Strategy Backed by Global Interest Rate Expertise

Lock In Your $1,300
Closing Cost Reward

Reduce mortgage-related costs through rewards,
recovery programs, and mortgage planning.

🔒 No obligation • Valid for up to 5 years

Lock In Your $1,300 Reward

Takes less than 30 seconds

🧩 WHY THIS EXISTS

Mortgage-related costs can add up quickly

This system was designed to help reduce mortgage-related costs through:

• closing cost rewards

• referral credits

• recovery rewards

• advanced mortgage planning opportunities

💡 Some clients use rewards toward future mortgage costs — while others use them to recover costs they’ve already paid

This may allow clients to gradually reduce future closing costs before their next mortgage is needed

⚙️ HOW IT WORKS

STEP 1 — SHARE

Share this with people you know

• They can lock in their $1,300 reward

STEP 2 — EARN

When someone you referred completes their mortgage with us:

• rewards are added to your account

💡 Funded from lender commission — not added to the mortgage

STEP 3 — SAVE

Rewards may be used toward:

• closing costs

• lowering your rate

• mortgage-related expenses

⚡ REWARDS PROGRAMS

Standard Rewards

Earn a $200 credit when someone you refer gets a mortgage with us

Preferred Rewards

Eligible clients and partners may qualify to earn a total $300 credit when someone they refer gets a mortgage with us

🔄 RECOVERY REWARDS

Eligible mortgage clients may choose Recovery Rewards instead of standard reward credits to help recover mortgage-related costs.

🏡 Example Based on a $500K Purchase in Toronto

• $12,950 paid in land transfer tax

• $20,520 paid in CMHC + tax

Example Recovery goal: $33,470

💡 Recovery goals may include eligible closing costs, land transfer tax, CMHC mortgage insurance premiums, lender fees, mortgage penalties, and other mortgage-related expenses.

👥 Recovery cash rewards for referred mortgages completed with us

• $300 cash for mortgages below $400K

• $500 cash for mortgages above $400K

💡 Recovery cash rewards continue for each eligible referral until your recovery goal is reached.

For some clients, this may allow a substantial portion — or even all — of their eligible recovery goal to be recovered over time.

ℹ️ KEY DETAILS

• Rewards are funded from lender commission

• Nothing is added to your mortgage

• Rewards vary by mortgage type and eligibility

• Some rewards are available only to eligible mortgage clients

• No cost

• No obligation

• Not a mortgage application

• Nothing added to your mortgage

• Your information stays private

WHAT HAPPENS NEXT

• You’ll receive a confirmation right away

• You can explore options at your own pace

• You decide if and when to use it

Licensed Mortgage Agent Level 2 (Ontario)

Access to 59+ lenders — including major banks, credit unions, and alternative lenders

You’re simply reserving your reward today —
and can decide later if you want to use it.