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

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

👉 They get up to $1,300 toward closing costs — and you typically earn $200–$600 when they complete a mortgage

💰 3. Earn Rewards

When someone you refer completes a mortgage,
you earn rewards that build over time and can be applied 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

👉 This is optional — most people start by locking in their $1,300 first

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

Most clients simply use their rewards toward their mortgage —
with additional options available as your rewards grow

🏠 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

👉 Optional — something you can choose after your mortgage is completed

Use your rewards to work toward offsetting costs most people assume are permanent

Explore the Recovery Program →

🔓 3. Early Access — Unlock a Portion Sooner

👉 Optional — available as your rewards build over time

Access a portion early — 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

Backed by mortgage strategy expertise and access to 59+ lenders across Ontario

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

Most people lock this in now so they don’t lose it later

Lock In Your Closing Cost Reward

✔ No cost

✔ No obligation

✔ You’re not applying for a mortgage

Start by locking in your $1,300 closing cost reward

Takes less than 30 seconds. No obligation.

👉 Lock it in now — secure up to $1,300 and up to 5 years to use it before it’s reduced