Mortgage Rewards That Help You Save

Most people start by locking in their $1,300 first —
everything else builds naturally from there

You can start simple — just lock in your $1,300 — and decide later how deep you want to go

You don’t need to use the full system to benefit

You can simply lock in your reward — and decide later how you want to use it

Most people start by locking in their $1,300 first —
everything else builds naturally from there

You can start simple — just lock in your $1,300 — and decide later how deep you want to go

You don’t need to use the full system to benefit

You can simply lock in your reward — and decide later how you want to use it

The Rewards System in 4 Simple Steps

A simple way to 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

Locking it in today gives you up to 5 years to use your $1,300 — future rewards will have less time and lower amounts

No need to refer anyone — you can lock it in on its own

👥 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 people they know – if someone comes to mind, send this so they can lock in up to $1,300 too

💰 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 — while 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 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 — get up to 5 years to use it before it’s reduced