209-755 McGill Road

Kamloops, BC V2C 0B6

You want it all. The best available rate with the right features so you can live comfortably with your mortgage and pay it off in record time. If you want the perfect mortgage, you need to shop around. That’s my strength. I offer access to over 50 of Canada’s leading lenders, including major banks, credit unions, and private lenders. I research for you, finding you the best mortgage across multiple lenders.

Your Bank, as great as they are with your day-to-day banking, may not be the best choice for your mortgage because they represent just one available lender. Access to lender choice is one difference between getting a mortgage from a Bank vs a Broker. Here are more:


Your Mortgage Broker

Your Bank

Mortgage Rates

Mortgage brokerages negotiate discounted rates with lenders, and
have access to rate promotions and specials.

The Bank sets rates. If there’s a better deal in the
marketplace, you’ll have to find it yourself.


Your Mortgage Broker works for you, not any one lender.

Mortgage specialists are there to build business for the Bank.


Brokers can access mortgages for the self-employed and those
with past credit issues.

It isn’t easy to get a mortgage for certain client situations.


The winning lender pays your Broker for the services and
solutions provided.

Mortgage specialists are paid and incented by the Bank.

Ongoing Service

Brokers offer ongoing advice after your mortgage closes, i.e. how
to pay off your mortgage faster, power down debt, finance renovations or
invest in property.
There have been many regulatory
changes, so it’s essential to have access to a mortgage expert.

No proactive, ongoing advice is typically provided. You will get
an annual mortgage statement.

At Renewal

Your Broker will go to bat for you again to make sure you have
the best deal possible.

You may not be offered the best deal initially, requiring you to
proactively contact the Bank to negotiate.

Getting a mortgage is a very significant financial event. That’s why you want someone highly specialized in the mortgage marketplace and focused solely on your needs. 

Read 8 Tips Your Bank Won’t Give for more mortgage strategies.

Get in touch for advice that is relevant to your situation.

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