Pre-Approval
Buying power and budget clarity by reviewing income, credit, and goals before starting the home search.
Home Purchase
Compare lenders, rates, and features to secure financing that fits your offer, closing timeline, and long-term plans well.
Renewals
Review renewal options early, compare lenders, and adjust terms to improve rates, flexibility, and long-term mortgage costs.
Refinance
Lower payments, consolidate debt, or access equity while understanding penalties, fees, and savings clearly.
Investing
Rental or investment properties by comparing lenders, cash flow options, and long-term growth strategies.
Self-Employed
Self-employed mortgages by structuring applications that reflect true income and financial stability.
Bruised Credit
Credit-challenged situations by exploring alternative lenders and realistic paths toward improvement.
Separation & Divorce
Mortgage solutions during separation or divorce by reviewing buyouts, refinancing, and affordability options.
And More
Ongoing mortgage support by reviewing options, planning ahead, and adapting as goals change.
Frequently Asked Questions
Do mortgage brokers actually get better rates?
Often, yes. Brokers have access to rates from multiple lenders, including some not available directly to consumers, and can compare them to find competitive options for your situation.
Will talking to a mortgage broker hurt my credit score?
No. Speaking with a mortgage broker and reviewing options does not impact your credit. A credit check is only completed if you choose to proceed with a pre-approval or application.
Is it better to go to a bank or use a mortgage broker?
A bank can only offer its own products, while a broker compares multiple lenders. Many borrowers choose brokers for broader choice, unbiased advice, and help navigating lender differences.
What matters more, the interest rate or the mortgage terms?
Both are important, but terms often matter more long term. A broker helps evaluate penalties, flexibility, and features alongside the rate to reduce future costs and risks.
Can a mortgage broker help if I’m self-employed?
Yes. Brokers regularly work with lenders that specialize in self-employed and non-traditional income, helping structure applications that reflect true earning ability.
Should I choose a fixed or variable mortgage rate?
It depends on comfort level, cash flow, and long-term plans. A broker explains the pros and cons of each option so the decision is based on strategy, not guesswork.
Can I break my mortgage early if I need to?
Yes, but penalties can vary significantly between lenders. A broker helps explain these differences upfront so you avoid unnecessary costs later.
When is the best time to talk to a mortgage broker?
As early as possible. Speaking with a broker before buying, refinancing, or renewing helps set expectations, uncover options, and avoid surprises.
Contact Us
Have questions about mortgage options, rates, or next steps? Reach out to start a conversation and get clear guidance tailored to your situation.
(289) 395-2785
5063 N Service Rd Suite 100-427, Burlington Ontario L7L 5H6
