1. We save you MONEY!

Just as an insurance broker finds you the best deal on insurance, a mortgage broker finds you the best deal on a mortgage. We study the mortgage rate markets and we have direct access to many different lenders. This means that we can offer you highly competitive rates that are among the best in the market.

Over 1 in 4 Canadians (7 in 10 Americans) use mortgage brokers to assist them in financing their homes. To understand why so many Canadians choose to use a mortgage broker and why they are so important to the process you have to understand firstly how the banks work. When a client walks into a bank, they are given a rate based on how strong their relationship is to the bank, by that of course we mean profitability wise; the more assets you have with the bank, the better the rate you get. In order to give these big discounts to their high value clients, every other client has to pay for it; this is referred to as a 'rate basket'. It takes several average clients to be as profitable as one high value client to the bank. This is why every client at the bank seems to get a different rate.

Mortgage brokers operate on a different model than the rate basket. At Vertuity we are given access to the banks best wholesale rates on a daily basis. Negotiating can be stressful especially when it comes to large amounts of money. We take the stress out of mortgaging your house. We do all the negotiations for you and ensure that every client of Vertuity get's the best rates available.

2. Tailored products to suit YOUR needs

We have access to all the unique products and services not always offered direct to consumers through the big banks. . Whether you are buying, selling, refinancing or looking to transfer your mortgage Vertuity can help. Mortgage companies are always looking for creative ways to grab a bigger piece of market share and are very instrumental in developing new products that allow more and more Canadians the opportunity to become home owners.
A good example of this would be mortgages for self employed individuals, in the past these clients didn't show enough income to qualify, today however, at Vertuity we have programs where the lender doesn't even look at the client's income.

3. Our service is FREE

One misconception in the market is that mortgage brokers cost money. In Canada, mortgage brokers are paid directly by the lender, so there are never any fees for our services on standard mortgage applications. And, we have extremely flexible hours to accommodate our clients. We don't "work bankers hours". We shop around each and every client’s mortgage rate so that you don't have to.

With the best rates in the market, innovative products and the type of service that you never will find at your bank, is it any wonder more and more people are using Vertuity Mortgage for something as important as the financing of their homes?
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