Why Use A Mortgage Broker?

We are here for Canadians like you who are looking to fall in love with their first home, move up to their dream home or vacation property, or renew a mortgage using the equity in a home for everything from renovations to debt consolidation.

​Being affiliated with Mortgage Architects allows you to relax knowing full well that you're in the right hands. So get in touch today to be in your new home tomorrow.

​Who's better? The bank or the broker?

The broker works for you. The bank doesn’t.
The right mortgage is a critical factor determining long-term savings. The value of a professional mortgage broker comes from having someone who objectively works for you and is not limited to mortgage product offerings from one source; like a bank.
Advice on choosing the right mortgage option considers interest rate, payment privileges, payment penalties, long term savings and much more.
Take a look at the differences between my services & the bank’s services

​One of the greatest advantages of using a mortgage broker is getting access to over 50 lenders. A bank will only offer you access to their products, while a mortgage broker can offer you more choices through multiple lenders. With this vast product selection, brokers help homebuyers and owners get the best mortgage for their needs.
What is the best mortgage?

1. The right rate
   
2. The right mortgage privileges
   

When selecting the right lender your broker will consider:

• Term
  
• Rate - variable vs. fixed
  
• Payment flexibility
  
• Pre-payment privileges
  
• Restrictions, fees and penalties
  
• Mortgage portability or assumability
  
• Qualifying with no income verification
  (self-employed)
  

Focusing on a rock-bottom rate can mean higher fees and penalties with more restrictive terms when you want to move, refinance or use your mortgage for a debt consolidation. A mortgage broker will give you a sound evaluation of product choices and together will help you decide what option suits your need.