Your Guide to Common Questions
We provide answers to your most common queries regarding all of our mortgage solutions and services available.
Why should I use a mortgage broker instead of going directly to a bank?
A mortgage broker works on your behalf, not a single lender’s. We compare options across banks, credit unions, and alternative lenders to secure competitive rates and terms, while handling the process from application to funding — often faster and with fewer obstacles than dealing with a bank directly.
Does it cost me anything to work with a mortgage broker?
In most residential cases, our services are paid by the lender you choose, not by you. We’ll always be transparent if a fee applies, particularly for specialized or commercial financing, so there are no surprises.
Will applying through a broker affect my credit score?
We aim to minimize the impact on your credit by structuring applications carefully and only submitting to appropriate lenders. A single, well-managed credit check is typically all that’s required to explore your options.
How long does the mortgage approval process take?
With the right information, approvals can happen in as little as a few hours to a few days, depending on the complexity of the file and the lender involved. Our technology and proactive underwriting help prevent unnecessary delays.
Can you help if I’m self-employed or have a complex financial situation?
Yes. We regularly help self-employed borrowers, business owners, investors, and clients with non-traditional income or credit challenges. Our access to a broad lender network allows us to structure solutions that banks often decline.