Buy with a number you trust.
Know your real budget before you fall for a listing — then hold a pre-approval rate while you shop.
Independent mortgage advice · Canada
The right mortgage is the one you understand.
We compare banks, credit unions and alternative lenders for Canadian buyers, homeowners and investors — then explain every trade-off before you sign.
- Purchase & pre-approval
- Renewals & switches
- Self-employed & newcomers
Quick estimate4.49% example rate · 25 yrs
$0
Mortgage—
Down—
CMHC premium—
Example only — not a rate quote or approval.
Full calculator with taxes & stress test
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Mortgage navigator
What brings you here?
Pick the situation closest to yours. You will see what matters most, what to gather and where to start.
Rules worth knowing
Four numbers that shape every Canadian mortgage.
Federal rules set the floor for down payments, insurance and qualifying. Lenders can be stricter.
5%Minimum down payment on the first $500,000 of the price; 10% on the portion above.
$1.5MInsured-mortgage price cap. At or above it, you need 20% down.
30 yrsInsured amortization for first-time buyers and buyers of new builds.
5.25%Minimum stress-test rate — or your rate plus 2%, whichever is higher.
Federal rules as of 2026. Rules change — always confirm with your advisor before you buy.
Oneapplication, many lenders
Why an advisor
Your bank offers its mortgages. We compare the market.
A licensed mortgage agent works across lenders, so the advice starts with your situation — not one bank’s product shelf.
- One application and one credit check, many lenders compared
- Penalties, portability and prepayment explained before rate
- On most residential mortgages the lender pays the brokerage — any fee to you is disclosed in writing first
- Support from pre-approval to funding, and again at renewal
Mortgage paths
Start where you are.
Each path has its own rules, documents and timing.
i.
Buy a home
Pre-approval, down payment strategy, FHSA and closing costs.
Buying
ii.
Renew or switch
Compare before your maturity date — not after the letter arrives.
Renewing
iii.
Refinance
Consolidate debt, renovate or access equity — with the real cost shown.
Refinancing
iv.
Specialty
Self-employed, newcomers, investors, private and commercial.
SpecialtyBorrower scenarios
Three common files, three different plans.
Illustrative examples of how advice changes with the situation — not client testimonials or results.
Condo at $640,000
- Situation
- Two salaried incomes, 8% saved, FHSA open for two years.
- Watch
- CMHC premium and land transfer tax.
- Plan
- Use FHSA + HBP, compare 25 vs 30 years, hold a rate for 120 days.
Term ends in 5 months
- Situation
- Bank renewal offer above market, good equity, stable job.
- Watch
- Switch costs and the new term’s penalty rules.
- Plan
- Compare a straight switch with the bank’s matched offer.
Incorporated contractor
- Situation
- Strong business, low personal income on paper.
- Watch
- How lenders read retained earnings and add-backs.
- Plan
- Package two years of financials; compare prime vs alternative.
Where we work
Licensed where we serve.
Mortgage agents can only arrange mortgages in provinces where they are licensed through their brokerage.
OntarioBritish ColumbiaAlbertaSaskatchewanManitobaQuébecNew BrunswickNova ScotiaPrince Edward IslandNewfoundland & Labrador
Highlighted provinces are placeholders — replace with your actual licensed areas.
Next step
A clear plan before you sign anything.
Buying, renewing or refinancing — a 30-minute review shows your options, the trade-offs and the documents to gather first. No obligation.