No stress.
No paperwork.
No, really.

Personalized mortgage advice from a local mortgage broker? Check. An online process to streamline the boring admin? You got it. Unbiased comparison of the entire market? You can count on it.

We've got your back.
The whole way.

With our expertise and know-how, we’ll help you save time, reduce stress, and find the mortgage and lender that is right for you.
Sandra Cadavid
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From the moment I spoke with Aleem and he answered our questions in an educated and well mannered way I knew we went with the right mortgage specialist. Every week he would check in during our period of getting mortgaged, just to ease any concerns around interest rates, as well as general house hunting pressures. All in all the friend you want with the knowledge needed to coast through the mortgage market. Most check ins were either virtual or by phone. Also weekly emails. His background is in economics so he does market projections which is backed by years of experience in the mortgage field. If I had to put money on Aleem’s competency, I know I would win. And the best part is even almost 6 months after finding us a great rate and we are settling in… he’s still touching base, if not to just say hi! We have come out with a great house and a new knowledgeable friend we can count on! The best of both worlds.
Joseline Joies
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Aleem was very helpful in our fist home purchase. I appreciated the continuous and prompt follow ups. It was great to not have to worry about where we stood, and knowing we can expect an update at least once per day during subject removal period. There are so many things that you need to be aware of when you are going through the buying journey and one of the things that I found the most valuable in addition to getting us a great product and the right mortgage that suit our needs, Aleem was there to help us with the next steps and set expectations and also counsel us on how to handle wrinkles. Overall, we had a great experience and would recommend Aleem to anyone.
Aditya Sinha
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To make a long story short, we are very glad that we had Aleem in our corner. He was able to leverage his relationships through his network to help find a great lawyer to help facilitate the closing and he was really helpful in helping us get up to speed with some policies outside of the province. There were some wrinkles along the way that came up with the inspection report and some subsequent negotiations for price decreases that he was an excellent source to lean on. Throughout the entire process I would say that if there was anyone who always operated and demonstrated having our best interests at heart, it was Aleem. I would highly recommend using him and his team if you are looking for honest mortgage advice.
Judi Cameron
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Aleem has been very helpful in advising me on my upcoming mortgage renewal knowing that I may not need to switch lenders and use his services. The renewal process can be confusing enough but the current market and the volatility in rates has really made things even more daunting, but Aleem has made my options very clear for me, and he’s provided some suggestions that I have never thought about. I do appreciate the out of the box thinking, and would definitely recommend Aleem to anyone who requires mortgage renewal advice. I have also been considering purchasing an investment property and Aleem has provided some great initial insight and was able to help me with some numbers so that I know what I’m working with. Overall whether you are looking to purchase a property and need a mortgage or if you are refinancing or renewing, I would highly recommend Aleem and his team.
Shafin Damani
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Aleem and I have known each other for a few years now. He has helped me and family with quite a mortgages now. He is really knowledgeable, he really works hard and gives you straight answers to help you get the best. Really satisfied with his approach! The process of working with him is pretty convenient too. He has some simple portal systems set up that made it easier to know what I needed to provide him, I like it, it was clear, simple and efficient. I get regular (weekly) check up calls plus he is available if I have an queries, great guy to chat too! The staff are great too, they are very responsive, overall I have no complaints from his service, professionalism, and the end deals! Getting a mortgage is already stressful, but his team made it really easy for me. You definitely want to chat with this guy before getting your mortgage!
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Great Mortgages,
Made simple

LET ME HELP YOU GET THE HOME OF YOUR DREAMS

 

Low Mortgage Rate

The Mortgage Specialist understands that finding the right mortgage rate is crucial for your financial well-being. Our dedicated team of expert Mortgage Brokers in British Columbia and Vancouver is committed to helping you secure the lowest mortgage rate possible.

A Mortgage Broker You Can Trust

Our commitment to trust goes beyond words. We prioritize your best interests above all else. We understand that your mortgage is not just a financial transaction; it’s a pivotal step towards achieving your dreams, securing your future, and building wealth.

Simplicity Meets Speed

With The Mortgage Specialist, you’ll experience a mortgage process that is both simple and speedy. Your financial well-being is our priority, and we’re dedicated to making your mortgage journey as smooth as possible.

You Get The Mortgage Experience, Supported By A Team You Can Trust

How Can I Help?

MORTGAGE SERVICES

Mortgage
Purchasing

Let’s be honest, not many people can pay for their home in cash… Most people will need a mortgage to purchase real estate.

Our process starts with a 20-minute phone call. Often times, we can address 99% of your questions & concerns, and we can tell you how much of a mortgage you’d qualify for.

Mortgage
Refinance

It might seem strange, but you might actually be able to save money by refinancing your mortgage… Depending on the rate environment and your contract, I can help you figure out if it makes financial sense for you to refinance. Even with the fees & penalties – you could save thousands.

Mortgage
Renewal

If you are planning on renewing your mortgage with your current lender, you may be leaving money on the table. We can negotiate a better deal. You may also want a new mortgage product upon renewal, and we will show and guide you how to choose the mortgage that suits your future goals.

Debt Consolidation
Mortgage

Do you want to use your mortgage to consolidate your debt to manage your credit cards, car loans, taxes, or any other high interest bills? When executed well, alongside a short – and long-term plan, debt consolidation loans can help you reduce your overall debt burden while freeing up cash flow.

Sepration or Divorce
Solution

The truth is that divorce is difficult and stressful enough on its own. And when living arrangements, mortgages and financial instability start to pile up, it becomes a disaster. Don’t go into your divorce or separation with your eyes closed… You should be prepared for every financial thing that your partner could throw your way.

Mortgage Special
Servicese

In addition to our normal offerings, we have special programs for special situations. Learn more about our 10-Year Mortgage Rates, Mortgages For Heroes, & our Mortgage Adoption Process.

 

Best Mortgage Rates

How Can We Offer Low From The Get Go Rates?

The Mortgage Specialist brokers excel at negotiating on your behalf. We advocate for the best terms and conditions, ensuring you receive a mortgage that aligns with your financial goals and interests.

Commission free experts

Our Mortgage Brokers in British Columbia and Ontario are driven solely by your best interests. They are not influenced by commission incentives, ensuring that the mortgage solutions they recommend are genuinely in line with your unique financial situation and goals.

Trustworthy Partnership

We value the trust you place in us as your mortgage advisors. Our commission-free experts are dedicated to building long-lasting relationships based on trust, transparency, and your financial success.

Expert Advise

What our customers are saying:

Sandra Cadavid
See more reviews...
Read More
From the moment I spoke with Aleem and he answered our questions in an educated and well mannered way I knew we went with the right mortgage specialist. Every week he would check in during our period of getting mortgaged, just to ease any concerns around interest rates, as well as general house hunting pressures. All in all the friend you want with the knowledge needed to coast through the mortgage market. Most check ins were either virtual or by phone. Also weekly emails. His background is in economics so he does market projections which is backed by years of experience in the mortgage field. If I had to put money on Aleem’s competency, I know I would win. And the best part is even almost 6 months after finding us a great rate and we are settling in… he’s still touching base, if not to just say hi! We have come out with a great house and a new knowledgeable friend we can count on! The best of both worlds.
Joseline Joies
See more reviews...
Read More
Aleem was very helpful in our fist home purchase. I appreciated the continuous and prompt follow ups. It was great to not have to worry about where we stood, and knowing we can expect an update at least once per day during subject removal period. There are so many things that you need to be aware of when you are going through the buying journey and one of the things that I found the most valuable in addition to getting us a great product and the right mortgage that suit our needs, Aleem was there to help us with the next steps and set expectations and also counsel us on how to handle wrinkles. Overall, we had a great experience and would recommend Aleem to anyone.
Aditya Sinha
See more reviews...
Read More
To make a long story short, we are very glad that we had Aleem in our corner. He was able to leverage his relationships through his network to help find a great lawyer to help facilitate the closing and he was really helpful in helping us get up to speed with some policies outside of the province. There were some wrinkles along the way that came up with the inspection report and some subsequent negotiations for price decreases that he was an excellent source to lean on. Throughout the entire process I would say that if there was anyone who always operated and demonstrated having our best interests at heart, it was Aleem. I would highly recommend using him and his team if you are looking for honest mortgage advice.
Judi Cameron
See more reviews...
Read More
Aleem has been very helpful in advising me on my upcoming mortgage renewal knowing that I may not need to switch lenders and use his services. The renewal process can be confusing enough but the current market and the volatility in rates has really made things even more daunting, but Aleem has made my options very clear for me, and he’s provided some suggestions that I have never thought about. I do appreciate the out of the box thinking, and would definitely recommend Aleem to anyone who requires mortgage renewal advice. I have also been considering purchasing an investment property and Aleem has provided some great initial insight and was able to help me with some numbers so that I know what I’m working with. Overall whether you are looking to purchase a property and need a mortgage or if you are refinancing or renewing, I would highly recommend Aleem and his team.
Shafin Damani
See more reviews...
Read More
Aleem and I have known each other for a few years now. He has helped me and family with quite a mortgages now. He is really knowledgeable, he really works hard and gives you straight answers to help you get the best. Really satisfied with his approach! The process of working with him is pretty convenient too. He has some simple portal systems set up that made it easier to know what I needed to provide him, I like it, it was clear, simple and efficient. I get regular (weekly) check up calls plus he is available if I have an queries, great guy to chat too! The staff are great too, they are very responsive, overall I have no complaints from his service, professionalism, and the end deals! Getting a mortgage is already stressful, but his team made it really easy for me. You definitely want to chat with this guy before getting your mortgage!
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Our Recent Blog Posts:

FAQ - Frequently Asked Questions

What Does A Mortgage Specialist Do?
  • A mortgage specialist works with you, the loan originator, to obtain the best mortgage for you. A mortgage that works for you and meets your needs, not the banks.
  • A mortgage specialist is an independent mortgage advisor who does not work with just one bank or housing lender, s/he has relationships with many. Based on your needs, a mortgage specialist will go over your goals and your needs with you, and will use this information to identify the best lending product for you.
  • A mortgage specialist know the mortgage market better and will then share this information with you, and will provide you with the most relevant lending options for your situation. Based on this information we will give you expert mortgage advice service and select the right mortgage for you.

The short answer is no.

Most of the time, the mortgage provider that you select to go with, through your mortgage broker, pays your specialist mortgage broker a referral fee. There are costs associated with setting up a mortgage, and these costs and fees are discussed as part of the process. Costs such as legal and closing costs. All borrowers are responsible for these costs.

There are occasions when a mortgage broker will charge you a fee. These occasions involve special circumstances, such as working with a lender that does not compensate the mortgage broker. These costs and fees should always be discussed up front, and agreed upon, before pursuing any of the related financing avenues.

A mortgage broker is better than a bank in the sense that a mortgage broker will help you with securing a better mortgage with a bank.

If you go straight to the bank without the assistance of a mortgage specialist you might get a raw deal. Apart from the fact that the mortgage process might be a bit complex, which normally with any kind of loan – consumer credit check, any existing loans, your job, education, resume, payment history and many other requirements, a home loan application is a specialist job if you are to get a very good deal.

The mortgage loan specialist will know what to do and advice you accordingly rather than just going straight to the mortgage lending bank. Mortgage specialists would know where to find you the best percentage rate, which mortgage lenders are best to approach with your credit history or home equity if you have one, etc. So it is in your best interest as a home buyer to use a mortgage loan specialist to select the best mortgage lenders.

When using the services of a mortgage advisor, when it comes to how they get paid there is no typical broker fee because there are varying out of pocket costs for the set up and closing of your mortgage and property. However, which you should be aware of well in advance of your closing.

But as far as how much a mortgage advisor costs, well we have to back track a little bit and get an understanding of the way that the mortgage industry works.

The price of the service is built into your mortgage rate, no matter what. That’s right, even if you are going in to your bank and using a mortgage advisor in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate.

The price of the service, the loan amount, is built in to your mortgage rate, no matter what.

Here is an illustrative example. If you are going in to your bank and using a mortgage advisor or loan officer in branch, or you are using a mortgage specialist from a bank, who is paid on commission and not a salary, or a mortgage broker, who has access to more than just one bank and one lending product, the cost of the service is built into the pricing of your mortgage rate.

The way it is all set up is like this; your bank branch that you go to, let’s call it ABC bank. While it is all the same bank, under the same umbrella. When you go to ABC bank and do a mortgage application, what ABC bank does is forward that mortgage application to ABC mortgages. It is the same company, under the same umbrella, but a different faction of the bank. Essentially it is operated as a totally separate arm.

There are several reasons why you would use a mortgage broker. One of them being that there are many lenders that can only be accessed through the use of mortgage brokers, with products that offer the flexibility that should be important to consumers. Not only do you get the flexibility, but you also get a competitive rate.

The presence of these lenders keep the banks honest. Let’s face it, every lender is in it to make money, and the more you pay on your financing costs, the better it is for their bottom line.

IF there are say, only 5 options to choose from, the market is less competitive, and typically you will see that prices are set higher. However, if there are 100 to 1000 options, then you will see that there may not be as wide a spread among the prices and that there is a lot more competition. The more choice you have, the more on your toys your service providers have to be – which is typically great news for the consumer.

When mortgage brokers first came on the scene, many years ago, the thought was that they were only there to help you get financing when you were desperate and your bank turned you away. This may have been true over 40 years ago.

Today, thanks to mortgage brokers, we have access to a competitive marketplace. Yes, that is right. Mortgage brokers keep the industry competitive by their very nature. By bringing options and choice to the consumer, it forces the banks to remain competitive for your business.

There are many lenders that can only be accessed through the use of mortgage brokers, with products that offer the flexibility that should be important to consumers. Not only do you get the flexibility, but you also get a competitive rate.

What you need to take to a mortgage broker varies depending on the individual policies and procedures. For us, the best place to start is with a 20 minute phone call. You do not need anything.

If we get to it, the most skill testing question we will be asking you is what is your SIN. The rest of the information you should have available at the tip of your tongue.

During this initial call we are often able to address 99% of your questions or concerns. You can even walk away from the call knowing how much you can qualify for, and what the best down payment amount will be for you.

This is a question that we have to break the rules and answer by first asking a clarifying question.

When using the term “broker” what are we referring to? The term can be used to refer to a realtor (real estate broker), or a mortgage broker. In either case, the answer is NO, you do not need a broker to buy a house. Just like you do not need a lawyer to go to court and fight your case. Nor do you need a travel agent to book your trip. You can also say the same thing about a mechanic, to change your brakes.

There is a reason that these professionals are around, and there is value that they provide. The simple answer is, if you see the value that they present, then you hire their services.

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