sell Rates. We Build Strategies.

Most A-lenders require a minimum credit score of 680 for the best rates. However, we work with over 50 lenders, including alternative and private lenders, so we can find solutions for credit scores as low as 500. We'll also provide guidance on improving your score if needed before applying.

Timing depends on your documents, income structure, property, lender requirements, and the complexity of the file. We will outline the expected milestones early and keep you informed as each step progresses.

In most cases, our services are completely free to you. We're compensated by the lender when your mortgage funds. For certain specialized situations (private mortgages, complex files), there may be a broker fee, which we always disclose upfront before you commit to anything.

Your bank can offer its own products. A broker can compare a broader range of lender options and help you understand the trade-offs in rate, term, flexibility, and future borrowing options. Our role is to help you choose a mortgage strategy that fits your goals.

It depends on your financial situation, risk tolerance, and market conditions. We analyze both options for every client and provide a clear recommendation based on your specific circumstances. We'll show you the numbers for both scenarios so you can make an informed decision.

Absolutely. Self-employed borrowers are one of our specialties. Traditional lenders often don't understand business income structures. We know how to properly present your income and match you with lenders who have programs specifically designed for self-employed Canadians.