Why use a broker
based in Niagara?

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Two of our most common questions include: “why should I use a mortgage broker?” and “why should I choose a broker in Niagara?” 

So, why should you use a mortgage broker?

Mortgage brokers are independent, licensed professionals who build businesses on finding you the best rates for your mortgage. As most mortgage brokers are not directly affiliated with a big bank, they work with a variety of traditional and less conventional lenders. Chartered banks, trusts, insurance companies and private funders include some of the options a mortgage broker will help you consider until the best rates are found.

What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing. The Canadian mortgage industry is competitive, and choosing the wrong solution can cost thousands of dollars. That’s where our team of experienced, trained professionals comes in.

The simplest answer is rates. Mortgage brokers based in the area you’re looking at purchasing a home within will be better acquainted with the regional marketplace you’re entering. Additionally, mortgage brokers will have built in expertise when approaching lenders – they’ll know what type of financing each lender prefers. Variables like a lender’s interest rates and mortgage type preference can fluctuate with economic circumstances and portfolio size. Mortgage brokers stay current with a variety of different lenders, and knows which institution is currently offering the most attractive solutions.

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly. Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.

And – why a broker based in the Niagara Region?

Top Ten Reasons to Use a Mortgage Broker

  1. Up to Date
    Up to date on all mortgage rates, terms and re-payment options available on the market
  2. Expertise
    We only specialize in mortgages and are knowledgeable on current trends
  3. Help Lower Rates
    We increase competition in the mortgage supplier marketplace, which helps keep rates low
  4. Savings
    Mortgage brokers help save you time – and money!
  5. Vested Interest
    Brokers have a vested interest in satisfying your needs. Our business is built on your success and referrals.
  1. Access
    … to different lenders, banks, trust companies, investors and financial institutions
  2. Pre-Approvals
    Fast credit and loan pre-approvals with no cost or obligation
  3. MatchMakers
    We’re specialists in finding your best-suited mortgage
  4. Wholesale Rates
    Get mortgage rates at wholesale, guaranteed up to 120 days
  5. No Obligations
    We work for you – NOT the big banks!

How can we help you?


We support our customers every step of the way, helping to make sure you are taken care of always.

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CHIP Reverse Mortgages

The financial solution designed to help homeowners 55 years+ retire securely.

First Time Buyers

Ready to find your first home? Our team is assembled and ready to walk you through the mortgage process - and your front door.

Private Mortgage

Having a tough time getting the financing due to poor credit? We can likely help you out.

New to Canada?

Mortgage financing for permanent or non-permanent citizens looking to own a home in Canada.


Unlock some of your home equity for debt consolidation, escaping high rates or other important needs.

Self Employed?

Mortgage solutions for self-employed individuals who lower their taxable income via write-offs and deductions.

Hear from Happy Homeowners

“As first time home buyers, we were nervous going into the process of purchasing a home but Steve made the process so simple and was so good at explaining everything to us! Very knowledgeable and awesome to work with! Thank-you, Steve!”
Andrew Marshall

“I believe you have done the best for us and we are very happy with the service you gave us You met all our expectations. We could not ask for any more. Thanks, we are happy and sure will use your service when we renew our mortgage next year.”

Raoul Bernashawi

“We recently renewed our mortgage with Steve. Not only was he easy to deal with, but very knowledgeable on the products and was able to provide us with exactly the feature we were looking for. I would not hesitate to recommend him.”

Liliana Ruggi