Most bankers are not licensed and only know their own banks products. You wouldn’t go to your G.P. if you needed a brain surgery. The advantage of my service is that as a mortgage expert I specialized in mortgages from all banks.

I shop the best rates and product from 90 different Banks, Credit unions and Trust Companies, including CIBC(First line), Toronto Dominion, Scotia, Bank of Montreal, Royal (Merix) and most of the Canadian Credit Unions, ING, etc. My service is free as the banks pay me a finder’s fee. The industry is changing and the banks now have to compete for the business, so they value our referrals. (Remember , they spend millions of dollars operating their different locations and have so much internal staffing and layers of management that they can afford to offer us deep discounts for the business they otherwise not have had.

There’s a mortgage product available for almost everyone now. Most people have a story, maybe they changed jobs last year, maybe they went through a divorce and their credit was affected. Today with so many lenders available, nearly everyone qualifies.

My application process is simple and quick. I’ll just take a little info and send it electronically to all the banks I feel are the best fit for your situation; I should have some feedback later that day or the next business day ( people are impatient).

 I take ONE credit bureau only and forward it to all the lenders!.

Many people inadvertently disqualify themselves from getting the best rate when they are shopping for a mortgage. When multiple banks pull a credit bureau, your Beacon score drops every time, sometimes eliminating the chance for the best mortgage or a mortgage at all!