Resources
The useful things, in one place.
- Today’s ratesPosted rates with APR, term, lender type and the conditions attached to each one.
- Payment calculatorCanadian semi-annual compounding, term interest, and the balance at renewal.
- Why use a brokerWhat a brokerage does, who pays for it, and when it adds nothing.
- Mortgage typesTen kinds of file, what each one needs, and what it costs.
- Mobile appThe brokerage network’s app — calculators, an inventory tracker and secure messaging.
- Code of conductThe ten sector principles we work to, and what each obliges us to do.
What lenders ask for
Gathering these before you start removes about a week from most files. None of them go through this website — you will send them to the lender through their own secure system when the time comes.
- Two most recent pay stubs, or two years of T1s and notices of assessment if self-employed
- A letter of employment, where you are salaried or hourly
- Ninety days of history on the down payment, or a signed gift letter from an immediate family member
- The property details — listing, MLS number, and the status certificate on a condominium
- Your current mortgage statement and property tax bill, on a refinance or renewal
Find out what you qualify for.
Takes about two minutes. No credit inquiry to start, and no SIN required — we only ask for that when a lender formally needs it.
Pre-qualification is not a mortgage approval or a commitment to lend. All mortgages are subject to lender approval.