Lowest Mortgage Rates

How can Calgary Mortgages.com obtain better mortgage rates than the banks?

This is a reasonable question.

There are two key answers:

1. Mortgage brokers must successful pass an extensive training course in order to be licensed in most provinces. Consequently, the mortgage applications that we send in are prepared properly, we do all the paperwork involved, and our applications have a high success rate.
The lenders are not expending their resources on training extra personnel and on processing the application.

2. Our mortgage office deals with over 75 mortgage lenders (view list of lenders), including all of Canada's major banks, as well as other mortgage providers such as insurance companies, investment groups and other home loan lenders. In effect, the lenders are competing with each other by offering the lowest rates through us. In addition, our mortage office alone processes thousands of mortgage transactions per year. As a consequence, we are able to negotiate the lowest possible mortgage rates for our mortgage clients.

John Smith Mortgage is Canada's preferred mortgage broker.