Tools to help you plan with confidence.

In the vast majority of cases, no. Our services are completely free to you. We are paid by the lender a couple of weeks after your mortgage funds. You get expert advice and access to 50+ lenders at no cost.

A bank can only offer you their own products, and frankly has their own best interests in mind. We search 50+ lenders, including major banks, credit unions, and mortgage financing companies, to find the mortgage that actually fits your situation. More options means a better outcome for you. And a happy client means our business grows, so our interests are aligned with your interests.

Pre-approval typically takes 24 to 48 hours. A full mortgage approval depends on the complexity of your file, but we keep you informed at every stage so you always know where things stand. When it comes time to make an offer, we will work with your Real Estate Agent to ensure we align on strategy for subject removal period.

One credit check has a minimal impact on your score, and it is a necessary step in the process. Multiple mortgage inquiries within a short window are typically treated as a single check by the credit bureaus.

Generally: government-issued ID, proof of income (pay stubs and T4s), recent bank statements, and an employment letter. If you are self-employed or have a unique situation, we will walk you through exactly what is needed.

Absolutely. Self-employment income can require more documentation depending on how you pay yourself, but with over 40 years of business ownership experience on our team, we understand the nuances. We work with lenders who know how self-employment works and we find the best rate and terms for your situation.