My team of Licensed Mortgage Specialists will search over 100 lenders to get you deals that best fit your needs. We deal with new mortgages, refinancing, and many special situations.
Tell Us Your Story
I just started a new job
The big-5 banks won’t approve you, just because you changed jobs. Don’t get discouraged. We have a lender that will accept your new job while you are on probation.
I have bruised credit
If your credit history is not perfect, you can still get a good mortgage rate. We can find an A or B-lender that will look at your overall situation, not just your credit score.
I am on mat leave
The big-5 banks won’t use your mat-leave income, don’t get discouraged. We have an institution that will use 100% of your income prior to your mat leave.
I have rental income
If you own investment properties, the big-5 banks will ignore a big chunk of your rental income. We will have the institution that will count most or all of your rental income.
I am self-employed
Can’t prove your real income? Many banks treat self-employed and commission sales as second-class citizens. Luckily we know lenders that want your business without sacrificing your rate.
I want to refinance & consolidate
Whether your mortgage is up for renewal or not. We will refinance your existing mortgage while providing you additional funds to consolidate, invest, etc. at the lowest rate and save you money in the long-term.
I am Rate-Shopping
You have an approval from your bank but you feel that there are better deals out there. Let us know what rate to beat, and we’ll beat it, simple as that!
I want a home equity loan
You have been in your home for at least 1 year and would like to turn your equity into a loan or line of credit at an interest rate much lower than a loan or credit card.
In addition to consolidating debt and home equity loans, there are more products we offer. And it’s all FREE.
Don’t Just Take Your Bank’s “Exclusive Rate”.
5 Reasons To Shop Around With A Broker:
We can often get better deals than you at the big-5 banks. We negotiate special group rates for our clients. A broker can save you thousands. In most cases, we can even guarantee the lowest rate!
We have relationships with over 100 lenders. We can find you diverse and flexible options not offered by the big banks.
Here are some ways we’ve made our clients’ mortgages more flexible:
Count a greater % of your rental income Purchase with as little as 5% down
Pay Interest-Only = More cash in your pocket 35-Year Am Mortgages
Mortgage & Credit-Line Combo Non-Provable Income.
Know Disadvantages Of Ultra-Low Rates
A low rate can be deceptive. You might get a low rate on your mortgage, but if you sell early or refinance, your bank may punish you using a higher posted rate. We can find you the same rate without that risk. Or we can find you a better mortgage altogether that will serve you better. Sometimes a higher rate can save you money in the long term or improve your cash flow in the short-term (e.g., with interest-only payments).
One Credit Check To Protect Your Credit Score
Every bank you get a quote from will run a credit check, which will lower your credit score. When we shop around for you, we’ll do a single credit check so we don’t hurt your credit score, even if we’re checking dozens of lenders.
Second Shot At The A-Team
Even if you’re turned down by the big banks, we might still get you a deal with an A-lender (bigger banks that offer much better rates). How? We know which lenders use which rules to qualify you.
Beware The Cheapo, Zero Service Guys
Some companies will drop their rates below competition to the point that they have no money left to offer any service. Your mortgage is important. Avoid loppy or last-minute paperwork. We’ve seen it, and trust us. You want this to go smoothly.
When you get a mortgage through us, we take care of everything. We ask for documents upfront, so it’s all ready for the big day. No last minute surprises.
All Our Services Are FREE
We get paid a commission by the bank where you get your mortgage, but we don’t work for banks. We are not loyal to any institution. We work for you. That’s why we’ll sometimes use our own commission to buy down your rate – so you get a better deal!
Ready To Talk About It?
We’ll look at your unique situation and offer some options for you to think about. We work with only licensed and insured lenders. A new, smaller lender can offer you a better mortgage than your big bank. Shop around.
We respond within 8 hours on weekdays. No obligation. You’re just shopping around.
Get help from our licensed mortgage specialists
Toll-Free: 855.241.RATE (7283)
Search Mortgage Corp.
50 Village Centre Pl. Suite 100
Mississauga, Ontario L4Z 1V9