Mortgage Strategy Backed by Global Interest Rate Expertise
Mortgage Recovery
Earn money back on costs you've already paid
WHY THIS EXISTS
To help reduce the cost of your mortgage after it’s already been set
Some mortgage costs are paid upfront and are typically not recovered
— such as land transfer tax, mortgage insurance (CMHC), lender fees, and penalties
This system allows you to earn those costs back over time —
which in some cases can be substantial
Available when your mortgage is completed with us
HOW IT WORKS
STEP 1 — SHARE 👥
Share this with people you know
• They get up to $1,300 toward their closing costs
• You can also lock in your own $1,300 reward
STEP 2 — EARN 💰
When someone you share this with completes their mortgage with us
• You earn about $200–$800
💡 Funded from the lender commission — no added costs to your mortgage
STEP 3 — RECOVER 🔄
Use rewards to work toward costs you’ve already paid
STEP 4 — GROW 📈
Rewards add up over time
HOW YOUR REWARDS ARE USED
Each reward is split — part can be used now, while the rest remains in your rewards account for future use
Typical Milestones
$500 → get $350 now, $150 remains
$1,000 → get $700 now, $300 remains
$1,500 → get $1,050 now, $450 remains
$2,000 → get $1,400 now, $600 remains
🏡 Example based on a $500k purchase in Toronto:
• $12,950 paid in land transfer tax
This becomes your recovery goal
Rewards are earned when mortgages are completed with usover time
5 Referrals (~$2,500)
➡️ $1,750 used toward land transfer tax
➡️ $750 remains in your rewards account
🎯 Land Transfer Tax Goal: $12,950
💰 $1,750 cash rebate
📈 You’ve started working toward this cost
10 Referrals (~$5,000)
➡️ $3,500 used toward land transfer tax
➡️ $1,500 remains in your rewards account
🎯 Land Transfer Tax Goal: $12,950
💰 $3,500 cash rebate
📈 Meaningful progress toward this cost
Most people start by working toward one cost — and recover more over time
Share → Earn → Save
Lock it in now — decide later
No obligation. Takes less than 30 seconds
Valid for up to 5 years
Already have a mortgage?
Most mortgages go unwatched after they’re set
We monitor yours — and let you know when something is worth acting on
🔗 Set up Mortgage Monitor →