 One Stop Mortgage Corp. »
Residential mortgages, finance services in British Columbia and Alberta.
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 Canadian Home Income Plan »
Provider of reverse mortgages for senior homeowners. Presents company profile, success stories, tools, French translation. Offices in Toronto, Vancouver and Montreal.
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 Invis Inc. »
National brokerage firm with corporate office locations across the country. Includes resources on home financing loans and refinancing, current rates, mortgage calculators and consultant directory.
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 The Donohue Financial Group »
Brokers offering a range of residential financing options. Presents consultant biographies, services, rates, online application. Located in Kingston, Ontario.
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 Sue Palmer - 1st Class Mortgages »
1st Class Mortgages
- Arranges lending through institutions and private lenders. Includes rates, client testimonials, details on specialty financing. Locations in Victoria and Surrey, British Columbia.
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 Ambro & Associates Mortgage Consultants LTD »
Network of independent loan professionals. Features broker profiles, financing options, survey of rates. Offices in Vancouver and North Vancouver, BC.
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 Bowden Mortgage Services »
Full service broker offering both customized home loans and private funds. Features the broker's profile plus rates, FAQs, and online application. Based in Vernon, BC.
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 Sharon Roblin - The Mortgage Group »
The Mortgage Group
- Broker in Kamloops provides residential financing. Presents her profile, services and client testimonials.
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 Canadian Mortgage Capital Corporation »
Offers brokerage and advisory services plus private, higher risk mezzanine and equity loans. Presents details on each product. Offices in Toronto and Cambridge, Ontario.
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 Wildwood Capital Inc. »
Toronto-based broker for commercial and residential properties. Includes details on loan types and international financing.
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 Centum »
National franchise of independently owned brokerages. Features company overview and credentials plus information for franchisees. Headquartered in Vancouver, BC.
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 Capital Direct Lending »
Home equity loans and mortgages for Canadians, with offices in several cities.
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 Mortgage Makers Inc. »
Brokerage offering loans for home purchase, debt consolidation and equity takeout. Features mission, services, staff, rates. Located in Edmonton, Alberta.
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 Consumers Choice Mortgages Inc. »
Independent brokerage specializing in residential loans. Features services, broker profiles, rates, calculators. Based in White Rock, BC.
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 Benvest Financial Group »
Mortgage broker providing real estate financing in Toronto.
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 A.K.Mortgage Plus Inc. »
Arranges residential and commercial mortgage financing. features news, glossary, online application. Based in Surrey BC.
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 Mortgage Intelligence »
GMAC affiliate provides customized lending solutions from offices across the nation. Includes programs, corporate directory, news, FAQs, list of lending institutions.
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 Quick Response Mortgages »
Broker offering financing, refinancing, renewals and debt consolidation. Features team members, FAQs, rates, loan types. Based in Regina, Sask.
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 Mortgage Architects »
Canadian-owned brokerage firm. Features list of top lenders, corporate directory, details on programs offered. Located in Mississauga, Ontario.
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 The Mortgage Group »
Provides residential financing. Features company history, searchable directory of brokers, employment opportunities. Headquarters in Vancouver BC.
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 Merrill Lynch »
Provides financing for commercial and industrial real estate properties in Canada.
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 Cove Mortgage Ltd. »
Private lending firm. Features company overview plus services for lenders, investors and brokers. Based in North Vancouver BC.
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 Centum LendingMax Corp. »
Offers broker services across the nation. Includes client testimonials, FAQs, rates, online application. Based in Kelowna, BC.
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 Genesis Associates Ltd. »
Mississauga-based brokers offer a variety of home financing and debt consolidation services. Includes details on program types.
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 Empire Mortgage Funding Corp »
Provider of home financing services. Includes tips, tools, rates, company overview, preferred lender list. Headquartered in Toronto, Ontario.
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 Mid-Island Mortgage & Savings Ltd. »
Lending specialists offering loans from several locations in British Columbia. Features broker profiles, company overview, FAQs. Main office in Nanaimo.
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 Creative Mortgage Corporation »
Broker specializing in residential financing. Includes FAQs, company profile, online application. Located in Kelowna, BC.
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 Marg Scott - Invis »
Invis
- Specialist in home loans. Features broker profile, client testimonials, online application, current rates, list of lenders. Located in Calgary.
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 Fair Mortgage Solutions Inc. »
Broker working with buyers, lenders and investors. Includes staff directory, details on programs and closing costs, downloadable documents. Based in Hamilton, Ontario.
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 Canadian Mortgages Inc »
Provides mortgage financing options for residential and commercial properties in Canada.
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 Brunswick Loan Acceptance »
Financial lending institution specializes in serving sub-prime credit customers. Features company overview and opportunities for investors. Based in Moncton, New Brunswick.
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 First National Financial LP »
Provider of commercial and residential financing services. Features product information, company qualifications, investor relations, FAQs. Branch offices across the nation.
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 League Savings and Mortgage »
Provides residential financing throughout the country. Includes services, tools and worksheets, corporate profile, downloadable forms. Offices in Halifax, Sydney and Moncton.
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 Mckay Mortgages, Inc. »
Lenders of private funds. Features services, online application and details on investment. Located in Aurora, Ontario.
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 Mortgage Opportunities »
Halifax brokers offering loans for residential and commercial properties. Includes programs, process, glossary, FAQs, checklists.
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 Mortgages In Canada »
Offers mortgage rates in Canada. Helps people with buying, refinancing, or renewing their mortgage.
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 Gibraltar Mortgage »
Mortgage banker offering residential and commercial financing. Includes lending services, investment opportunities, company overview, news. Offices in Calgary and Edmonton.
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 Karin Hoehn - Invis »
Invis
- Consultant offers financing, refinancing and debt consolidation. Includes benefits of using a broker, FAQs, online application.
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 Laurie Baird - Mortgage Intelligence »
Mortgage Intelligence
- Consultant providing broker services. Includes her profiles, customer testimonials, rates, programs.
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 Canada Mortgage and Housing Corporation »
National housing agency provides loan insurance, mortgage-backed securities, housing policy and programs, and housing research. Features corporate profile, library, news, annual report.
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 Pioneer West Acceptance Corporation »
Offers a range of financial solutions for residential and commercial properties. Presents services, FAQs, staff profiles. Based in North Vancouver, BC.
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 FirstLine Mortgages »
Offers home loans through independent brokers and lenders. Includes career opportunities, staff directory, tools. Based in Toronto.
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 Ontario Mortgage Action Centre »
Mortgage company offers full-service mortgage financing.
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 Gregory Stanley - Home n Work Mortgages »
Home n Work Mortgages
- Consultant provides residential financing options. Includes his credentials plus programs, FAQs, tips and testimonials. Located in Vancouver Island, Victoria.
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 United Mortgage Group Ltd. »
Network of independent brokers. Includes financing options, broker profiles, online application. Based in Vancouver, BC.
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 Lighthouse Mortgage Corp »
Brokerage dedicated to finding low rates for clients. Presents consultant profiles, FAQs, advantages of using a broker, non-resident information. Located in Duncan, BC.
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 True North »
Alberta mortgage broker
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 MortgageLand Inc. »
Independent lender providing first and second home loans. Includes rates, consumer information, company overview, online application. Based in Markham, Ontario.
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 MCAP »
Provider of residential, commercial and construction loans plus equipment financing. Features corporate profile and history, rates, employment, French translation. Offices throughout the country.
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 Garibaldi Mortgage »
Brokerage firm located in Whistler, BC. Features list of lenders, downloadable home buyers' guide, rates, online application.
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 Consolidated Mortgage Corporation »
Licensed brokering company offers loans for purchase, refinance and home improvement. Includes rates, client testimonials, application process, financing for non-residents. Located in Victoria, BC.
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 Cathy Trewin - Upper Canada Funding Inc. »
Upper Canada Funding Inc.
- Offers financial consulting services in the Durham and Toronto regions. Includes lending rates, online application, broker's credentials.
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 Penmor Mortgage Investment Services »
Provides mortgage investment services. Located in Vancouver.
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 Troy Alexander & Bruce MacLeod - Select Mortgage Corp. »
Select Mortgage Corp.
- Team of brokers providing home purchase loans, renewals and refinancing. Features products, lenders, broker profiles, client testimonials. Based in Victoria, BC.
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 The Equitable Trust Company »
Toronto-based firm offering loans for single family, multi-unit and commercial properties. Features corporate profile, management team, news, downloadable documents.
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 Homefund Corporation »
Toronto-based firm specializing in home financing and refinancing. Features details on the process including tips, tools and terminology.
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 Mike Toporowsky - Real Mortgage Solutions »
Real Mortgage Solutions
- Broker offering home loans and refinancing. Presents client testimonials, buyer checklist, FAQs, details on the foreclosure process. Based in Spruce Grove, Alberta.
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 Discount Mortgage Canada Inc. »
Brokerage company services most provinces. Features current rates, list of agents, company overview, career information. Based in Kitchener, Ontario.
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 Bill Jones - Invis Financial »
Invis Financial
- Broker assists first time and repeat home buyers with residential financing. Includes rates, FAQs, client testimonials. Based in Victoria, BC.
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 Absolute Mortgage Corp. »
Calgary-based broker offering residential financing. Includes his credentials plus available products, current rates, client testimonials.
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 Joseph Berros & Cindy M. Duncan - Mortgage Alliance Network »
Mortgage Alliance Network
- Team of brokers offering home loans. Includes products, rates, information on the refinancing and renewal processes. Based in Ottawa, Ontario.
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 The Mortgage Centre »
National brokerage provides residential financing products. Includes advice for first time buyers, tools, franchising and career opportunities. Headquarters in Toronto.
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 CanEquity Mortgage »
Canadian commercial and residential mortgages, refinancing, renewals, and debt consolidation.
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 Jeff Morris - The Mortgage Guide »
The Mortgage Guide
- Residential, commercial, and non-tradition lending. Features programs, company profile, testimonials, resources. Based in Dartmouth, NS.
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 Ron De Silva & C. Jane Barrow - Real Mortgage Associates »
Real Mortgage Associates
- Team of brokers offer residential lending services. Features articles, tools, calculators.
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 Secure Mortgage Group Ltd. »
Brokerage firm offers construction loans, debt consolidation and free consulting. Includes services, case studies, company overview. Located in New Westminster, British Columbia.
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Ask the lender or broker for a comparison of the up-front costs, principal, rate, and payments with and without this rate trade-off.
If you know that you will be moving in 3 to 5 years, you might want to consider refinancing to a 3 or 5 year ARM (adjustable rate mortgage). These loans typically have a much lower rate that a traditional fixed rate loan such as a 30 year fixed, but they do have a fixed rate for the first 3 or 5 years of the loan. This will enable you to benefit from the lower rate, but you won't ever have to worry about the risk of a rate adjustment because you will be selling the home before the fixed-rate period ends.