Mortgage Strategy Backed by Global Interest Rate Expertise
How the Mortgage Rewards System Works
A simple way to reduce your mortgage costs — starting with up to $1,300 toward your closing costs.
👉 Lock it in, share it, earn rewards — and use them when you need them
Most people just lock it in and share it with 1–3 friends — everything else builds from there
Start With the Closing Cost Reward
Lock in up to $1,300 toward your closing costs.
You can use this when you buy, renew, or refinance your mortgage — anytime within the next 5 years.
👉 No cost. No obligation. Once you lock it in, it’s reserved for you to use when you need it.
This is funded from the mortgage commission paid by the lender — it doesn’t increase your mortgage cost.
You Don’t Need to Do Anything After You Lock It In
Locking in your reward does not require:
• applying for a mortgage
• referring anyone
• making any decisions today
👉 You’re simply reserving your reward now — and can decide how to use it later.
Why Most People Claim It Now
• Takes less than 30 seconds
• No cost or obligation
• Use it anytime within the next 5 years
👉 Even if you’re not planning a mortgage yet, you can lock it in now and use it later.
The Rewards System in 4 Simple Steps
A simple system designed to help you reduce your mortgage costs over time.
🔒 1. Lock In Your Reward
Lock in up to $1,300 toward your closing costs —
you can use it anytime within the next 5 years
👉 You don’t need to refer anyone — most people simply start by locking in the $1,300
If you do nothing else, you still keep your $1,300 reward
👥 2. Tell Friends
If someone you know is buying, renewing, or refinancing,
they can lock in up to $1,300 toward their closing costs too
👉 This is what most people share — so others can lock in the same $1,300 benefit
Most people share this with 1–3 friends who are planning a mortgage
💰 3. Earn Rewards
When someone you refer completes a mortgage,
you earn rewards you can use toward your own mortgage costs
🧭 4. Choose How To Use Your Rewards
🏠 Use them later toward mortgage savings
📈 Build toward reducing major costs over time
🔓 In some cases, unlock a portion early — while the rest continues growing
👉 Most people start by locking in the $1,300 — everything else builds naturally from there
What Your Referrals Can Be Worth
On a typical mortgage, this is often around $200–$600 per referral.
What This Can Look Like
• Share with 1 person → ~$200–$600
• Share with 3 people → ~$600–$1,800
• Share with 5 people → ~$1,000–$3,000 over time
⭐ Many clients reach their first $1,000 in rewards with just a few shares.
Actual rewards vary based on mortgage size, timing, and lender compensation.
How You Can Use Your Rewards
As your rewards build, you have three simple ways to use them — depending on what matters most to you
Most clients use their rewards toward their mortgage — while others choose to build toward recovery or unlock a portion early
🏠 1. Use Them Toward Mortgage Savings
Apply your rewards directly toward reducing your mortgage costs
For example:
• closing costs
• lowering your interest rate
• mortgage penalties
• future refinancing or renewal costs
👉 This is the most common way clients use their rewards
📈 2. Recovery — Reduce Major Costs Over Time
Explore the Recovery Program to see how this works →
For clients who complete their mortgage with us, you can set a goal to reduce the impact of major upfront costs over time
For example:
• mortgage default insurance (CMHC, Sagen, Canada Guaranty)
• land transfer tax
• lender fees
👉 Instead of these being one-time costs, you can work toward earning them back over time through referrals
This works because your mortgage and rewards are structured together
🔓 3. Early Access — Unlock a Portion Sooner
Explore Early Access to see how this works →
As your rewards build, you may be able to access a portion early — while the rest continues growing toward your mortgage
👉 Early Access becomes available as your rewards build
This gives some clients a way to benefit sooner, while still keeping long-term value in place
Where The Rewards Come From
When your mortgage is completed, the lender pays a commission.
Instead of keeping all of it, part of it is used to:
• reduce your upfront costs
• reward referrals
• create long-term savings opportunities
👉 This is how the system works — there’s no additional cost to you.
This Is A Long-Term System
This Is Not a One-Time Reward
This system is designed to help you reduce your mortgage costs over time — not just once.
What Happens After You Get Your Mortgage
We help you:
• plan your mortgage strategy
• monitor market opportunities
• reduce interest costs over time
• adjust your strategy as your situation evolves
A Different Way to Think About Your Mortgage
Your mortgage isn’t just something to pay off —
it can be used as a tool to support your long-term financial goals
👉 Over time, we help you use your mortgage more strategically — not just reduce it.
Lock In Your Closing Cost Reward
Start by locking in up to $1,300 toward your closing costs.
No obligation. Takes less than 30 seconds.
👉 The only step most people take today is locking in the $1,300 — everything else is optional
Lock it in now and decide later