Mortgage agents and brokers are licensed professionals who help you find the best mortgage solution for your needs. We work with multiple lenders—not just one bank—to offer competitive rates, flexible terms, and tailored advice. Our goal is to simplify the process and get you approved with confidence.
We offer unbiased financing advice and customized mortgage solutions for clients across Canada. We don’t work for the banks—we work for you. In most cases, our services are completely free!
In most cases, we’re paid a finder’s fee by the lender you choose. This means you benefit from our service at no cost. For complex or non-traditional situations, there may be additional fees—but we always operate with full transparency. Ask us anytime!
Typically, no. For most standard mortgage transactions, our service is free to you as the borrower. If fees are involved, they will be disclosed clearly before moving forward.
Absolutely. Mortgage pre-approval gives you a clear understanding of your budget, locks in an interest rate for up to 120 days, and makes your offer more attractive to sellers.
Fixed-Rate Mortgage – Your interest rate stays the same over the term. It offers stability and predictability.
Variable-Rate Mortgage – Your rate fluctuates with the market. It can lead to savings over time but comes with some risk.
While it’s smart to do your research, a trusted mortgage broker already shops around for you. We compare rates and terms from over 50 lenders to ensure you’re getting the best deal—saving you time, stress, and money.
Yes! Refinancing can help you:
✔ Secure a lower interest rate
✔ Consolidate high-interest debts
✔ Access cash for renovations, investments, or emergencies
If you’re carrying multiple high-interest debts (like credit cards), refinancing your mortgage can combine them into one manageable payment—often at a much lower rate.
We offer:
✅ Access to multiple lenders, not just one
✅ Exclusive rates not advertised by banks
✅ Faster approvals and streamlined service
✅ Personalized advice from finance professionals
✅ No cost to you in most cases
The No Negative Equity Guarantee* ensures that if you meet your property taxes and mortgage obligations, HomeEquity Bank guarantees that the amount owed on the due date will not exceed the fair market value of your home. If the house depreciates and the mortgage amount due is more than the gross proceeds from the sale of the property, HomeEquity Bank covers the difference between the sale price and the loan amount.
Ultimately, the No Negative Equity Guarantee keeps you and your equity secure in your home. The peace of mind you get from leveraging a reverse mortgage is protected no matter the economic backdrop.
*As long as you keep your property in good maintenance, pay your property taxes and property insurance and your property is not in default. The guarantee excludes administrative expenses and interest that has accumulated after the due date.This is extremely rare. HomeEquity Bank never lends more than 55% of the home’s value for this reason. Over the past 30+ years, 99% of Reverse Mortgage holders have had equity left in their home; on average, this equity amounts to 60%. Escalating real estate value boosts the equity in the house, reducing the impact of interest charged to the mortgage principal. The homeowner keeps all the equity remaining in the home. That equity depends on the amount borrowed, the value of the house, and the time that has passed since the reverse mortgage was taken out.