Let's start by understanding where you are

What is your mortgage situation?

Pick the case that looks most like yours. We'll narrow it down on the call — no rate shown, no automated decision.

Renewal
My renewal is within 12 months
Before you re-sign your bank's first offer — you know it well — we look at what other lenders actually propose for your profile.
Self-employed
T2125 / dividends / income via inc.
Banks often say no by default. A broker who knows how to read your real numbers (not just your line 23600) knows the lenders who do finance.
Newcomer
Less than 5 years in Canada
No full Canadian credit history yet? Work permit? First property? Several lenders have dedicated programs. A broker who knows them changes everything.
Home purchase
First or next, browsing or offer signed
Pre-approval, lender choice, conditions, closing at the notary. A broker who takes the time to read your file — not a bank rep pushing a single product.
Mortgage transfer
My current mortgage is coming up
Transfer at maturity (no penalty), or earlier with a penalty: a broker computes what's actually worth it for your case, with the real numbers.

Your situation isn't in the list?

Refinance, second mortgage, private lender, rental property, reverse mortgage — we have a dedicated page for files that fall outside the standard cases.

See atypical files