Your bank's rate
isn't your
best rate.

All applicable fees are disclosed in writing before you proceed, as required by FSRA regulations.

Our initial rate comparison uses a soft pull — no impact to your score. A hard pull only happens when you formally authorize an application with a specific lender. We will always tell you before any hard inquiry.

Most Ontario clients with clean files receive a formal commitment letter within 24 hours. Complex files — self-employed, alt-A, or investment property — typically take 48–72 hours. We tell you the real timeline before we start.

Yes — and this is where brokers significantly outperform banks. We have placed self-employed, contractor, and incorporated-business-owner files with 12+ lenders that banks do not have access to. The key is how the application is structured, not just the income number.

120 days before your maturity date. Most lenders allow you to lock an early renewal 4 months ahead at no penalty. Waiting until your renewal letter arrives leaves you negotiating without a fallback. We monitor your maturity date and contact you proactively.

The federal mortgage stress test requires you to qualify at your contract rate plus 2%, or 5.25%, whichever is higher. It determines your maximum purchase price. We run this calculation in the first 60 seconds of your consultation — so you know exactly where you stand before making offers.