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
🏠 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
👉 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
👉 Want to see how this works?
Explore the Recovery Program →
🔓 3. Early Access — Unlock a Portion Sooner
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
👉 Want to see how this works?
Explore Early Access →
Most clients use their rewards toward their mortgage — while others choose to build toward recovery or unlock a portion early
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.
HOW IT WORKS (IN 3 SIMPLE STEPS)
1. Lock In Your Reward
Lock in up to $1,300 toward your closing costs
2. Share With Someone
If someone you refer completes a mortgage, they receive their reward
3. Earn Rewards Over Time
You earn rewards you can use toward your own mortgage costs
👉 That’s it — nothing else required
Most people start by locking in the $1,300 — then decide later if they want to refer anyone.
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 10 people → ~$2,000–$6,000 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.
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.
WHERE YOU CAN USE YOUR REWARDS
As your rewards build, you can apply them toward real mortgage costs such as:
• closing costs
• lowering your interest rate
• land transfer tax
• mortgage default insurance (CMHC, Sagen, Canada Guaranty)
• lender fees
• mortgage penalties
👉 Over time, this can add up to thousands in savings.
RECOVERY PROGRAM
Recover Major Mortgage Costs Over Time
For clients who complete their mortgage with us, you can set a goal to recover 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.
Want to see how this works?
Explore the Recovery Program →
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.