Your Next Move. Made Smarter.

Nothing. My service is free to you as the client. When your mortgage funds, the lender pays me broker compensation, which is the standard model for mortgage agents in Canada. In rare cases a lender may not pay compensation; if that ever applied to your file, I would disclose any fee in writing before you commit.

I am a Mortgage Agent Level 1 licensed in Ontario only, FSRA Licence M26001018, working with Centum Financial Services Limited Partnership, FSRA Brokerage Licence #13054. That means I arrange mortgages for properties in Ontario. If your property is in another province, I can explain your options and connect you appropriately rather than pretend otherwise.

We review your income, credit, debts, and down payment, then submit your file to a suitable lender. The lender confirms the amount you can borrow and holds a rate, usually for 90 to 120 days, while you shop. A pre-approval is a strong starting point, not a final guarantee, because the property must also be approved.

With complete documents, a pre-approval often returns within one to three business days, and a full approval after an accepted offer commonly takes a few business days more, depending on the lender and appraisal needs. Timelines vary, and no honest agent guarantees a date. Complete documents from day one is the biggest speed factor you control.

Start with government photo ID, recent pay stubs, an employment letter, your most recent CRA Notice of Assessment, and 90 days of statements showing your down payment. Self-employed clients add tax returns and business documents. Do not worry if some pieces are missing; our first call ends with a short, exact checklist for your situation.

Usually not. Banks apply their own guidelines, and a decline often reflects fit rather than your true creditworthiness. Other lenders, including alternative lenders available through my brokerage, assess income, credit, and properties differently. I will review why you were declined and tell you honestly whether another route exists now, or what to fix first.