A bank offers only their mortgage products. As a licensed Mortgage Broker in Canada, Mahsa Ehtemam shops the market across 50+ lenders (including major banks, credit unions, and monoline lenders) to find you the absolute best rate and terms for your specific purchase or refinance needs.

The renewal letter from your bank rarely offers their best rate. It's designed for convenience. If you refinance (switch lenders), we can often secure a significantly lower rate or better terms. We handle all the paperwork to switch seamlessly without interrupting your payments.

In a competitive Canadian market, speed matters. We can get a full approval in as little as 14 days, and we provide a same-day pre-approval letter so you can shop with confidence.

Absolutely. This is one of the most common refinance strategies in Canada. If you have built equity in your home, we can consolidate high-interest credit cards and loans into one low monthly mortgage payment, saving you thousands in interest.

For properties under $1M, the minimum down payment is 5% (for the first $500k) and 10% for the portion above $500k up to $1.5M. For properties over $1.5M, a minimum 20% down payment is required. We will guide you through the exact numbers based on your situation.

Yes. While banks often make it difficult for business owners due to income fluctuations, we have access to "Stated Income" and "Alt-A" lenders specifically designed for self-employed Canadians. You don't need a traditional T4 to buy or refinance.