Why a Broker?

As your mortgage broker, my only job is looking out for your best interest.

Shopping for a mortgage in Canada is changing. More lenders are competing for your business. New features and options are being introduced every day. Knowing what’s right for you – and how much to pay – is becoming increasingly complicated.

Maybe that’s why more than one in five Canadian mortgages are now handled by mortgage brokers. Consumers like you are increasingly discovering they just don’t have the time to shop from one lender to the next, trying to figure out which deal is best.

As your mortgage broker, I invite you to read through this to learn more about the concept of letting an independent, unbiased professional help you find the best-available deal on your mortgage.

Then give me a call. I’ll answer any questions you may have about my no-fee service, then do an analysis of your financial situation to determine what type of mortgage can best achieve your goals.

What is a Mortgage Broker?

Just as an insurance broker finds you the best deal on insurance, a mortgage broker finds you the best deal on a mortgage. Rather than working for one financial institution, I’m independent and deal with several different financial institutions.

This allows me to offer you more choices and more competitive rates. It also means my advice is impartial and based on whatever is in your best interest.

Let an expert take care of getting you a better rate. Because I study mortgage rate markets and have direct access to several different lenders, I can offer you highly competitive rates that are among the best available. And, while you may not enjoy negotiating with financial institutions, that’s my specialty.

I’ll make sure you get the most attractive rate currently on offer. I can shop dozens of lenders in the time it takes you to book an appointment at your bank. Shopping for mortgages can be time consuming and frustrating if you do it yourself. That’s why more and more Canadians are relying on mortgage brokers.

I know which lenders offer which products and can quickly short list the ones that best match your needs. You’ll end up with the best features and rate, all in one stop. Advice that’s based solely on your needs and in your best interest. Because I don’t work for any of the lenders, I won’t try to lead you in a certain direction.

After making sure I understand your needs, I’ll present you with some options and together we’ll decide
which mortgage is best for you and your financial future.

No pressure.

No ulterior motives.

Not only do I understand everything there is to know about mortgages, I can explain it in plain English.

As a mortgage broker, I’m 100% dedicated to the financing of your home. I know all about GDS, PIT, ARM, LTV, ETO, etc.  and can explain everything you really need to know in easy-to-understand terms.

So all you have to think about is enjoying an affordable new mortgage in your exciting new home! My expert, unbiased, fast service is FREE!

Even though I work for you (not the financial institution), I get paid by the financial institution (not you!). Their “finders fees”
reimburse me for bringing them creditworthy customers like you. And since these fees are similar across most lenders, there’s no incentive for me to favour one lender over another.

In very rare instances – if, for example, you have non-standard credit – a broker may charge a fee, but in the vast majority of cases, there’s absolutely no charge of any kind to you!

As your mortgage broker, I’m highly motivated to get your mortgage completed fast.

After I’ve analyzed your financial situation and goals, I shop several lenders for the mortgages that best meet your needs.

Once you and I agree on the final choice, I place your mortgage with that particular lender. Only after all the details are taken care
of and your mortgage is complete do I receive my “finders fee” from the lender. This provides strong motivation for me to keep your deal moving forward to early completion!

Even though I can usually promise a discounted rate, I only deal with first quality, brand name lenders. Most of the lenders I deal with are the same reputable, established Canadian financial institutions you’re used to. To that list, I also add some innovative broker-only lenders who offer even more attractive rates and features. But rest assured, all the peace-of-mind features you require – like CMHC or GE insurance – are fully available from me.

I’m committed to the highest ethical standards and doing everything I can to ensure your financial future is 100% secure!

Let me help you find the best deal on your mortgage. As your mortgage broker, my job is to listen to your needs and dreams. Then I find a mortgage that helps you achieve everything, simply and affordably.

Talk to me today.

Call Carol Dorn - "The Mortgage Mama" today at 250-808-5521 or email her at This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Toll Free 1-877-808-5521