Mortgage Strategy Backed by Global Interest Rate Expertise
How the Mortgage Rewards System Works
Reduce your mortgage costs — starting with up to $1,300 toward closing costs
👉 Lock it in, share it, earn rewards — and use them when you need them
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 — even if you’re not planning a mortgage today
👉 You can simply lock in your $1,300 now — no need to refer anyone
👥 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
👉 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 mortgage costs
🧭 4. Choose How to Use Your Rewards
Use them toward your mortgage, build toward reducing major costs, or access a portion early as they grow
👉 You decide how to use your rewards as they build
What Your Referrals Can Be Worth
Rewards are earned when someone you refer completes a mortgage
Most referrals are typically $200–$600
• 1 referral: $200–$600
• 3 referrals: $600–$1,800
• 5 referrals: $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
Most clients use their rewards toward their mortgage — others choose recovery or early access
🏠 1. Use Them Toward Mortgage Savings
Use your rewards to reduce your mortgage costs — upfront or over time
For example:
• closing costs
• lowering your interest rate
• mortgage penalties
• future refinancing or renewal costs
📈 2. Recovery — Reduce Major Costs Over Time
For clients who complete their mortgage with us, rewards can be used to help offset major upfront costs from that mortgage over time
For example:
• mortgage default insurance (CMHC, Sagen, Canada Guaranty)
• land transfer tax
• lender fees
👉 This gives you a way to work toward offsetting those costs over time — instead of leaving them as one-time expenses
Explore the Recovery Program →
🔓 3. Early Access — Unlock a Portion Sooner
As your rewards build, you can access a portion early — without needing to wait until your next mortgage
Available to all clients as your rewards build
This gives you a way to receive part of your rewards as cash now, while the rest continues growing
👉 See how Early Access works →
Where the Rewards Come From
When your mortgage is completed, the lender pays a commission
A portion of that commission is used to fund rewards
👉 There’s no additional cost to your mortgage
This Is a Long-Term System
This is not a one-time reward — it’s designed to help reduce your mortgage costs over time
👉 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.
👉 Lock it in now and use it when you need it