The big banks have fewer options when it comes to mortgages and, as evidenced by their profit, saving consumers money isn’t the priority. Banks often have conservative loan programs with few options.

You have to fit into their program versus getting the right loan for you. Banks don’t have to disclose commissions and can sell you a higher rate to make more money without disclosing this fact. You need an alternative to big 6 banks.

Vertuity Mortgage is an independent mortgage broker working for the individual. Vertuity Mortgage finds the best mortgage rates and saves you time and money with a simple, hassle-free mortgage process. Along with our strong team of realtors and financial planners we offer you a whole home buying experience.

With big banks you’re going to find out how much of a relationship you really have with your bank. It’s often hard to get approved at banks because of tight restrictions on qualifying. You’re not going to get any help with your credit at a bank. They aren’t going to work with you to improve your credit score over time. Personal service isn’t a strength with the major banks.

Vertuity Mortgage has access to over 40 different lenders and typically works with 5-10 lenders to meet a client’s needs. It’s a matter of who has the best products in the industry to help the client the most. Vertuity is a local company but is part of a national mortgage franchise that creates great “buying power”. It allows Vertuity to obtain lenders rock bottom lowest interest rates upfront without any need for negotiating. It often means Vertuity can get you a lower mortgage loan rate than you could from anyone including your own bank.

Low-rate, low fee mortgages

Buying a home is one of the biggest financial decisions you’ll make. You need the right mortgage and the right mortgage broker. Vertuity Mortgage finds the best low rate, low fee mortgages available. Vertuity leverages its relationships with top banks and brokers across Canada to get you the best mortgage offers possible. Vertuity Mortgage is the alternative to big 6 banks.

Simple, easy-to-understand process

Getting a mortgage doesn’t have to be complicated. From our first conversation to closing your loan we make it easy. Vertuity Mortgage has developed a simple and quick mortgage process to guide you through. Let us do the heavy lifting. Before you know it you’re closing the loan and making your moving arrangements.

No Cost to the Consumer

Vertuity Mortgage is an independent mortgage broker. It’s not tied to any one lender or a range of products. If you have good credit and can qualify for a mortgage there is no cost to you. Vertuity Mortgage is compensated through a finder’s fee by the lender based on the mortgage amount. The consumer is not charged up front and Vertuity Mortgage only gets paid when a mortgage is completed.

Preferred Vendor Program

We have strong ties in the real estate community and can help with all aspects of your home. Vertuity Mortgage has relationships with top realtors, lawyers, insurance agents, movers, contractors, cable companies, furniture stores and more. Our Preferred Vendor Program puts you in touch with experts to help make your home buying process easy and enjoyable.

Vertuity Mortgage is your alternative to big 6 banks.  We provide the knowledge, education and personal service you need.