FAQs

Mortgage agents work with individuals to find and secure the best mortgage options available, acting as intermediaries between borrowers and lenders.

While you can go directly to a bank, a mortgage agent works for you, not a specific lender. They can shop around with multiple lenders to find you the best mortgage rates and terms tailored to your financial situation, potentially saving you time and money. 

In most common scenarios, especially when securing a mortgage with a major bank (often called an "A lender"), it does not cost you anything directly to use a mortgage agent. We are typically compensated by the lender once your mortgage closes.

However, in more complex situations, such as those involving alternative ("B lenders") or private lenders (e.g., for self-employed individuals with less traditional income, or those with unique credit situations), there might be a fee charged to the borrower. Any such fees will always be fully disclosed to you upfront and in writing before you commit to anything.