Mortgage Recovery

WHY THIS EXISTS

To work toward earning back the costs you paid on your mortgage with us — including land transfer tax, CMHC, mortgage penalties, and lender fees

HOW IT WORKS 🏡

STEP 1 — SHARE 👥

Share this with someone you know

• They get up to $1,300 toward their closing costs

• You earn when they complete their mortgage

STEP 2 — EARN 💰

When someone you share this with completes a mortgage

• They receive their closing cost reward

• You earn rewards (typically $200–$800 per referral)

💡 Funded from the lender commission — no added costs to your mortgage

STEP 3 — RECOVER 🔄

Once you start earning rewards:

• List the costs you’ve already paid on your mortgage with us

• Use your rewards to work toward getting those costs back

Examples include land transfer tax, CMHC, mortgage penalties, and lender fees

STEP 4 — GROW 📈

Your rewards continue growing over time

• What you don’t use now can be used toward your next mortgage

• Over time, this can build into meaningful savings

HOW MUCH YOU CAN USE NOW

As your rewards grow, you can use more of them

Typical Milestones:

$500 → use $350 now, $150 remains

$1,000 → use $700 now, $300 remains

$1,500 → use $1,050 now, $450 remains

$2,000 → use $1,400 now, $600 remains

👉 As a mortgage client, you can use a larger portion of your rewards

REAL EXAMPLE

Here’s what this can look like in practice

🏡 Based on a $500K purchase in Toronto:

• $12,950 in land transfer tax (LTT)

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 recovered

📈 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 recovered

📈 Meaningful progress toward this cost

Lock In Your $1,300 Closing Cost Reward

Lock it in now — decide later

No obligation. Takes less than 30 seconds