You can go straight to one lender, or you can work with a broker who brings many to you. The difference is choice, and someone in your corner managing the process. Here is how working with a broker differs from going direct, how it works, and the questions people ask most.
You see one lender's own products and rates. It can work, but you only see what that single lender offers, and the comparing is left to you.
We bring options from many lenders to one conversation, explain the trade-offs in plain language, and manage the file from application to close. The comparing is our job.
On most prime residential mortgages the lender compensates the broker, so there is typically no direct cost to you. On some files a fee can apply, and we always tell you up front.
We make one credit request and present it to lenders, rather than you applying separately at several places.
We do. We handle the paperwork and the lender back-and-forth, and keep you updated through to closing.
Buying, refinancing, or renewing? Bring us your situation and we will bring the options to you, in plain language. A licensed member of our team will follow up.
Start a conversationInformation here is general and educational. It is not financial, legal, or lending advice, and it is not an offer of financing. Broker compensation and any applicable fees vary by lender and product and are disclosed to you before you proceed. Credit and lender processes vary by situation. Any figures are illustrative only. All financing is subject to lender review, property review, and supporting documentation. Submission of a form does not guarantee approval or financing.