Why Choose Us
We believe that every customer deserves the best care and service when purchasing or refinancing the home of their dreams. We’re here to serve your mortgage needs and have what it takes to make a difference in your next mortgage transaction.
With access to over 50 of Canada’s Top Lending institutions, we can place all types of mortgages including purchases, refinances, equity takeouts, debt consolidations, renewals and mortgages for self employed. Call us today and get a free quote and overview of current market conditions affecting the mortgage market!
Why Use A Broker
Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs.
Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What’s more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.
Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.
There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.
Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.
• Access to different lenders, banks, trust companies, investors and financial institutions.
• Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)
• They are experts at matching you with the best-suited mortgage.
• Get mortgage rates at wholesale, guaranteed up to 120 days.
• They work for YOU, not the bank.
• Up-to-date on all the mortgage rates, terms and re-payment options available on the market.
• They only specialize in mortgages and are knowledgeable on current trends.
• They increase competition in the market place, thus keeping rates low.
• They save you time and money!
• Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.
In addition to rates, because mortgage-based financing is the broker’s primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue. This kind of knowledge not only results in the most favourable rates for each project, but often whether a project is funded at all.
Interest rates are a concern to borrowers. Because of their daily contact with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers.
These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution’s portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.
A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.
Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result.
You don’t call an insurance company for insurance – you use an insurance broker, because of their expertise, product knowledge and rates. So remember, call your mortgage broker first!
The lenders who work with mortgage brokers include traditional sources, such as chartered banks, trust companies, as well as corporate and private pension funds.
In addition to these sources, brokers often develop professional relationships with private sources of funds, termed private lenders. These lenders can provide many various mortgage products not available at conventional sources.
What Our Clients Are Saying
Thank you again for the amazing job you did. Without your professional combing from both yourself and “junior” I don’t think I would have been able to get through the last week and a half, leading up to close.
Thank Again for a Job Well Done!
There’s something special with this company. Phenomenal people with great energy. My brother and I had the pleasure to work with The Denova Group team recently. They found us a great rate for us on a unique mortgage. They guided us through the whole process and made sure everything went as smooth as possible.
Thank you for taking the time to follow up with me. I am proud to say that we obtained our keys yesterday and are now on our way….
It will be my pleasure to refer your services to my colleagues and friends whenever the opportunity presents itself.
I wish you and your team all the best in your future endeavors and look forward to working with you in the future.
Tim & Gloria
Hi Gabriel, Sandra,
Looks like everything with the mortgage transfer went through successfully last week.
I want to thank you both for all of your assistance with getting this done is a shortened time frame.
We wanted to get a mortgage through our bank but came across your website on the internet. Are we ever glad we did. We saved literally tens of thousands of dollars and the whole experience was a breeze.
Hi Gabriel, Just want to say thank you so much for helping out my husband and I with our mortgage. It has been a pleasure working with you! We will be in touch!
I want to thank you for what you have done for my family. Your service is greatly appreciated and we will look back on this with appreciation for years to come. We are very happy. We won’t forget all the effort you put in, and all the questions you answered. From my family to yours, thank you kindly! See you in a few months
As a new home buyer mortgages were completely foreign to us and using the agent at the bank left us feeling out of the loop and unaware of the details of the mortgage. A few years later for our refinance we used Michelle and we were not disappointed at all. Her knowledge of the products available for our specific needs is extensive and her willingness to accommodate our incredibly unpredictable work schedule was much appreciated. There really aren’t enough words to express how much we appreciate all the work that Michelle did for us, we would recommend her to everyone!
Thank you! It was a pleasure working with you and the team. Looking forward to the years to come. I will be referring friends and family for their mortgage needs.
Excellent service, great rates and attention to detail. You walked us through everything so there were no surprises at all. We’re grateful that we found your services! Highly recommended for sure.