As a Mortgage Associate, I offer one-stop convenience and impartial advice. Different financial Institutions and Lenders offer a wide range of mortgage rates, terms, and conditions. By shopping wisely, I can find the mortgage that best suits your financial needs. As your Mortgage agent I will help you understand how different rates, terms and conditions can affect the lifetime cost of your home, your monthly payments and financial flexibility . By presenting your requirements to a variety of Canada's major Lenders, your mortgage can be secured at lower than advertised rates, usually within hours and most often free of charge (oac).