Experience, Honesty & Expertise

We’ve been helping people find the right mortgage for their homes, investments and commercial ventures for over 15 years and have experience with just about every kind of property you can think of. We can help you with a simple home purchase or a complicated commercial investment, no deal is too big, too small or too complex!

The Lowest Rates in Canada

As a member of Verico, one of Canada’s Largest Broker Networks, we have top-level access to almost every major bank and lender across the country. That means better terms and outstanding rates for you!

Today’s Low Rate2.70%

How We Can Help You

checkmark Residential Mortgages

checkmark Commercial Properties

checkmark Investment Properties

checkmark Self-Employed

checkmark Refinancing

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Your Brokers

Jean Yves Pigeon

Jean Yves Pigeon

Gary Khangura

Gary Khangura

kelly lai

Kelly (Kuan Yu) Lai

Christopher Morrison

Christopher Morrison

Wilbur Yang

Wilbur Yang

Yiannis Andreou

Yiannis Andreou

Life is Better with a Broker

Our Certified Mortgage Brokers will professionally package your profile & search for better rates and better terms from more than 50 lenders. So sit back and let us do the leg-work. We’ll find you a mortgage with the right terms and the best rates from a reputable lender.

Rates

Everyone gets excited about low rates, but many don’t realize that posted rates are for ideal properties in ideal neighborhoods for ideal clients with ideal credit history and ideal profiles. The truth is, the rate you qualify for is dependent on dozens of factors, and can sometimes even be lower than what we are allowed to post.

Canadian Mortgage Rates.
Term
Our Rates
Bank Rates
Savings
1 year2.19%2.94%-0.75%
2 years2.19%2.34%-0.15%
3 years2.20%3.65%-1.45%
4 years2.49%4.39%-1.90%
5 years2.54%4.64%-2.10%
7 years3.44%5.30%-1.86%
10 years3.84%6.10%-2.26%
Prime Rate:2.70 %
Variable Low:2.70 %
Last Update:2/11/2016

Posted rates are updated frequently, but can change without notice. Not all applicants qualify for posted rates. We may have access to rates that are even lower than posted.

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Bruised Credit?

Let us help you quickly improve your credit rating, giving you access to much lower rates and potentially saving you thousands of dollars. If your credit rating is less-than-perfect, we can often help you to pinpoint a few solid actions that will quickly upgrade your rating! Call us today & let’s get started!

Save IconSwitch and Save!

The Canadian Mortgage Housing Corporation reports that Canadians save an average of 1% when they switch lenders!  We are happy to help you figure out whether switching will work for you and we’ll hunt for the greatest savings we can find. We love it when lenders compete for your business!

Situation IconWhat’s Your Situation?

Whether you’re looking for your first home, an investment property, a commercial or construction loan, we have the expertise to find excellent terms and great rates for you.

  • Conventional or High Ratio Mortgages
  • Construction & Commercial Loans
  • Equity Take Outs
  • 1st, 2nd and 3rd Mortgages
  • Bridge Financing
  • Debt Consolidation

Recent Blog Entries

CMHC premium rates are increasing on insured mortgages

Starting in March 2017, Canadians who need an insured mortgage will have to pay a little more for the premium. This is an effort to strengthen the mortgage market. These steps follow recommendations from the Office of the Superintendent of Financial Institutions...

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