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After having worked for the big banks, it’s easy to recognize the failings of the Canadian mortgage industry that is geared only towards annual targets.

At RateShop we take a different approach to mortgage financing.

• We have access to all the lenders, not just a select few. This allows us to maintain a largely flexible product offering.

• As a volume brokerage, we negotiate better deals and payouts with lenders. We make more per deal, and offer deeper savings.

• Underwriting excellence means, we don’t just submit; we know how to qualify and get the deals approved. We work on the deal to structure it properly, fit it into one of the dozens of programs, so the lowest rates are available every time.

• No two mortgage applications are the same, there’s always something unique about your mortgage application so we study how to curb the issues, convince the lenders and address their concerns while negotiating the best rate.

• Nowadays, we hear more and more clients holding a commitment in their hands to deals that we’re never meant to be funded. We leave nothing to chance, a well calculated process of underwriting gets us the approvals and the ability to close.

• From beginning to end, an assigned licensed mortgage advisor works with you side by side, plus a dedicated underwriter helps you collect the information for your application to best structure the deal, both these interactions are backed by a supervisory position that oversees the correct submission, timelines and best rates from over 65+ lenders. All this activity is also leveraged by the Principal Broker review on every file.

• The biggest mistake made by mortgage seeking clients and bank employees or even brokers helping customers is incorrectly structuring the mortgage request not knowing the complete list of market products and their criteria. Our agents and underwriting teams access our resource center to find the latest programs on every lender across Canada, with real time access to relationship development managers to all lending institutions. This knowledge is the support we offer our clients. Confident knowledge in mortgage financing for every income, credit and property situation.