There isn't a one size fits all. Depending on where, what, how and when you're buying - the answer to this question may vary. It also depends on your unique financial circumstances. What works for your friends, family or neighbours, might not be the right strategy for you.

Rate is obviously important. It is, after all, the price of the mortgage. But what trade-offs in mortgage terms and features might you be making to get a "cheaper" mortgage? Sometimes the mortgage with the lowest rate can cost you more than a mortgage with a higher rate!

We'll help you understand (in clear and simple English) if your mortgage has portability, assumability, the monoline calculation of the IRD, pre-payment options, bona fide sales clauses, unnecessary collateral charges, cash-back clawbacks and more...

You should have a mortgage that is custom to your future plans and your short term goals. Sometimes just knowing that an option exists is the hardest part.

Conrad and his team run such an efficient process. I couldn't have been happier with their response times!

M. Farthing

Saying that Conrad "knows his stuff" would be an understatement. There's no one I'd rather go to for answers.

S. Boyd

Conrad knows how to break down hard concepts to a level I can understand and feel confident in.

A. Lothian