We work for you, not the lenders.

When we say we work for you, we mean it. Your Mortgage Centre Specialist will do all the work of mortgage shopping for you, so you can concentrate on making your move go smoothly. We'll meet to discuss your needs when and where you like—or handle everything over the phone, if you prefer. We'll take the time to explain all the steps and terms in plain English to make sure you're completely comfortable. Then we'll shop your mortgage to Canada's leading lenders who compete for the opportunity of funding your mortgage.

Because we don't work for the lenders, we have virtually unlimited access to leading financial institutions from across Canada. This guarantees you a huge range of mortgage options to choose from, so finding one that fits your needs precisely is easy. And as independent local business people, we won't lead you in any one direction. We'll offer expert, unbiased advice so you can feel confident you're getting the best-available rate and features.

Here's how we work for you:

1. We sit down with you, evaluate your needs and complete an electronic application form.

2. Based on your application, our exclusive electronic bid system generates a one-page personalized mortgage proposal for you that outlines the lenders' best rates and product features.

3. Together we decide which lender offers the most attractive package of rate and features for your specific needs.

4. We then electronically forward your application to that lender.

5. Once approval is received—usually within a matter of hours—you simply sign the required forms and you've got your mortgage! Then, over the next few days and weeks, we follow up with all supporting documents.

How mortgage brokers help you get a better deal.

Lately, you've probably been hearing a lot of your friends and co-workers talking about getting their mortgages through a mortgage broker. What's led to this rapid rise in the popularity of brokers? A lot of things.

More lenders are now offering a wider range of mortgages to choose from. Consumers have begun to shop around for their mortgage rather than simply taking what their financial institution offers. Lenders have started advertising discounted rates, making it obvious that there's a good reason to shop around.

But the biggest reason for the increasing reliance on mortgage brokers is that brokers offer consumers several important advantages:

• Independent, unbiased advice. Mortgage brokers provide mortgages from various lenders, so they're not tied to one lender or one type of mortgage.

• More mortgage choices. Mortgage brokers have direct electronic access to virtually every major lender in Canada, so they can show you a wide range of rates and features.

• Best-available rates. Mortgage brokers study rates daily and always know where to find the most competitive ones. Plus they know how to negotiate with lenders to ensure you're getting the best available deal.

• Fast, convenient local service. Mortgage brokers are highly motivated to keep your mortgage moving forward quickly because they only get paid—by the lender—when your mortgage is complete.

• Specialized knowledge. As specialists, mortgage brokers have a thorough understanding of all available products, features and rates. And they can explain everything to you so you know exactly what you're getting into.

• Secure, established lenders. Mortgage brokers deal with the same reputable, established Canadian financial institutions you're used to. Plus, they have access to some innovative broker—only lenders who offer even more attractive rates and features.

The Mortgage Centre became Canada's first national mortgage broker organization in 1989. As a licensed mortgage broker, your local Mortgage Centre Specialist is fully qualified to provide you with all of these benefits.
Plus, your Specialist is a local business person with roots in the community and a deep understanding of your local market. Best of all, only Mortgage Centre Specialists have access to the enhanced choice offered by our exclusive Mortgage Market!

Is it the best rate, or the best rate for you?

Lots of web sites list what they call "Today's Best Rates". But at The Mortgage Centre, we'd rather not mislead you.

Mortgage rates change regularly, so you may see a rate advertised that's no longer available by the time you apply. What's more, certain rates are only available to clients with specific needs or credit qualifications. There's no way for you to know whether an advertised rate is what you'll end up getting.

Another consideration is that some mortgages with very low rates may not give you the options or flexibility you need. The only way we can accurately quote you the best rate is to do a free analysis of your situation, needs and goals. Then once we know exactly what's right for you, we'll shop the market and find you the best-available package of rates and features.