We are a team of licensed mortgage professionals based in Mississauga, ON not just a lead generation website. While we use technology to scan lenders for the lowest rates similar to comparison sites, our team of licensed agents & brokers personally manages your application, negotiates with lenders on your behalf, and structures your mortgage to minimize penalties and interest costs.

We access "wholesale" interest rates because we submit high volumes of business to lenders. Banks often post higher "retail" rates to leave room for negotiation. By working with us, you get access to the bottom-line rate upfront, often including exclusive offers from monoline lenders that don't have physical branches and pass the savings on to you.

Not at all. Using our online calculators or speaking with one of our agents for an initial consultation does not impact your credit score. We only perform a credit check (hard inquiry) once you officially proceed with a mortgage application and give us your consent.

Yes, we have access to specific newcomer programs that allow permanent and non-permanent residents to purchase a home with as little as 5% down, provided they have a strong credit history (international credit reports may be accepted) and proof of employment in Canada.