According to regulations in B.C., Mortgage Brokers must complete training at the UBC Sauder School of Business and obtain a license to provide you with the most professional mortgage advice to meet your financing needs.

We Work for You, Not the Bank!

The primary expertise of mortgage brokers is sourcing funds for mortgage financing. Brokers are not limited in the products they can offer you. We can provide clients with a wider range of products and the best rates from various banks, trusts, financial institutions, and private lenders. Additionally, we possess the necessary knowledge to present your financing proposal to lenders in the most favorable manner, ensuring successful mortgage financing.

Five Reasons to Use a Mortgage Broker

1. Access to different lenders, banks, trusts, investors, and financial institutions.

2. We work for you, not the bank.

3. We understand all mortgage rates, terms, and repayment options available in the market.

4. We specialize in mortgages and understand current trends.

5. Brokers have a vested interest in meeting your needs because they rely on referrals and repeat clients.

How Do Mortgage Brokers Find the Best Rates?

Most borrowers are concerned about rates. Mortgage brokers interact with lenders daily and know which institutions offer favorable rates and which might be higher. Some institutions only accept applications submitted by mortgage brokers. These rates and preferences for mortgage types can change daily based on economic conditions or the institution's portfolio size for a specific mortgage type. Your mortgage broker stays up-to-date and knows which lenders to approach, often securing the most competitive rates available.

Why Should I go to a Mortgage Broker First?

• Save Time and Money: Mortgage brokers know the rates and terms of different lenders in the market, helping you quickly find the best mortgage solution for your needs, saving you the time of comparing multiple lenders yourself.
• Single Credit Check: With a mortgage broker, you only need one credit check to access multiple lenders. This helps reduce the impact on your credit score, as too many credit inquiries can negatively affect your rating.

Additionally, Mortgage Brokers often have professional relationships with private funding sources (known as Private Lenders). These lenders can offer many mortgage products that are not available through traditional sources.