Planning to buy a home?

⚡ In 20 Seconds

Most offers come with a 5-day financing condition

• A pre-approval isn’t fully underwritten by the lender

— it’s not a confirmed approval

We underwrite your file upfront based on what the lender will approve

— so it gets approved in time

You’ll have closing costs — this helps reduce them by up to $1,300

and earn $200–$800 each time someone you refer uses it

You can earn rewards before you buy to offset your costs
and continue earning after to recover what you paid over time

• Land transfer tax

• CMHC

• Lender fees

Prefer to walk through this first?

👉 Book a call

🔎 Choose Your Situation

• Buying with traditional income

• Self-employed or business owner

👉 This applies to both — the difference is how your mortgage is structured, and it’s explained below

🧠 The Problem Most Buyers Don’t See

Most buyers don’t realize what actually happens after they make an offer

You typically have about 5 days to confirm your financing

— this is called the financing condition

A pre-approval is not a confirmed approval

Your file still needs to be fully underwritten by the lender
after your offer is accepted

In many cases, an appraisal is also required — and that has to be completed within the same timeline

So everything needs to be approved within that same 5-day window

If it doesn’t, the deal can fall through — even if you were pre-approved

⚠️ What’s Actually at Risk

• Your deal can collapse

• Your deposit can be at risk

• You can lose the home you were about to buy

🔍 Why This Matters

This is where most buyers get caught off guard

Not because it’s complicated
— but because it’s rarely explained clearly

🔄 What This Actually Comes Down To

• Choosing the right lender

• Structuring the deal properly

• Getting fully underwritten in time

👉 That’s what determines whether your deal goes through — or falls apart

🧠 How We Reduce This Risk

We prepare and structure your mortgage before you buy
— so when you make an offer, your financing is already positioned to be approved on time

That means:

• Documents collected early

• File structured upfront

• Lender matched strategically

So when you submit an offer, your financing isn’t being figured out — it’s already prepared

⚠️ The Trade-Off

The lowest rate is not always the safest option

Chasing the lowest rate can cost you the deal entirely

Saving 0.05%–0.25% on rate is minimal

Compared to losing your deposit — or the home you were trying to buy

🎯 The Better Approach

We optimize for:

• Approval certainty

• Speed

• Fit — with the right lender and mortgage structure for your long-term financial goals

Getting this wrong can cost far more than any savings from a lower rate

Then we optimize pricing within that — not before

🧠 The Real Advantage

This isn’t just about getting your mortgage approved
— it’s about how it’s structured before, during, and after you buy

1. Before You Buy

Lock in your $1,300 reward now — valid for up to 5 years before it reduces

Plan early → structure properly → match the right lender

Improve your credit profile and align your mortgage with your financial goals

2. When You Buy

Use your $1,300 reward and any rewards you’ve earned before closing to reduce your upfront costs

3. After You Buy

Continue earning rewards to recover the costs you paid over time

• Work toward land transfer tax

• Work toward CMHC (if applicable)

Your mortgage is continuously tracked against the goals you set — with alerts when rates, timing, or opportunities align

So instead of those costs being gone, you have a clear way to earn them back over time by helping others get the same benefits

🧾 What This Can Look Like

🏡 Example: $500,000 Purchase

• Legal fees + disbursements (~$2,000–$2,500)

• Appraisal (~$400–$600)

• Land transfer tax (~$12,950)

👉 These are real costs most buyers pay upfront

Before You Buy

👉 You can lock in $1,300 toward your closing costs

Rewards are funded from the lender commission — not added to your mortgage

If you refer a few people before you buy:

• ~$500 per referral

• 3 referrals → ~$1,500

• + $1,300 reward

👉 ~$2,800 total available

A large portion — or in some cases most — of your closing costs can be offset
— using rewards earned before and after your purchase

After You Buy

Most people assume these larger costs are gone once they’re paid

Land transfer tax, CMHC, and other upfront expenses are typically paid out of pocket
— with no expectation of getting them back

We approach it differently

➡️ Land transfer tax (~$12,950)

➡️ CMHC (if applicable)

By referring people you already know, you can earn a portion
— or even all — of these costs back over time

These rewards are funded from the lender
— not added to your mortgage or increasing your costs

For example:

• ~5 referrals → ~$2,500 earned

Most people already know enough people without trying
Friends, coworkers, neighbours — anyone who owns a home or is planning to

You decide how much you want to recover — and work toward that over time
Instead of those costs being gone, you have a clear path to earning them back

🏦 When a Bank Mortgage Makes Sense — and When It Doesn’t

Banks can be a great option — when your file fits their guidelines cleanly

That usually means:

• Straightforward income

• Strong ratios

• No timing pressure

But when your situation is more complex — a traditional bank mortgage is often not the right fit

💡 A bank mortgage isn’t special on its own
— it’s most effective when strategically structured as a collateral charge, re-advanceable mortgage

• to maximize tax write-offs, build wealth, and provide income and asset protection

We can still get you a bank mortgage through the broker channel

If the best fit is staying with your current bank — even one outside the broker channel — we’ll guide you step-by-step so you get the right product and structure, not just what’s offered by default

If you want to understand how this applies to your situation, we can walk through it with you

The key is choosing the right lender for your situation — not defaulting to one

⚠️ Self-Employed or Business Owner?

If your income isn’t straightforward, your mortgage needs to be structured differently
— and it’s much harder to get approved within a financing timeline

The challenge isn’t the lender
— it’s knowing how to structure your file based on what each lender actually wants to see

• Income needs to be interpreted and presented correctly

• The file must meet strict underwriting requirements

• And it all needs to be completed within a short window

This is where most deals fall apart — especially with a 5-day financing condition

If that happens, your deposit is at risk — and you can lose the home

🎯 What Makes The Difference

Experience in structuring and underwriting these files
— so your income is positioned in a way lenders will approve

Your file isn’t just submitted
— it’s built around what that lender needs to see

💡 The Advantage of Alternative Lending

• Approval based on bank statements or cash flow instead of taxable income

• Potential for significantly higher buying power

In some cases, buying power can increase by $900,000+ compared to traditional lenders

⚠️ The Trade-Off

These solutions often come with a ~1% lender fee

Example:

• $500K mortgage → ~$5,000 lender fee

For self-employed clients, the goal isn’t avoiding the extra cost
— it’s having a clear way to recover it

🔄 Your Options

If this applies to you, there are three ways to handle that cost:

Option 1 — Pay It Traditionally

Pay the lender fee at closing

You still receive up to $1,300 to reduce your closing costs

Option 2 — Offset Early

Refer a few people before closing

• ~$200–$800 earned per referral

Use those rewards to offset part of the lender fee after closing

Option 3 — Recover Over Time

Refer people after closing to continue earning toward your costs

Work toward recovering part
— or even all — of that $5,000 lender fee over time

Once that’s covered, you can continue earning toward larger costs like land transfer tax

Most clients already have networks — clients, friends, and business contacts
— making this achievable without going out of your way

🔍 Ongoing Mortgage Monitoring

Most people only hear from their bank or broker when their mortgage is up for renewal

By then, most opportunities have already passed

When you work with us, your mortgage is continuously tracked against the goals you set

You’re alerted when something changes

— rates, timing, or opportunities that could impact your strategy

So instead of waiting 3–5 years to review your mortgage

You’ll know when it actually makes sense to act

So you’re not reacting late — you’re acting at the right time

🤝 Working With Realtors & Lawyers

If you’re already working with a realtor, we coordinate directly to structure your deal and get it approved on time

If not, we can introduce you to realtors who understand tight financing timelines

The same applies to lawyers

— we work with professionals who understand these files and move quickly when it matters

When everything is aligned — mortgage, realtor, and lawyer

— the process runs smoothly, with fewer delays and clearer communication

A smooth experience naturally leads to referrals

— creating ongoing opportunities, not just a single transaction

Most realtors, lawyers, and clients choose to work closely with us once they see how it works

Know someone buying, renewing, or refinancing?

👉 They can lock in up to $1,300 toward their closing costs

Lock in your $1,300 reward — before it reduces over time

Start building additional rewards before you need your mortgage

• Takes less than 30 seconds

• No obligation

• Valid for up to 5 years

Lock it in now — and decide how to use it later

Prefer to walk through it first? Book a call