1.79% 5-Year Variable : 2.13% 2-Year Fixed
My team of Licensed Mortgage Brokers will search over 100 lenders to get you the best mortgage rates that best fit your needs. We deal with new mortgages, refinancing, and many special situations.
1 Credit Check = 100+ Mortgage Rates
Lowest Mortgage Rate Guaranteed
Rate Shopping Services are FREE
A Mortgage Rate For Every Scenario, What’s Yours?
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.
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.
Refinance or renew my mortgage
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 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.
Rentals or Second Homes
The big-5 banks will structure your mortgage exactly how you tell them, however, what you say may work against your rate or insurance premium. We have creative solutions to work in your favor. Let’s talk!
Private & Second Mortgages
Look no further! We have 20+ private and 30+ second mortgage options to get you the best deal with a close eye on mortgage rates – Up to 90% of the value of your home!
Interest Rates are historically low – This makes it relatively easy to take out a mortgage. The lower the fixed rate or variable rate, the lower you pay for the house and the faster you can pay off the mortgage. Use our mortgage calculator to play around with different mortgage rates and see how it effects your monthly payments!
Don’t Just Take Your Bank’s “Exclusive Rate”.
5 Reasons To Shop Around With A Broker:
Better Mortgage Rates
Let us shop around – We can often get better deals than you at the big-5 banks. We negotiate special group rates for our clients as well we can use our commission to get you an even lower rate. A broker can save you thousands. In most cases, we can even guarantee the lowest rate!
Second chances – 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 better rates). How? We know which lenders use which rules to qualify you.
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).
More Mortgage Options
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 incomePurchase 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.
1 Credit Check = 100+ Lender Options & Save Your Score
Get more options and 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.
Donald Trump says “Get a Mortgage Broker, Get a Good One…”
Did you know that the lender currently with the lowest rate is not a big-5 bank? And the only way to use this lender is through a mortgage broker!
Did you know that TD has the highest prime rate of the big-5 banks? This means although their variable might be advertised at Prime minus .5% but their prime rate is actually higher than everyone else, misleading, don’t you think!
These are only a couple examples of how a mortgage broker can save and make you money!
Our Mortgage Rate Shopping 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 bank or lender. We work for you. That’s why we’ll sometimes use our own commission to buy down your rate – so you get an even better mortgage rate!
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 sloppy 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.
Ready To Talk About It?
We’ll look at your unique situation and offer 2-3 options for you to think about. We work with only licensed and insured lenders. A smaller lender can offer a better mortgage than your big bank.
Be prepared for an immediate call to discuss your mortgage needs!
We respond within 3 hours on weekdays. No obligation. You’re just shopping around.
Get help from Sterling Wong and his team of licensed
mortgage specialists…Finance the Smart Way!
Toll-Free: 855.241.RATE (7283)
Search Mortgage Corp.
50 Village Centre Pl. Suite 100
Mississauga, Ontario L4Z 1V9
Br#12652 : Lic#M08008042