With our specialized breadth of knowledge and access to the market, our clients can be assured they are receiving objective and impartial advice that is designed to maximize their benefit, as a consumer, in the mortgage market.

Canadian mortgage holders on average break their mortgage, an estimated, 60% of the time before the maturity date.  When this happens for the fixed rate mortgage holder, you incur a financial penalty for cancelling the mortgage early.  The penalty is known as an Interest Rate Differential penalty – the condensed version is called an (IRD) penalty.

We have complied research that discusses how the Niagara Region is affected by (IRD) penalties, and studies suggest that an estimated $130,000,000/ year are the losses that the Niagara mortgage holders incur through a lack of awareness.

Our job is to make sure you select the right mortgage product, so you have flexibility with your mortgage, to keep expensive surprises to a minimum and keep your money in your pocket.