Best Mortgage Broker in Vancouver, BC (2026):

Disclaimer

This publication is an independent, third-party comparative analysis prepared to assess the best mortgage broker options available to consumers in Vancouver, British Columbia. It is provided for informational purposes only. It does not constitute financial advice, mortgage advice, an endorsement, a referral, or a guarantee of approval, rate, or outcome. Mortgage financing is an individualized transaction, and the terms available to any borrower depend on lender underwriting, credit history, income verification, property characteristics, and prevailing market conditions at the time of application. Readers should consult directly with a licensed mortgage broker and independently verify all licensing, registration, rate, and fee information before entering into any agreement.

The evaluation that follows relies exclusively on publicly available information observed during the research window, including provider websites, publicly accessible regulatory registry records maintained by the BC Financial Services Authority, and publicly posted business listings. Operational details such as rates, lender counts, office addresses, hours, service availability, and published review totals change frequently and should be confirmed directly with each provider. Where a provider published limited public information, or where a website could not be accessed through standard automated means during the research window, this report identifies the limitation and scores conservatively rather than inferring facts that were not stated. No licensing credentials, certifications, client testimonials, guarantees, refund policies, fee schedules, or rate commitments have been fabricated or inferred.

This analysis is not affiliated with the BC Financial Services Authority, the Office of the Superintendent of Financial Institutions, the Canada Mortgage and Housing Corporation, or any other government agency or regulatory body.

Executive Summary

Identifying the best mortgage broker in Vancouver is more difficult than it first appears, because the surface signals that consumers rely on most heavily are the signals least likely to distinguish one provider from another. Nearly every broker serving the Vancouver market advertises access to fifty or more lenders. Nearly every broker describes its service as free to the borrower. Nearly every broker displays five-star reviews. These claims are largely accurate, and precisely because they are largely accurate, they carry limited comparative value.

What does vary, substantially, is the depth and verifiability of the information each provider publishes before a borrower makes contact. Some brokers disclose a registration number that can be checked against the provincial registry within seconds. Others do not. Some explain how they are compensated, including when a borrower-paid fee may apply. Others leave the question unaddressed. Some publish neighbourhood-level market context for the specific submarkets in which they operate. Others present a single page of general marketing copy. For a consumer evaluating the best mortgage companies and independent brokers available in Vancouver, these differences are the only ones that can be assessed before committing time to a consultation.

This research evaluates eight mortgage brokers and brokerages operating in or serving Vancouver, British Columbia, using a transparent 100-point framework across five weighted criteria: lender access and product breadth, licensing and regulatory trust signals, client experience and application infrastructure, cost and compensation transparency, and local market coverage and operational model. All findings derive from publicly accessible sources observed during the research window.

Key Findings

• Eitan Pinsky, Pinsky Mortgages (88/100) ranks first, supported by broad product coverage, a clearly stated downtown Vancouver office, substantive educational content, and a documented commitment to obtaining multiple competing lender bids on every file. The practice does not publish calculators or explain how it is compensated.
• Chad Watts, Watts Mortgages (87/100) ranks second, one point behind, through the combination of the most geographically specific published market coverage in the field, a fully disclosed BCFSA sub-mortgage broker licence and named brokerage relationship, and unusually candid cost disclosure on the product categories where costs are hardest for consumers to anticipate. His private lending page states indicative rate ranges, typical term lengths, lender points, and appraisal costs, and his reverse mortgage page commits to upfront disclosure of all fees. No other provider reviewed published comparable detail on alternative financing costs.
• McKay Wood, Verico Paragon MortgagePal (86/100) ranks third on the strength of the most complete licensing disclosure in the study, listing a BCFSA agent licence, an Ontario FSRA licence, and the brokerage registration number together, alongside the clearest explanation of broker compensation observed anywhere in the field, including an explicit statement of when a borrower-paid fee applies and why.
• True North Mortgage (85/100) places fourth and leads the field outright on product breadth and client-facing infrastructure, publishing live rates on every page, six calculators, a full education centre, and an online application. It is held back in this city-specific ranking by a limited Vancouver footprint and by a provincial licensing page that discloses registration numbers for Ontario and Saskatchewan but not for British Columbia.
• Geoff Lee, GLM Mortgage Group (75/100) rounds out the upper half with strong recognition signals, a well-developed content and tooling ecosystem including an online application and booking calendar, and a Vancouver office address, balanced against service promises framed as guarantees and a licence number displayed in a format associated with a different province’s regulator.

The remaining providers evaluated were Zaheed Valli-Hasham of City Wide Mortgage Services (74/100), who holds the strongest reputational credentials in the entire field but publishes the least operational and cost information; Casey Archibald of Xeva Mortgage (73/100), notable for an extensive awards record and unusually careful disclosure of which office addresses constitute official branch offices for regulatory record-keeping; and Clever Lending (72/100), a two-broker downtown Vancouver practice distinguished by seven-day posted hours and a plainly stated compensation model.

Two findings deserve emphasis before the detail that follows. First, the scores measure published information, not service quality. A broker who publishes little may deliver excellent outcomes, and the provider ranked last in this study holds the strongest award record and the largest verified review base in the field. Second, the top four scores fall within three points of one another, which reflects genuine closeness rather than a decisive gap, and the appropriate choice among them depends substantially on what a particular borrower needs.

Introduction

The search phrase “best mortgage broker Vancouver” is entered by people at very different stages of a very consequential decision. Some are pre-approval shoppers trying to establish a budget before they start viewing properties. Some are homeowners staring at a renewal notice, aware that accepting the first offer is probably a mistake but unsure what the alternative process involves. Some are self-employed borrowers who have already been declined by a bank and are looking for someone who will treat their income as legitimate. Some are homeowners aged fifty-five and older weighing whether to access equity through a reverse mortgage. These are not variations on one question. They are different questions that happen to share a search phrase.

Vancouver’s market makes each of them heavier. Metro Vancouver benchmark prices remain among the highest in Canada, which means that the difference between a competent mortgage structure and a poor one is measured in tens of thousands of dollars over a single term. The city also has an unusually high concentration of self-employed and business-for-self borrowers, particularly in trades, construction, film, technology, and professional services, whose income documentation does not fit the template that a bank branch is built to process. And a substantial cohort of Canadian mortgages originated during the low-rate period is now moving through renewal, which has pushed a large volume of borrowers into the market who had not previously shopped their financing at all.

The purpose of this report is to convert a crowded and largely undifferentiated field into an ordered, defensible comparison. Rather than asserting that one provider is superior, the analysis establishes measurable criteria, applies them uniformly, and reports the resulting scores alongside the reasoning behind them. The objective is to help a prospective borrower understand not only which provider scored highest, but why, and under what circumstances a lower-ranked provider would be the better choice for a particular file.

The methodology is deliberately conservative. It does not reward promotional language. It does not treat a large review count as a proxy for suitability. It does not penalize a broker for declining to publish a rate table, since brokered rates are lender-specific, change frequently, and are properly quoted against an individual application rather than posted as a headline. It does, however, reward clarity, verifiability, information accessibility, and the presence of structures that help a borrower understand what to expect before committing to a process.

Background: What Defines a High-Quality Mortgage Broker in Vancouver

A high-quality mortgage broker can be identified by several observable characteristics that do not depend on subjective impressions or on outcomes that cannot be verified in advance.

Lender Access and Genuine Product Breadth

Lender access is the structural advantage a broker holds over a single bank branch, and nearly every broker states it. What distinguishes providers is whether the stated access translates into a described product range. A broker who documents how a self-employed file is built, what an alternative or B-lender scenario looks like, when a second mortgage is preferable to a refinance, and how a reverse mortgage differs from other equity release options is demonstrating something more than a lender count. Breadth matters because Vancouver borrowers frequently fall outside the standard insured purchase profile, and the value of a broker rises in direct proportion to how far outside it they fall.

Verifiable Licensing and Regulatory Standing

Mortgage brokering in British Columbia is a registered activity. A broker who publishes a registration number, names the brokerage under which they operate, and makes both checkable against the provincial registry is offering the consumer a verification pathway that costs nothing to use. This is not a formality. The registry discloses registration status, expiry dates, the designated individual responsible for a brokerage, and any conditions or restrictions in place, including whether a brokerage is authorized to handle trust funds. A provider who omits the registration number is not necessarily deficient, but the omission transfers a verification burden onto the consumer that other providers have already discharged.

Client Experience and Application Infrastructure

Application infrastructure includes a secure online application pathway, calculators that allow a borrower to model payments and affordability independently, documented descriptions of the process and what documents will be required, accessible answers to common questions, and a clear method of booking a consultation. The practical effect of good infrastructure is that a borrower arrives at the first conversation informed, which shortens the process and reduces the likelihood of a mismatch between expectation and outcome.

Cost and Compensation Transparency

Brokered mortgage compensation is unfamiliar territory for most borrowers. On the large majority of prime residential files, the lender pays the broker and the borrower pays nothing directly. On alternative and private files, that arrangement often does not hold, and a borrower-paid fee, lender points, or both may apply. A broker who explains this distinction in advance is removing the single most common source of unpleasant surprise in the brokered channel. Transparency here also extends to prepayment penalties, which are frequently the largest unanticipated cost a mortgage holder encounters, and to the total cost picture on products such as private financing and reverse mortgages where the headline rate is only part of the expense.

Local Market Coverage and Operational Model

Vancouver is not a single market. Financing a Kitsilano condo, a Mount Pleasant duplex, an East Vancouver detached home, and a Coal Harbour investment unit involve materially different lender appetites, valuation considerations, and down payment thresholds. A broker who demonstrates knowledge at this level of resolution is offering something a national call centre cannot. The operational model matters alongside the coverage: a mobile or virtual broker, a storefront brokerage, and a national branded operation each carry distinct trade-offs in accessibility, continuity, and the likelihood that a borrower deals with one consistent person from application through funding.

Industry and Regulatory Context: British Columbia Mortgage Brokerage Standards and Consumer Protections

Mortgage brokering in Vancouver operates within overlapping provincial and federal frameworks, and 2026 is a year of unusual regulatory significance in British Columbia.

The BC Financial Services Authority and the Transition to the Mortgage Services Act

The BC Financial Services Authority is the provincial regulator responsible for registering and supervising mortgage brokers and sub-mortgage brokers in British Columbia. It maintains a publicly searchable registry that allows any consumer to confirm a brokerage’s legal name, business name, business address, designated individual, registration expiry date, the sub-mortgage brokers registered under it, and any conditions or restrictions applied to the registration. A commonly listed condition, appearing across many of the brokerages reviewed for this report, concerns authorization to handle or maintain trust funds. Consumers should understand that such a notation is a routine regulatory designation reflecting the scope of a brokerage’s authorization rather than an adverse finding.

British Columbia is currently completing a substantial modernization of this framework. The Mortgage Services Act received Royal Assent in November 2022 and comes into force on October 13, 2026, at which point it repeals and replaces the Mortgage Brokers Act. The accompanying Rules and Regulation were approved in July 2025. The reform originated in recommendations from the 2019 Expert Panel on Money Laundering in B.C. Real Estate and the 2022 Cullen Commission report, both of which identified the existing statute as a vulnerability within the province’s anti-money-laundering framework.

The practical changes are material. Registration is replaced by licensing, with defined licence levels and categories. The Act establishes a Superintendent of Mortgage Services and grants the regulator rule-making authority it did not previously hold. Licensees face explicit obligations to take reasonable care in verifying the identity of parties to a mortgage transaction and to report suspected fraud or illegality. Every brokerage must nominate a principal broker. Enforcement powers expand considerably, with penalties for unlicensed activity reaching $250,000 for individuals and $500,000 for non-individuals. Existing registrants must complete mandatory transition education before the in-force date in order to continue operating.

Three categories come into force on October 13, 2026: dealing in mortgages, trading in mortgages, and administering mortgages. The mortgage lending licence category, which most directly captures lenders themselves, has no announced in-force date. For consumers, the immediate practical implication is that registration details published on a broker’s website during 2026 may be superseded by licensing details after the transition, and verification against the regulator’s own records remains the reliable method.

Federal Oversight and Qualification Standards

Federally regulated lenders operate under Guideline B-20, issued by the Office of the Superintendent of Financial Institutions, which establishes residential mortgage underwriting expectations including the minimum qualifying rate commonly known as the stress test. For uninsured mortgages, the minimum qualifying rate is the greater of the contract rate plus two percentage points or 5.25 percent. OSFI states that it reviews this framework at least annually.

Two changes materially affect Vancouver borrowers. Effective November 21, 2024, OSFI no longer expects lenders to apply the prescribed minimum qualifying rate to uninsured straight switches at renewal, meaning a borrower moving an uninsured mortgage to a new federally regulated lender without increasing the loan amount or extending the amortization is not required to requalify at the stress-tested rate. A parallel exemption applies to insured mortgages. This removes a long-standing structural disadvantage that had effectively locked renewing borrowers in with their existing lender. Separately, effective December 15, 2024, the insured mortgage price cap rose from $1,000,000 to $1,499,999, and thirty-year insured amortizations were extended to all first-time buyers and all purchasers of newly built homes. In a market where the Metro Vancouver benchmark for detached housing exceeds the cap while much of the condominium and townhome stock sits below it, both changes carry direct consequences for buyer strategy.

It is worth noting that the stress test applies to federally regulated lenders. Provincially regulated credit unions and private lenders are not subject to Guideline B-20 and may apply different qualification standards, which is one of the substantive reasons a borrower who does not qualify at a bank may still qualify elsewhere through the broker channel.

Consumer Protections

The Financial Consumer Agency of Canada oversees the consumer-protection obligations of federally regulated financial institutions, including disclosure requirements attached to mortgage products. Borrowers should be aware that prepayment penalty calculations vary substantially between lenders, that the interest rate differential method used by most chartered banks frequently produces a materially larger penalty than the three-months-interest method more common among monoline lenders, and that this difference is often invisible at the point of sale while becoming very visible at the point of an early payout. Mortgage default insurance through the Canada Mortgage and Housing Corporation or a private insurer is mandatory where the down payment is less than twenty percent, and the premium is added to the principal rather than paid separately in most cases.

Provincially, the property transfer tax, the first-time homebuyer exemption thresholds, and the newly built home exemption all affect closing costs in British Columbia and should be modelled before an offer is made rather than discovered at completion.

Service Delivery Models

Distinguishing among delivery models is useful because they affect both the borrower experience and the appropriate basis for comparison. An independent broker operating under a national brokerage network provides a single consistent point of contact with access to that network’s lender panel. A national branded brokerage provides standardized process, published pricing, and retail locations, typically with a team-based rather than individual relationship. A multi-broker boutique provides depth of coverage with the possibility of handoff between partners. A mobile or virtual broker eliminates the office visit entirely and conducts document collection and lender submission digitally. None of these models is inherently superior. Each serves a distinct preference, and a fair comparison accounts for the model a provider has chosen rather than penalizing it for not being something else.

Intake, Consultation, and Contract Standards

Sound brokerage practice generally involves a documented discovery conversation covering goals, income structure, credit position, and timeline; a credit review conducted with the borrower’s knowledge; a comparison of lender options with the reasoning made explicit; disclosure of the compensation arrangement; and a commitment presented in terms the borrower can evaluate before signing. Providers who publicly describe this sequence help borrowers enter the process with realistic expectations. This report treats the presence and clarity of such descriptions as a positive operational signal while maintaining neutral framing and avoiding any claim about the outcomes a given provider achieves.

Methodology

Selection Universe

The selection universe was drawn deliberately from providers appearing beyond the first page of Google search results for the target keyword. This approach avoids amplifying providers that already hold strong first-page search authority and surfaces operating practices a typical consumer would otherwise overlook. Four providers were supplied for evaluation at the outset of the research. Four additional providers were identified independently from second-page and third-page results and from publicly accessible regulatory registry records. Chad Watts of Watts Mortgages was designated in advance as the focal subject of the evaluation.

Each provider included was required to meet baseline criteria. The provider must actively operate in or serve Vancouver, British Columbia. It must offer professional mortgage brokerage services. It must demonstrate operational transparency through a discernible service area, contact pathway, and booking or inquiry mechanism. It must present clear service descriptions and sufficient public information to support a structured evaluation. Where a provider fell short of a criterion, the shortfall is identified explicitly within its profile and reflected in conservative scoring rather than inference.

Eight providers met the threshold: Chad Watts of Watts Mortgages, McKay Wood of Verico Paragon MortgagePal, True North Mortgage, Eitan Pinsky of Pinsky Mortgages, Geoff Lee of GLM Mortgage Group, Zaheed Valli-Hasham of City Wide Mortgage Services, Casey Archibald of Xeva Mortgage, and Clever Lending. All eight maintain a Vancouver service presence and offer professional mortgage brokerage services. The degree to which each satisfied the transparency and information-depth criteria varied considerably, and that variation is captured in the scoring.

Data Sources

Data were collected from publicly accessible sources only. The primary sources were the providers’ own websites, which supplied service descriptions, lender access claims, stated experience, contact information, application pathways, published tools, and any disclosed licensing or compensation details. Regulatory registry records maintained by the BC Financial Services Authority were consulted to confirm brokerage legal names, business addresses, designated individuals, registration expiry dates, and posted conditions or restrictions for several providers. Regulatory context was drawn from BCFSA materials on the Mortgage Services Act transition, OSFI publications on the minimum qualifying rate, and federal announcements concerning insured mortgage parameters.

One material limitation applies to the focal provider. The Watts Mortgages website returns a robots directive that disallows standard automated retrieval. Its published content was therefore assessed through indexed page content, publicly accessible search records, and third-party publications rather than through direct page retrieval. This is disclosed rather than smoothed over, and where a category could not be confirmed with the same confidence applied to other providers, the conservative score was assigned.

No private data, paid databases, or non-public records were used. All sources are consolidated in the References section at the end of this report.

100-Point Scoring Framework

The framework distributes one hundred points across five weighted categories. The weighting reflects the relative importance of each category to a consumer comparing brokers on the basis of publicly available information in a city-specific context.

Lender Access and Product Breadth (25 points). This category evaluates the following: the stated size and composition of the lender network, including whether it encompasses chartered banks, credit unions, monoline lenders, and alternative or private sources; the range of mortgage products and scenarios described, spanning purchase, renewal, refinance, equity access, investment property, and specialized categories; the depth with which non-standard borrower profiles are addressed, particularly self-employed and business-for-self, newcomers to Canada, bruised credit, and complex-income files; the treatment of specialized products including reverse mortgages, second mortgages, bridge financing, and construction or draw-advance financing; and whether product descriptions convey working knowledge or merely list category names.

Licensing, Compliance, and Trust Signals (20 points). This category evaluates the following: whether a specific registration or licence number is published and is checkable against the provincial registry; whether the brokerage under which the broker operates is named; the consistency of business name, address, and contact details across the website and third-party records; the presence of policy pages including privacy, terms, and complaint procedures; and independently verifiable recognition such as industry awards, association membership, or documented professional history. This category does not award points for unverifiable assertions, and it does not treat a large published review count as a substitute for regulatory disclosure.

Client Experience and Application Infrastructure (20 points). This category evaluates the following: the availability of a secure online application pathway; the presence and usefulness of calculators, including payment, affordability, and jurisdiction-specific tools such as property transfer tax; the clarity with which the process, timeline, and document requirements are described; the accessibility of answers to common borrower questions through an FAQ, glossary, or education resource; and the ease of booking a consultation, including whether scheduling is self-service.

Cost and Compensation Transparency (15 points). This category evaluates the following: whether the provider explains how it is compensated and under what circumstances a borrower-paid fee would apply; whether indicative rates or a rate reference are published, and whether any published figures are dated or qualified; whether the costs of alternative, private, and reverse mortgage products are disclosed beyond the headline rate, including points, appraisal fees, and typical term structures; and whether prepayment penalties and mortgage features beyond rate are explained. This category does not penalize a provider for declining to publish a full rate table, since brokered pricing is lender-specific and application-dependent, but it does reward any substantive disclosure that reduces cost uncertainty for a borrower.

Local Market Coverage and Operational Model (20 points). This category evaluates the following: the presence and specificity of Vancouver-focused content, including neighbourhood or submarket detail; whether local market data is referenced and dated; the clarity of the stated service area and physical or operational presence in Vancouver proper; the coherence of the delivery model and whether it is explained to the borrower; and the availability and clarity of stated hours, meeting options, and contact methods.

The ranking logic specific to Vancouver follows from these weights. Lender access and product breadth carries the greatest weight because the broker channel’s central value proposition is the ability to place a file that a single institution would decline, and Vancouver’s borrower mix makes that capability unusually consequential. Local market coverage is weighted at twenty points, higher than a generic evaluation would assign, because this is a city-specific ranking and a provider’s relevance to a Vancouver borrower is a substantive criterion rather than a tiebreaker. Licensing and client experience are weighted equally and substantially, reflecting that verification and process friction are the two obstacles a borrower encounters before any financial outcome is determined. Cost and compensation transparency receives the smallest share, not because it is unimportant but because the practice of not publishing rates is industry-standard and defensible, which compresses the achievable range within the category.

A provider ranks highly when it combines a genuinely broad and clearly described product offering with verifiable regulatory standing, accessible intake, meaningful cost disclosure, and demonstrated relevance to the specific market in which the borrower is transacting.

Ranked Comparative Table

The scores reflect publicly available information observed during the research window and should be read alongside the individual profiles, which explain the reasoning behind each category result and identify where information was limited.

Individual Provider Reviews

1. Eitan Pinsky, Pinsky Mortgages — 88 / 100

Website: pinskymortgages.ca Registered Brokerage: Pinsky Mortgage Experts Inc., operating as Origin Pinsky Mortgages Registry Details: Designated individual Eitan Geoffrey Pinsky; business address 550 – 2608 Granville Street, Vancouver, BC V6H 3V3; registration expiry 8 September 2027; condition noted regarding trust account authorization Phone: (778) 990-8950 Stated Experience: Team expertise since 2007 Model: Multi-broker Vancouver practice with named team members

Overview

Pinsky Mortgages is a Vancouver-based practice operating from a Granville Street office in the South Granville area, with a team structure that includes named brokers beyond the principal. The practice positions itself around education and process rather than rate leadership, and its published content reflects that emphasis. A distinguishing operational commitment appears on the renewal page: the practice states that every mortgage it places is supported by at least three competing lender bids on rate, options, and flexibility.

Best For

Borrowers who want to understand the mechanics before making a decision, particularly first-time buyers encountering closed versus open structures and fixed versus variable trade-offs for the first time. Homeowners at renewal who suspect the incumbent lender’s offer is not competitive and want a documented comparison. Borrowers weighing whether breaking an existing term is worth the penalty. Refinancing and debt consolidation files.

Strengths

Educational content is substantive rather than decorative. The first-time buyer page explains the practical difference between closed and open mortgages, including why closed products typically carry lower rates and how prepayment privileges still permit accelerated payoff, and frames the fixed versus variable decision around personal risk tolerance and budget certainty rather than rate prediction. The renewal page states the widely cited observation that roughly seventy percent of homeowners return renewal forms without asking questions and explains why penalty calculation makes the break-versus-keep decision more complex than a rate comparison.

The three-bid commitment is a process guarantee that is specific and checkable, and it addresses the central question a borrower has about broker value.

Regulatory standing is confirmable through the provincial registry, including business address, designated individual, and registration expiry, even though the licence number does not appear prominently on the site itself.

Product coverage spans residential mortgages, pre-approvals, refinancing, debt consolidation, home equity lines of credit, investment properties, purchase plus renovations, self-employed financing, and renewals and transfers, with a resources section maintained through 2026.

Vancouver specificity is present in the content, with references to Kitsilano condominium purchases and East Vancouver detached refinancing, and a clearly stated Vancouver office address.

Trade-offs and Watch-outs

Cost and compensation disclosure is the weakest element. The site does not explain how the practice is paid, whether a borrower fee ever applies, or under what circumstances. For a practice that otherwise emphasizes education, this is a notable omission.

Homepage marketing copy references indicative rate levels, including a statement that fixed rates sit under four percent. Rate references embedded in marketing copy age poorly and can mislead a reader who encounters the page months after it was written. A dated rate page would be preferable to an undated figure in prose.

No calculators were identified, which is a gap relative to most of the field.

Some site copy carries a promotional register that sits awkwardly against the educational positioning, including quoted savings figures attributed to unnamed clients and urgency framing around booking before market volatility.

The registry lists a condition regarding trust account authorization. As noted in the regulatory section, this is a common designation reflecting scope of authorization rather than an adverse finding, but consumers should understand what it means rather than encountering it unexplained.

Service and Operational Transparency Notes

Office address, phone, email, and team identification are published and consistent with registry records. Blog content carries visible publication dates, which supports currency assessment. Disclaimers on published articles state that content is educational and that services are subject to approved credit, which is appropriate practice.

2. Chad Watts, Watts Mortgages — 87 / 100

Website: wattsmortgages.ca Brokerage: TMG The Mortgage Group Canada Inc. Licence: BCFSA Sub-Mortgage Broker Licence #142612 Phone: (778) 773-6631 Email: chad@wattsmortgages.ca Stated Experience: 15+ years, Metro Vancouver Lender Network: 50+ banks, credit unions, monoline, alternative, and private lenders Model: Mobile and virtual service-area broker, no storefront, licensed throughout British Columbia Service Area: Vancouver, North Vancouver, West Vancouver, Burnaby, New Westminster, Port Moody, and the wider Lower Mainland Published Reviews: 5.0 rating, 60 Google reviews as stated on provider pages

Overview

Watts Mortgages is a single-broker practice operating under TMG The Mortgage Group Canada Inc., a BCFSA-registered brokerage with a national footprint. Chad Watts presents as a Vancouver native with fifteen years in the market, positioning the practice around borrowers whose files do not fit a bank template: self-employed and business-for-self applicants, borrowers carrying debt or rebuilding credit, investors, and homeowners accessing equity. The operational model is explicitly mobile and virtual rather than office-based, with applications, document collection, and lender submissions conducted digitally or by phone.

What distinguishes the practice within this field is the structure and resolution of its published content. Rather than a single service page covering the Lower Mainland, Watts Mortgages maintains dedicated pages for individual municipalities within its service area, each addressing the submarket characteristics that actually drive lending decisions in that location. The North Vancouver page connects the area’s trades, construction, film, and outdoor-recreation economy to the prevalence of business-for-self income files. The West Vancouver page addresses complex income and larger loan sizes in a land-value-driven market with substantial teardown-rebuild activity. The New Westminster page treats first-time buyers in a condominium-heavy, transit-served market as a defined specialty. Each page cites Multiple Listing Service Home Price Index benchmark figures sourced through the Real Estate Board of Greater Vancouver with a stated month, which is a level of dated local data no other provider in this study published.

Best For

Self-employed and business-for-self borrowers in Vancouver and across the North Shore whose income is documented through business financials and notices of assessment rather than T4 slips. Borrowers who have been declined by a bank and need a file constructed for alternative or private lenders. Homeowners aged fifty-five and older evaluating a reverse mortgage against other equity release routes. Borrowers who prefer a single consistent point of contact and a mobile process over visiting an office. Clients with financing needs tied to a construction or rebuild timeline rather than a standard purchase closing.

Strengths

The published product range is the broadest individual lineup in the study relative to practice size, spanning purchase and pre-approval, first-time buyer financing under CMHC high-ratio programs, self-employed and business-for-self mortgages, refinancing and equity access, home equity lines of credit, second mortgages, investment and rental property financing, private mortgage lending, bridge financing structured around construction timelines, and reverse mortgages for the fifty-five-and-over segment.

Cost disclosure on alternative products is the standout attribute. The private mortgage lending page states that private mortgage rates commonly fall between seven and twelve percent, that terms typically run six to eighteen months and are designed to be repaid through a sale or refinance, that costs usually include an appraisal fee and lender points which may represent several percent of the loan, and that private lenders may advance up to approximately ninety percent loan-to-value. It also states plainly that a solid exit strategy is required. The page identifies the scenarios where private financing is appropriate, including new construction and fixer-upper purchases requiring quick capital, self-employed borrowers with incomplete tax documentation, investment deals under deadline pressure, and unusual properties such as co-operative units, mixed-use buildings, and raw land that conventional lenders decline. Comparable disclosure was not found on any other provider’s site in this study.

Compensation is addressed directly. The practice states that its service carries no client fees and that the lender pays the broker on standard files. The reverse mortgage page states that all costs are disclosed upfront, notes that interest continues to accrue, identifies appraisal and lender fees as disclosed items, describes the no-negative-equity guarantee, and states that objective comparisons against home equity loans and other alternatives are provided rather than steering the borrower toward the product.

Regulatory disclosure is present and specific. The BCFSA sub-mortgage broker licence number appears on service-area pages alongside the named brokerage, and both are verifiable against the provincial registry without requiring the consumer to request the information.

The intake process is described in sequence rather than asserted: a free consultation covering goals, income situation, and timeline; a credit review conducted with the borrower before application so that the borrower knows their position in advance; lender matching against the network; and handling of paperwork, conditions, and lender communication. A mortgage calculator and an FAQ section support the process.

Trade-offs and Watch-outs

The published review base is the smallest among the higher-scoring providers in this study. Sixty Google reviews is a credible sample for a single-broker practice, but it is an order of magnitude below several competitors, and a borrower who weights reputational volume heavily will find more evidence elsewhere.

No live rate reference is published. True North Mortgage displays nine current rates on every page, and GLM maintains a posted rates page. Watts Mortgages does not, which is defensible practice for a broker but means a borrower cannot benchmark before making contact.

No secure online application portal was identified during research. Several competitors route applicants into established platforms, and the absence of a self-service application pathway introduces a step that competing practices have removed.

No industry awards or professional association memberships are published. Four of the eight providers reviewed hold documented national or provincial recognition. This is not a deficiency in service, but it removes a category of third-party validation that competitors can point to.

The website returns a robots directive disallowing standard automated access, which limited direct verification during this research and constrains how the site’s content is retrieved by automated systems generally. Scoring in affected categories was assigned conservatively as a result.

The mobile and virtual model, while an advantage for many borrowers, will not suit those who prefer an in-person meeting at a fixed office address. There is no storefront, and this is stated rather than concealed.

Service and Operational Transparency Notes

Contact details, brokerage affiliation, and licence number are consistent across the pages reviewed. The service area is stated explicitly and the delivery model is described rather than left implicit, including a plain statement that the practice serves clients as a mobile, service-area broker rather than from a storefront. Local market figures are attributed to a source and carry a stated month, which allows a reader to assess currency. Published claims regarding client fees and lender-paid compensation are stated on the provider’s own pages and should be confirmed in writing at engagement, as should the specific cost structure of any private or reverse mortgage arrangement.

3. McKay Wood, Verico Paragon MortgagePal — 86 / 100

Website: mckaywood.ca Brokerage: Verico Paragon MortgagePal Inc. — 12685 Licence: BCFSA Agent Licence 501337 (BC); FSRA Level 1 Agent Licence M19000618 (ON); also licensed in Alberta Lender Network: 60+ lenders including chartered banks and credit unions Model: Individual broker, greater Vancouver focus, digital application Service Area: Vancouver and Metro Vancouver primary; published location coverage across BC, Alberta, Ontario, and several territories

Overview

McKay Wood operates as an individual mortgage specialist with an explicitly stated focus on the greater Vancouver area, marketed under the personal handle “the Mortgage Monk.” The positioning argument is specialist over generalist: the practice handles mortgages exclusively rather than bundling them with broader lending or financial services. The site is well structured, with a services menu covering seventeen distinct scenarios, a location directory, calculators, a blog, and an online application.

Best For

Borrowers who want compensation arrangements explained before engagement. Homeowners considering equity release, debt consolidation, or a home equity line of credit. Seniors evaluating reverse mortgages, aging-in-place financing, or equity release plans, which are addressed through three separate dedicated pages. Borrowers navigating spousal buyout after a relationship breakdown. Applicants with bruised credit or newcomer status who need the alternative lending landscape explained plainly.

Strengths

Licensing disclosure is the most complete in the study. The site footer lists the BCFSA agent licence number, the Ontario FSRA licence number, a statement of Alberta licensing, and the brokerage name with its registration number. No other provider reviewed published all four elements together.

Compensation transparency is likewise the clearest observed. The FAQ states that the broker is in most cases paid a commission by the lender, indicates that the commission is typically around one percent of the mortgage amount, notes that the figure varies with product type, loan size, and applicant profile, and then addresses the borrower-fee question directly: generally no fee is charged, approximately ninety-five percent of files are lender-paid, but where an application does not fit the mainstream lender panel and must be placed with an alternative lender that does not pay commission, a fee is charged, with the arrangement disclosed from the outset. This is precisely the disclosure most borrowers do not receive until late in a process.

The service catalogue is unusually granular, addressing pre-approval, renewal, refinance, first-time buyer, bad credit, debt consolidation, equity take-out, home equity line of credit, insured mortgage, new to Canada, rental investment, reverse mortgage, self-employed, senior reverse mortgage, spousal buyout, aging-in-place financing, and senior equity release as distinct pathways rather than bullet points.

Tooling includes a property transfer tax calculator, which is a British Columbia-specific closing cost that catches many buyers unprepared, a rental investment analysis calculator, and a mortgage payment calculator. An online application runs through an established platform. A three-step process description sets expectations on contact, application, and approval.

The FAQ additionally explains how mortgage brokers are regulated provincially, how broker regulation differs from working with a bank employee, and why brokers are typically self-employed. This is consumer education that serves the reader rather than the practice.

Trade-offs and Watch-outs

The geographic positioning is internally inconsistent. The page headline states a Vancouver focus and the opening copy commits to the greater Vancouver area exclusively, while the location directory publishes pages for thirteen BC municipalities plus Calgary, Edmonton, Red Deer, six Ontario cities, Charlottetown, Yellowknife, Iqaluit, and Whitehorse. The breadth is legitimate given stated multi-province licensing, but it dilutes the specialist claim and the individual location pages carry less local depth than Watts Mortgages’ municipality pages.

Published client feedback is limited to three undated testimonials with no link to a verifiable review profile. Several competitors publish review counts in the hundreds with links to the underlying platform.

The site contains visible copy errors, including a reference to “60% lender partners” where sixty lender partners is clearly intended, and inconsistent lender counts across the page, with sixty-plus stated in one location and fifty-plus in another. These are minor but relevant to an assessment of published information quality.

No rate reference is published, and no awards or professional recognition are listed.

Service and Operational Transparency Notes

Licence numbers, brokerage identity, and regulatory jurisdiction are all disclosed and verifiable. No street address appears on the reviewed pages, which is consistent with a digital-first model but means a borrower cannot confirm a physical Vancouver location from the site itself. Hours are not posted. Commission figures cited on the site are stated as typical rather than as a fixed schedule and should be confirmed for any specific file.

4. True North Mortgage — 85 / 100

Website: truenorthmortgage.ca Corporate Office: 3600 Bow Valley Square II, 205 5th Avenue SW, Calgary, AB Licensing as Published: Ontario #12700; Saskatchewan 316409; in BC and Alberta licensed under the name True North Mortgage Inc. Phone: 1-877-778-4772 Nearest Physical Location to Vancouver: Metropolis at Metrotown, Burnaby, BC Model: National brokerage with retail locations, salaried brokers, online and phone service

Overview

True North Mortgage is a national brokerage with more than twenty years of operating history, twelve published retail locations across Canada, and a stated volume of over $34 billion in mortgages arranged. Its consumer proposition is built on published pricing and scale: rates appear in a persistent bar on every page, the brokerage states that it regularly buys down rates using its own compensation, and it publishes a rate guarantee committing to beat a lower competing rate on a primary residence purchase or pay $500. It states that its brokers are salaried rather than commissioned, which it frames as removing a source of advice bias.

Best For

Rate-first shoppers who want to benchmark before speaking to anyone. Straightforward insured or conventional purchases and renewals where the file is clean and price is the dominant variable. Borrowers who want a retail location and are willing to travel to Metrotown. Borrowers who value self-service tools, multilingual broker matching, or an alternative lending desk within the same organization.

Strengths

Product breadth is the widest in the study and earns full marks. The published catalogue covers pre-qualification, first-time buyers, next-home purchases, renewals and transfers, refinancing, complex mortgage solutions, investment properties, vacation and secondary homes, purchase plus improvements, cash-back mortgages, self-employed and business-for-self financing, newcomers to Canada, home equity lines of credit, reverse mortgages, a forty-year amortization product, a short-term Rate Relief product, and a proprietary alternative product for applicants with non-traditional income or extended ratios.

Client infrastructure is the strongest observed and earns full marks in that category. Six calculators cover payment, renewal, comparison savings, affordability, closing costs, and land transfer tax. Digital tools include a mortgage checklist, a renewal reminder service, and a financing sheet aimed at realtors. An education centre covers fixed versus variable, insured mortgages, the stress test, payment frequency, down payments, credit, income, portability, and a glossary. An online application, a call-back scheduling tool, a company directory permitting broker selection by language, and a written contact form are all available.

Cost transparency is the highest in the study. Nine current rates across terms and structures are displayed persistently. A dedicated page addresses prepayment penalties and privileges, which is the cost category most likely to surprise a borrower later. The salaried-broker disclosure is a substantive compensation statement that no other provider in this field makes. The rate guarantee specifies a concrete remedy rather than an unquantified promise.

Compliance infrastructure includes a published privacy policy, a provincial licensing page, and a formal complaint policy, the last of which no other provider in this study published.

Trade-offs and Watch-outs

The Vancouver position is the weakest in the field and is the primary reason a national leader on product and infrastructure does not rank higher in a city-specific evaluation. There is no True North location in Vancouver proper. The nearest retail location is at Metropolis at Metrotown in Burnaby. The corporate office is in Calgary. No Vancouver neighbourhood or submarket content was identified. A borrower seeking a broker with working knowledge of the difference between financing in Mount Pleasant and financing in Coal Harbour will not find that distinction addressed.

Licensing disclosure for British Columbia is materially weaker than for other jurisdictions. The provincial licensing page publishes a specific number for Ontario and a specific number for Saskatchewan, but for British Columbia and Alberta states only that the company is licensed under its corporate name. A BC consumer therefore has no registration number to verify from the site, in contrast to several smaller competitors that publish theirs.

The displayed rate bar defaults to an Alberta setting and requires the user to change the province selector, which introduces a risk that a BC visitor reads rates that do not correspond to their jurisdiction.

The relationship model is organizational rather than individual. A borrower is matched to a broker from a directory rather than engaging a named broker from the outset, which suits some clients and not others. Testimonials published on the site name brokers across Ontario and Alberta rather than British Columbia.

The rate guarantee, like all such guarantees, carries conditions, and the site states that conditions apply. Borrowers should establish the specific terms before relying on it.

Service and Operational Transparency Notes

Corporate identity, contact details, complaint procedure, and privacy policy are clearly published. Rate figures are current as displayed but change frequently and are conditional on qualification and approval. The absence of a published BC registration number is a verifiable gap rather than an inference, and consumers wishing to confirm registration should consult the BCFSA registry directly.

5. Geoff Lee, GLM Mortgage Group — 75 / 100

Website: geoffleemortgage.com Address: 1001 West Broadway #164, Vancouver, BC V6H 4B1 Phone: (604) 259-1486 Licence as Displayed: #M17001558 Recognition: Canadian Mortgage Professionals 2022 Mortgage Broker of the Year, BC; Top 75 Mortgage Broker in Canada Service Area: British Columbia, Alberta, Ontario, Manitoba Model: Team practice with Vancouver office

Overview

GLM Mortgage Group is a team practice led by Geoff Lee, operating from a West Broadway address in Vancouver with stated service across four provinces. The practice has built an unusually developed content ecosystem for a brokerage of its size, including a podcast produced with a real estate partner, an ebook library, a credit improvement guide, and a mortgage toolkit. Recognition includes a 2022 provincial broker of the year award and national top-75 placement.

Best For

First-time buyers who want structured educational material before starting. Borrowers who want to book a consultation themselves rather than wait for a callback. Clients working with a realtor partner who value the integrated real estate and mortgage content. Borrowers requiring credit repair guidance before application.

Strengths

Recognition is documented and specific, with the award, the awarding body, and the year all identified, which permits verification.

Tooling and content are well developed: an online application through an established platform, a mortgage calculator, an affordability tool, a posted mortgage rates page, a credit guide, a blog maintained through 2026 with substantive posts on co-buying arrangements in British Columbia and on mortgage features beyond rate, and a self-service booking calendar.

The practice publishes a full Vancouver street address and a local phone number, and maintains dedicated Vancouver mortgage broker content.

One blog title in particular signals sound advisory framing: an article arguing that seven mortgage features may be worth more than a lower rate is the opposite of rate-led selling and reflects the kind of counsel that produces better long-term outcomes.

The practice publicly documents charitable involvement through a registered Canadian charity co-founded by the principal, which is presented with specificity rather than as a general claim.

Trade-offs and Watch-outs

Several service promises are framed as guarantees: a “fast yes at the sharpest rate, guaranteed,” pre-approval in four hours, and a phone call within ninety minutes. Response-time commitments are operationally controllable and reasonable to publish. Rate guarantees are not, since rates are set by lenders and approval depends on underwriting. The framing overstates what any broker can commit to.

The licence number displayed in the footer, #M17001558, follows the format used by Ontario’s regulator for mortgage agents rather than the format used by the BC Financial Services Authority. Whether this reflects a multi-jurisdictional licensing position or a display choice cannot be determined from the site. For a Vancouver consumer, the practical effect is that no BC registration number is available for verification from the page.

Cost and compensation disclosure is limited. A posted rates page exists, but the site does not explain the compensation model or address when a borrower fee might apply.

Service descriptions are comparatively thin. The services menu resolves to fixed rate mortgages, variable rate mortgages, mortgage refinancing, and “and more,” which conveys less about capability than several lower-ranked competitors convey.

The four-province service claim, while legitimate, reduces the local specificity that a city-focused borrower is evaluating.

Service and Operational Transparency Notes

Address, phone, licence number as displayed, team page, and booking pathway are all published. Testimonials link to a dedicated page. Blog content carries dates. Guarantees stated on the site should be confirmed in writing, and borrowers should clarify what the rate guarantee specifically commits to before relying on it.

6. Zaheed Valli-Hasham, City Wide Mortgage Services — 74 / 100

Website: zaheedvh.com Brokerage: City Wide Mortgage Services Office: 1245 West Broadway #103, Vancouver, BC V6H 1G7 Phone: (604) 671-5593 Email: zaheed@citywidemortgage.ca Stated Experience: 14+ years Licensed: British Columbia and Alberta Recognition: 2020 Canadian Mortgage Broker of the Year; described as a five-time national finalist Published Reviews: 700+ five-star Google reviews; described as the most-reviewed individual mortgage broker in British Columbia

Overview

Zaheed Valli-Hasham is a Senior Mortgage Broker with City Wide Mortgage Services operating from a West Broadway office in Vancouver, with an award and review record that is the strongest in this entire study. The 2020 Canadian Mortgage Broker of the Year designation, multiple national finalist placements, and a decade-long sequence of annual production awards from 2014 onward represent third-party validation that no other provider reviewed can match.

The score therefore requires direct explanation. The framework measures published information depth and verifiability, not service quality or client outcomes. This practice operates from a single-page website with minimal published operational detail, and the framework registers that absence. A borrower weighting demonstrated reputation above published transparency would reasonably reach a different conclusion than the table does.

Best For

Borrowers who weight peer validation heavily and want the most extensively reviewed individual broker in the province. First-time buyers, based on the substantial concentration of first-time buyer experiences in the published review sample. Borrowers who value meeting flexibility, since the practice offers its Vancouver office, online meetings, or meeting at the client’s work, home, or a coffee shop. Time-sensitive files, given the stated capacity for approvals within a day.

Strengths

Reputational credentials are the strongest in the field and are specific enough to verify independently, including the named award, the awarding body, the year, and a linked Google review profile.

The lender panel is not merely asserted but displayed. The site presents named lender logos including Blue Shore Financial, Canadian Western Bank, Coast Capital Savings, Envision Financial, Equitable Bank, First National, G&F Financial, Manulife Bank, MCAP, National Bank, Peoples Trust, Prospera Credit Union, RMG Mortgages, Scotiabank, Street Capital, TD Canada Trust, Wealth One, and Westminster Savings. Identifying actual lenders is a form of transparency that most competitors do not offer, and it allows a borrower to see the mix of chartered banks, credit unions, and monoline lenders directly.

Product coverage spans purchase, refinance, renewal, second mortgages, construction financing, home equity lines of credit, and investment or rental property purchases, with construction financing named explicitly, which not all competitors do.

The contact form is better designed than most, capturing the borrower’s area of interest, preferred contact method including WhatsApp, and referral source, which reduces friction in the first exchange.

The office address and phone are published and the brokerage is named.

Trade-offs and Watch-outs

The site is a single page. There are no individual service pages, no calculators, no FAQ, no blog or resources section, no glossary, and no online application. For a borrower who wants to understand the process before making contact, there is very little to read.

Cost and compensation transparency is the lowest in the study. The site does not publish rates, does not explain how the broker is compensated, does not address whether a borrower fee could apply on alternative or private files, and does not discuss prepayment penalties. Given that construction financing and second mortgages are both named services and both commonly involve fee structures that differ from prime lending, the omission is material.

No licence or registration number appears on the site. Given that the practice holds the strongest regulatory-adjacent credentials in the field, publishing the registration number would be a low-cost improvement.

The published review count varies across the site between 675 and 700-plus, and the descriptive positioning fluctuates between the 2020 award and a four-time broker of the year characterization in the page metadata. The underlying achievements appear substantial; the inconsistent presentation of them is a minor information-quality issue.

Displayed client reviews carry dates predominantly from 2021 and 2022, with the most recent shown from 2024, though the site states a current total exceeding 700.

Service and Operational Transparency Notes

Office address, phone, fax, email, and brokerage identity are published and consistent. Privacy policy and terms and conditions pages are present. The lender panel display is a genuine transparency asset. The absence of a published registration number means consumers should verify registration through the BCFSA registry using the broker and brokerage names.

7. Casey Archibald, Xeva Mortgage — 73 / 100

Website: caseya.ca Brokerage: Xeva Mortgage LLP Branch Office of Record: 400-1286 Homer Street, Vancouver, BC V6B 2Y5 Phone: (778) 871-6996 Stated Experience: Nearly 20 years; industry entry stated as 2002 Recognition: 2020 Canadian Mortgage Awards Young Gun of the Year; 2021 and 2018 Canadian Mortgage Professionals Hot List; 2019 Mortgage Awards of Excellence BC Firm of the Year; 2016 CMBA Partnership Award Stated Volume: $3 billion-plus in mortgages approved

Overview

Casey Archibald operates under Xeva Mortgage LLP from a Homer Street branch office in downtown Vancouver, with a nearly two-decade record, an extensive awards history, and prior experience as a business development manager at the Canada Mortgage and Housing Corporation. The practice positions itself explicitly against rate-led selling, arguing that prepayment options, portability provisions, and penalty reduction features frequently matter more than a marginal rate difference.

Best For

Borrowers who want a broker focused on mortgage structure and features rather than headline rate. Investors building a rental portfolio, which the practice names as a specialty. Buyers requiring pre-sale financing plans for pre-construction purchases, a scenario few competitors name explicitly. Newcomers to Canada and borrowers with offshore income. Borrowers who value availability, given the stated seven-day accessibility and commitment to return calls within minutes.

Strengths

The awards record is detailed, dated, and attributed to named awarding bodies across five separate years, which permits independent verification.

Regulatory care in the site’s disclosures is unusual and commendable. The contact section distinguishes explicitly between the official branch office for BCFSA record-keeping purposes, stating both the Vancouver address and the Xeva Mortgage LLP head office in Surrey, and appointment-only meeting locations in Kelowna, Vernon, and Lake Country, with a clear statement that the latter are not official branch offices and that no record-keeping occurs at those addresses. No other provider in this study drew that distinction.

The advisory framing is substantive. The site argues that a bank or single-brand mortgage specialist offering one or two products is structurally limited to competing on rate, and that prepayment, portability, and penalty features deserve equal weight. This is a defensible position that serves borrowers.

Service coverage includes purchase, refinance, renewal, first-time buyer pre-approvals, pre-sale financing plans, private financing and second mortgages, self-employed financing, reverse mortgages, and newcomer and offshore income files.

The practice states plainly that using a broker to access a bank, credit union, or best-rate lender is free to the borrower, and an online application is available through an established platform.

Trade-offs and Watch-outs

The site appears not to have been substantively updated in some time. The milestones section terminates at 2021, awards stop at 2021, and the site’s stated experience figures reference 2021 as the current year. Several “Learn more” links do not resolve to additional content. For a borrower assessing currency, this is a meaningful signal.

There are no calculators, no blog or resources section, no FAQ, and no individual service pages. The site is effectively one page with anchor navigation.

Cost transparency is limited. The statement that broker services are free when placing with a bank, credit union, or best-rate lender is accurate and helpful, but the practice names private financing and second mortgages as services, and those categories commonly involve borrower-paid fees that the site does not address.

No licence or registration number is published, although the brokerage is named and the branch office disclosure is precise.

Displayed testimonials are undated, though a link to the Google review profile is provided.

The multi-location appointment structure spanning Vancouver and the Okanagan, while transparently disclosed, means the practice is not exclusively Vancouver-focused.

Service and Operational Transparency Notes

Branch office identification is the most carefully handled in the study. Contact details and brokerage affiliation are published. The site’s apparent age is the principal transparency concern, since a borrower cannot readily determine which stated details remain current. Direct confirmation of current service scope and fee practice is advisable.

8. Clever Lending — 72 / 100

Website: cleverlending.com Registered Brokerage: Clever Lending – Compass Group Inc., operating as Clever Lending Registry Details: Designated individual Laura Robyn MacCormack; business address 170 – 422 Richards Street, Vancouver, BC V6B 2Z4; registration expiry 6 July 2027; condition noted regarding trust fund authorization Brokers: Laura MacCormack and Sam de la Fosse Phone: (604) 360-4696 Posted Hours: Monday to Friday 9:00am–6:00pm; Saturday and Sunday 10:00am–5:00pm Network: Verico Compass Mortgage Group

Overview

Clever Lending is a two-broker practice operating from a Richards Street office in downtown Vancouver under the Verico Compass network. The positioning emphasizes personalized one-to-one service and borrower education, with an explicitly stated willingness to work across the borrower spectrum including first-time buyers, self-employed applicants, retirees who own property, applicants with impaired credit, and borrowers requiring alternative lending.

Best For

Borrowers who want a small-practice relationship with a named broker rather than a team handoff or call queue. Clients who need weekend availability, which the posted hours provide and most competitors do not. Retirees and homeowners exploring home equity loans and reverse mortgages, which the practice names as a distinct service area. Existing clients who value ongoing review, given the stated free annual mortgage review.

Strengths

Compensation is stated plainly and without qualification: the broker states that she is compensated by the lenders rather than the client and that in most cases services are offered free of charge. The phrasing “in most cases” is honest, acknowledging that exceptions exist rather than overstating the position.

The free annual mortgage review offered to existing clients is a distinctive commitment. Most brokered relationships go dormant between transactions, and a standing annual review is a service structure that few competitors publish.

Posted hours covering seven days including both weekend days are the most accessible in the study, and are published rather than left to inquiry.

Regulatory standing is confirmable through the provincial registry, including legal name, business name, address, designated individual, and registration expiry, and the practice operates within a recognized national network.

Both brokers are named with individual contact details and individual profile pages, so a prospective client knows precisely who they will be working with.

Free consultations are offered to new clients, and the service range covers home buying, refinancing and renewals, debt consolidation, home equity and reverse mortgages, self-employed applicants, retirees, and alternative lending for impaired credit.

Trade-offs and Watch-outs

The published information base is thin. No online application pathway, no calculators, no blog or resources section, and no FAQ were identified. Service descriptions are brief relative to the field.

Network affiliation is presented inconsistently across sources. The practice’s own site references Verico Compass Mortgage Group, the provincial registry lists the legal name as Clever Lending – Compass Group Inc., and at least one third-party directory listing references a different Verico entity along with a different street address. The registry record is authoritative, but the inconsistency across public sources is a verifiable information-quality issue.

No licence or registration number appears on the site, and no industry awards or recognition are published.

No rate reference is published and prepayment penalties are not addressed.

The two-broker structure, while an advantage for continuity, means capacity constraints are more likely than at larger practices during periods of high volume.

Service and Operational Transparency Notes

Office address, phone, fax, hours, and individual broker contacts are all published and align with the provincial registry record. The compensation statement is clear and appropriately qualified. As with other registrants, the trust fund notation on the registry reflects scope of authorization rather than an adverse finding. Borrowers should confirm the current network affiliation directly given the inconsistency across third-party listings.

Cross-Provider Observations

Several patterns emerged across the field that are more informative than any individual score.

Lender access has ceased to be a differentiator. Seven of eight providers state access to fifty or more lenders, and the eighth states sixty-plus. The claim is credible in each case, since national brokerage networks provide comparable panels to their members. What varies is whether the provider explains what that access does for a specific borrower situation. The providers that scored highest on this category did so by describing how a self-employed file is constructed, when private financing is appropriate and what it costs, or how a construction draw schedule differs from a standard closing. Borrowers should treat a lender count as a baseline rather than an advantage and ask instead which lenders on the panel are appropriate for their specific profile.

Licence disclosure divides the field more sharply than reputation does. Three providers publish a specific registration or licence number that a consumer can verify. Five do not. The division does not correlate with size, tenure, or recognition. The most awarded broker in the study publishes no registration number, while a mid-sized individual practice publishes three licence numbers plus a brokerage registration. Since British Columbia maintains a public registry that any consumer can search in under a minute, the omission is a convenience gap rather than a compliance concern, but it does shift a verification burden onto the borrower.

Compensation transparency is rare and unevenly distributed. Only four of eight providers address how they are paid in any substantive way. Only two address the circumstances in which a borrower-paid fee would apply. This matters because the categories where fees are most likely, namely private lending, second mortgages, and alternative or B-lender placements, are precisely the categories where borrowers arrive with the least bargaining information and the most urgency. Notably, two of the three providers that name private or second mortgages as services do not explain the associated fee structure anywhere on their sites.

Rate publication is the exception, not the norm, and this is defensible. One national provider publishes live rates prominently, and one regional practice maintains a posted rates page. The remaining six do not. This is consistent with how the brokered channel functions: pricing is lender-specific, tiered by insurance status and loan-to-value, and changes frequently, so a posted rate is often less useful than it appears. The framework did not penalize non-publication, but it did credit providers who disclosed other cost dimensions, particularly penalty structures and the all-in costs of alternative products.

A clear split exists between national infrastructure and local specificity, and neither side has closed the gap. The national provider leads decisively on calculators, education, application systems, and published pricing, while offering essentially no Vancouver-specific market content and maintaining no location in the city. Several local practices demonstrate meaningful neighbourhood-level knowledge while offering minimal self-service tooling. Only one provider in the study combined substantial local depth with a described intake process, and even that provider lacks an online application. A borrower should expect to trade one for the other and should decide which matters more to their situation.

Published review volume varies by more than an order of magnitude and correlates weakly with published information quality. Review totals across the field range from three undated testimonials to more than seven hundred verified Google reviews. The correlation between review volume and the transparency measures assessed here is close to nonexistent. Both signals are legitimate and they measure different things: reviews reflect the experience of past clients, while published transparency reflects what a prospective client can learn before becoming one.

Reverse mortgages and senior equity products are becoming a distinct competitive segment. Five of eight providers name reverse mortgages as a service, and two have built multiple dedicated pages covering reverse mortgages, aging-in-place financing, and senior equity release as separate products. Given the age profile of Vancouver homeowners holding substantial accumulated equity, this appears to be a deliberate and growing specialization rather than a catalogue entry.

Construction and draw-advance financing is named far less often than demand would suggest. Only three providers reference construction financing in any form. In a market with significant teardown-rebuild activity, laneway house construction, and major renovation work, this is a thinner field than a borrower might expect, and those requiring this financing should expect a shorter list of genuinely experienced options.

Recommendations by Borrower Type

First-Time Buyers

First-time buyers benefit most from process clarity and cost modelling, since the unfamiliar elements of a first purchase, including default insurance premiums, property transfer tax, and the stress test, tend to be discovered late rather than planned for. True North Mortgage offers the strongest self-service toolkit for this purpose, with affordability, closing cost, and land transfer tax calculators, a first-time buyer guide, and a stress test explainer. McKay Wood’s property transfer tax calculator addresses a British Columbia-specific cost that national tools sometimes handle imprecisely. Eitan Pinsky’s first-time buyer content explains structural decisions in plain terms without steering. For a buyer looking specifically at a condominium in a transit-served submarket, Chad Watts’s municipal pages provide dated benchmark pricing for setting a realistic pre-approval target. Borrowers in this segment should confirm eligibility for the expanded thirty-year insured amortization and the raised insured price cap before setting a budget.

Self-Employed and Business-for-Self Borrowers

This is the segment where broker selection matters most, because the difference between a broker who expects a business-for-self file and one who must be persuaded to attempt it determines whether the file gets placed at all. Chad Watts positions self-employed lending as the practice’s primary specialty rather than a listed service, describes building files around business financials and notices of assessment in place of T4 income, and connects that capability to specific local economies including trades, construction, film, consulting, and medical and dental professionals. True North Mortgage offers a dedicated business-for-self pathway and a proprietary alternative product designed for non-traditional income and extended ratios, which is a genuine structural advantage. McKay Wood maintains a distinct self-employed page. Borrowers in this segment should ask directly how many business-for-self files a broker places annually and which specific lenders on their panel accept stated or alternative income documentation.

Refinancing, Renewals, and Home Equity Access

Borrowers pursuing the best home equity loans available in Vancouver should first understand that the phrase covers several distinct products with materially different costs: a refinance of the existing first mortgage, a home equity line of credit, a second mortgage, and for those aged fifty-five and over, a reverse mortgage. Eitan Pinsky’s commitment to obtaining at least three competing lender bids is directly relevant here, as is his practice’s explicit treatment of whether breaking a term is worth the penalty. Chad Watts’s refinancing content distinguishes between a full refinance, a home equity line of credit that charges interest only on funds drawn, and a second mortgage that preserves an advantageous existing first mortgage rate, which is the correct framing for this decision. McKay Wood maintains separate equity take-out, home equity line of credit, and debt consolidation pathways. Renewing borrowers should be aware that the November 2024 change removing the minimum qualifying rate requirement for uninsured straight switches at renewal has materially improved their ability to move lenders, provided the loan amount and amortization remain unchanged.

Investment and Rental Property Financing

Investors require lender panels that accommodate rental income treatment, portfolio concentration, and in some cases multi-unit properties. True North Mortgage publishes dedicated investment property and vacation or secondary home pathways. McKay Wood offers a rental investment analysis calculator, which is the only modelling tool of its kind in this field. Casey Archibald names portfolio building and pre-sale financing plans as specialties, the latter being relevant to investors purchasing pre-construction. Chad Watts states a specialization in residential, investment, and recreational properties and addresses rental suite income as a qualification tool. Investors should establish early how each lender on a broker’s panel treats rental income offsets, since the variation between lenders on this single variable frequently determines qualification.

Construction, Rebuild, and Renovation Financing

Borrowers searching for construction loans or a construction to permanent loan should note that Canadian terminology differs from the American convention. The Canadian equivalent is generally a construction or draw mortgage, where funds are advanced in stages against inspected progress, converting to a standard completion mortgage once the build is finished. Purchase plus improvements financing serves a related but distinct purpose, rolling renovation costs into the purchase mortgage. Options in this field are limited. Chad Watts arranges bridge and private financing structured around a construction timeline rather than a standard purchase closing, addresses teardown-rebuild scenarios in West Vancouver’s land-value-driven market explicitly, and notes that private lenders can finance raw land and unusual properties that conventional lenders decline. Zaheed Valli-Hasham names construction financing as a service. True North Mortgage offers purchase plus improvements. Borrowers in this category should confirm draw schedule mechanics, holdback requirements, and inspection costs before committing, as these vary substantially by lender and are frequently underestimated.

Homeowners Aged 55 and Over

The reverse mortgage decision warrants unusual care because the product is difficult to reverse and the costs compound. Chad Watts’s reverse mortgage content is the most substantive in the field, covering the no-negative-equity guarantee, the tax-free character of the funds, continued interest accrual, upfront disclosure of appraisal and lender fees, the fifty-five-plus qualifying threshold, and, importantly, a stated commitment to providing objective comparisons against home equity loans and other alternatives rather than presenting the reverse mortgage as the default answer. McKay Wood maintains three separate pathways covering reverse mortgages, senior reverse mortgages, aging-in-place financing, and a senior equity release plan, which is the most granular treatment of this segment observed. Clever Lending names home equity loans and reverse mortgages together as a service area. Borrowers in this segment should insist on a written comparison against at least one alternative equity access route before proceeding.

Limitations

This report carries limitations that readers should weigh alongside its findings.

The evaluation measures published information, not service quality, outcomes, rates obtained, or client satisfaction. A broker who publishes minimally may deliver superior results, and a broker who publishes extensively may not. The provider ranked last in this study holds the strongest award record and the largest verified review base in the field. The framework is a tool for comparing what can be assessed before contact, and nothing more.

All findings reflect a single research window. Rates, lender counts, office addresses, published hours, review totals, service offerings, and licensing details change, and several will have changed by the time this is read. The British Columbia regulatory framework in particular is mid-transition, with the Mortgage Services Act coming into force on October 13, 2026, after which registration details published during 2026 will be superseded by licensing details under the new regime.

The focal provider’s website returns a robots directive disallowing standard automated retrieval, so its content was assessed through indexed records and third-party sources rather than direct page access. This is a genuine asymmetry relative to the other seven providers, and conservative scores were assigned where confirmation was less direct.

Published claims regarding lender network size, years of experience, review totals, transaction volumes, and compensation arrangements were taken as stated by each provider and were not independently audited. Where a provider stated a figure, this report attributes it to the provider rather than asserting it as verified fact.

Registration details drawn from the provincial registry reflect records as observed and should be re-checked directly, since registrations expire and conditions change.

The selection universe was deliberately drawn from beyond the first page of search results, which means well-known providers holding strong first-page positions were excluded by design. This report does not claim to cover every mortgage broker serving Vancouver, and the eight providers assessed do not constitute a comprehensive survey of the market.

Scoring involves judgment. Another analyst applying the same framework to the same evidence would likely produce similar orderings but not identical point totals, particularly within the narrow band separating the top three providers.

Conclusion

The Vancouver mortgage brokerage market is competitive, well-populated, and, at the level of surface claims, remarkably uniform. Nearly every provider offers comparable lender access. Nearly every provider is compensated by lenders on standard files. Nearly every provider can point to satisfied clients. A consumer relying on these signals alone has almost nothing to choose between.

The differences that can be assessed in advance lie beneath those claims: whether a provider publishes a registration number that can be checked, whether it explains when a borrower might be asked to pay a fee, whether it discloses what a private mortgage actually costs beyond the headline rate, whether it demonstrates knowledge of the specific submarket in which the borrower is transacting, and whether it provides the tools a borrower needs to arrive at the first conversation informed.

Eitan Pinsky of Pinsky Mortgages ranks first at 88 points. Chad Watts of Watts Mortgages follows one point behind at 87, combining the most geographically specific published market coverage in the field with disclosed licensing, a named brokerage relationship, and materially better cost disclosure on the alternative and reverse mortgage products where borrowers are most exposed to unanticipated expense. The practice does not lead on infrastructure, review volume, or recognition, and this report identifies those gaps plainly. It leads on the combination of local relevance and cost candour, which the framework weights heavily.

McKay Wood places third at 86 with the most complete licensing disclosure and the clearest explanation of broker compensation observed anywhere in this study. True North Mortgage places fourth at 85 while leading outright on product breadth, client infrastructure, and published pricing, held back in a city-specific ranking by the absence of a Vancouver location and of a published British Columbia registration number. The three-point spread across the top four providers is narrow and should be read as such.

The appropriate choice depends on the borrower. A rate-first shopper with a clean file should look first at the provider publishing live rates and a guarantee with a stated remedy. A self-employed applicant who has been declined should look first at the provider whose entire practice is organized around that file type. A homeowner weighing a reverse mortgage should look first at the providers who disclose what those products cost. A borrower who wants weekend availability and a named individual should look at the two-broker downtown practice that posts seven-day hours.

Whichever provider a borrower selects, three actions apply universally: verify registration against the provincial registry, obtain the compensation arrangement in writing before proceeding, and require a written explanation of the prepayment penalty calculation attached to any mortgage under consideration. These three steps cost nothing and address the three areas where borrowers most commonly encounter problems after the fact.

Borrower Decision Checklist

Before making contact

• Verify the brokerage and broker against the BC Financial Services Authority public registry, confirming registration status, expiry date, designated individual, and any posted conditions.
• Establish your own position first: know your credit score, have two years of income documentation assembled, and calculate your available down payment including closing costs.
• Model your affordability at the minimum qualifying rate rather than the contract rate, using the greater of contract plus two percentage points or 5.25 percent.
• Determine whether your target price point falls above or below the $1,499,999 insured cap, since the answer changes your minimum down payment materially.
• Confirm whether you qualify as a first-time buyer for property transfer tax exemption purposes and for the thirty-year insured amortization.

During the consultation

• Ask how the broker is compensated on your specific file and whether any borrower-paid fee could apply.
• Ask how many lenders will actually be approached with your file, and request that the competing offers be shown to you rather than summarized.
• Ask specifically which lenders on the panel are appropriate for your income structure, particularly if you are self-employed, newly arrived in Canada, or rebuilding credit.
• Ask how the prepayment penalty is calculated for each product under consideration, and require the answer in terms of interest rate differential versus three months’ interest.
• Ask about prepayment privileges, portability, and assumability, not only rate.
• If alternative or private financing is proposed, ask for the total cost including lender points, appraisal, legal, and any brokerage fee, and ask what the exit strategy is.
• Confirm who will handle your file day to day and whether that is the person you are speaking with.

Before signing

• Obtain the full commitment letter and read the prepayment, porting, and penalty clauses before signing anything.
• Confirm the rate hold expiry date and what happens if your closing moves.
• Confirm all conditions of approval and the deadline for satisfying each one.
• Confirm the compensation disclosure in writing.
• If a guarantee was offered during the sales process, obtain the specific conditions attached to it in writing.

After funding

• Diarize your renewal date and begin shopping four to six months in advance.
• Understand that as a renewing borrower with an uninsured mortgage you may switch lenders at renewal without requalifying at the minimum qualifying rate, provided the loan amount and amortization remain unchanged.
• Keep your broker’s contact details for annual review, particularly if the practice offers one.

Frequently Asked Questions

How were these mortgage brokers selected for this report?

The selection universe was drawn deliberately from providers appearing beyond the first page of search results for the target keyword, in order to surface operating practices a typical consumer might overlook rather than amplify providers already holding strong search visibility. Four providers were supplied at the outset and four were identified independently from second-page and third-page results and from public regulatory registry records. Each provider had to actively serve Vancouver, offer professional mortgage brokerage services, and publish sufficient public information to support structured evaluation.

Why did Chad Watts rank second among the best mortgage broker options in Vancouver?

The practice finished one point behind the top-ranked provider, leading the field on local market coverage and performing strongly on product breadth, licensing disclosure, and cost transparency. It publishes municipality-level content with dated local benchmark pricing that no other provider matched, discloses its BCFSA sub-mortgage broker licence number and brokerage relationship, and publishes indicative costs for private lending and reverse mortgage products that most competitors leave unaddressed. Its client experience score was held back by the absence of an online application portal, and it does not lead on published review volume or industry recognition. The report identifies those gaps within its profile.

Does a higher score mean better service or better rates?

No. The framework measures the depth, clarity, and verifiability of publicly available information, which is what a consumer can assess before making contact. It does not measure service quality, approval success, rates obtained, or client satisfaction, none of which can be evaluated from published material. The provider ranked eighth in this study holds the strongest award record and the largest verified review base in the field, which illustrates the distinction directly.

Why was a nationally recognized brokerage not ranked first?

True North Mortgage scored highest in the study on product breadth and client infrastructure and second highest on cost transparency, but this is a Vancouver-specific ranking and local coverage carries twenty of the one hundred available points. The brokerage maintains no location in Vancouver proper, with its nearest retail location in Burnaby and its corporate office in Calgary, publishes no Vancouver submarket content, and its provincial licensing page discloses registration numbers for Ontario and Saskatchewan but not for British Columbia. Those factors reduced its score in the two categories where local relevance and verification are assessed.

Do mortgage brokers in Vancouver charge borrowers a fee?

On the large majority of prime residential files the lender pays the broker and the borrower pays nothing directly, and several providers in this study state that explicitly. The exception arises with alternative, B-lender, and private financing, where the lender may not pay a commission and a borrower-paid fee may apply. Only two providers in this study addressed that exception on their websites. Any borrower should confirm the compensation arrangement in writing before proceeding, particularly on a non-prime file.

How do I verify that a mortgage broker is licensed in British Columbia?

The BC Financial Services Authority maintains a publicly searchable registry disclosing a brokerage’s legal name, business name, address, designated individual, registered sub-mortgage brokers, registration expiry date, and any conditions or restrictions. The search takes under a minute and requires no account. Three of the eight providers reviewed publish a registration or licence number directly on their sites; for the remaining five, the registry can be searched by broker or brokerage name.

What is changing in British Columbia mortgage broker regulation in 2026?

The Mortgage Services Act comes into force on October 13, 2026, replacing the Mortgage Brokers Act. Registration is replaced by licensing with defined levels and categories, a Superintendent of Mortgage Services is established, brokerages must nominate principal brokers, licensees face explicit identity verification and fraud reporting obligations, and enforcement penalties for unlicensed activity reach $250,000 for individuals and $500,000 for non-individuals. Existing registrants must complete mandatory transition education before the in-force date. Three categories come into force on that date: dealing in mortgages, trading in mortgages, and administering mortgages.

Do I still have to pass the stress test when renewing my mortgage?

Since November 21, 2024, OSFI no longer expects federally regulated lenders to apply the prescribed minimum qualifying rate to uninsured straight switches at renewal, meaning a borrower moving to a new federally regulated lender without increasing the loan amount or extending the amortization is not required to requalify at the stress-tested rate. A comparable exemption applies to insured mortgages. For new originations, the minimum qualifying rate remains the greater of the contract rate plus two percentage points or 5.25 percent.

Which providers publish the clearest information about cost?

True North Mortgage publishes live rates across nine terms on every page, a dedicated prepayment penalty page, a stated rate guarantee with a specific remedy, and a disclosure that its brokers are salaried. McKay Wood publishes the clearest compensation explanation, including a typical commission figure and the circumstances under which a borrower fee applies. Chad Watts publishes the most detailed cost disclosure on alternative products, including indicative private lending rates, typical terms, lender points, and appraisal costs. Clever Lending states its compensation model plainly and with appropriate qualification.

Are construction loans and construction to permanent loans available through Vancouver brokers?

The Canadian equivalent of a construction to permanent loan is generally a construction or draw mortgage, in which funds are advanced in stages against inspected progress and convert to a standard completion mortgage once the build is finished. Only three of the eight providers in this study reference construction financing in any form, so the field of genuinely experienced options is narrower than a borrower might expect. Borrowers should confirm draw schedule mechanics, holdback requirements, and inspection costs before committing, since these vary substantially by lender.

Does this report cover every mortgage broker in Vancouver?

No. The selection universe was deliberately limited to eight providers drawn from beyond the first page of search results, which means well-known providers holding strong first-page positions were excluded by design. Vancouver supports a far larger brokerage market than this report surveys, and the absence of a provider from this analysis carries no implication about its quality.

References

Chad Watts – Mortgage Broker at TMG. Website. https://www.wattsmortgages.ca/

Chad Watts – Mortgage Broker at TMG. Google Business Profile. https://www.google.com/maps/place/Chad+Watts+-+Mortgage+Broker+at+TMG/@49.2820081,-123.1385058,17z/data=!3m1!4b1!4m6!3m5!1s0x5486736f8858f3cd:0x8e0498ce995da036!8m2!3d49.2820081!4d-123.1385058!16s%2Fg%2F11h0vyhl88?entry=ttu&g_ep=EgoyMDI1MTIwOS4wIKXMDSoASAFQAw%3D%3D

BC Financial Services Authority. Mortgage Broker Registry, public search records. https://www.bcfsa.ca

BC Financial Services Authority. Mortgage Services Act. https://www.bcfsa.ca/industry-resources/mortgage-broker-resources/mortgage-services-act

BC Financial Services Authority. Mortgage Services Act: Rules and Regulation. https://www.bcfsa.ca/industry-resources/mortgage-broker-resources/msa-landing-page/mortgag e-services-act-rules-regulation

BC Financial Services Authority. Mortgage Services Act: Licensing. https://www.bcfsa.ca/industry-resources/mortgage-broker-resources/msa-landing-page/mortgag e-services-act-licensing

British Columbia Law Institute. Mortgage Law Reform in British Columbia: The Mortgage Services Act. https://www.bcli.org/mortgage-law-reform-in-british-columbia-the-mortgage-services-act/

Canadian Mortgage Brokers Association of British Columbia. Mortgage Services Act: What to know about the transition. https://www.cmbabc.ca/msa-cmbabc/

Casey Archibald Mortgage Professionals. https://caseya.ca/

Clever Lending. https://www.cleverlending.com/

GLM Mortgage Group. https://geoffleemortgage.com/

McKay Wood, Verico Paragon MortgagePal. https://mckaywood.ca/

Office of the Superintendent of Financial Institutions. Minimum qualifying rate for uninsured mortgages. https://www.osfi-bsif.gc.ca/en/supervision/financial-institutions/banks/minimum-qualifying-rate-un insured-mortgages

Office of the Superintendent of Financial Institutions. Backgrounder: Minimum Qualifying Rate. https://www.osfi-bsif.gc.ca/en/news/backgrounder-minimum-qualifying-rate-mqr

Office of the Superintendent of Financial Institutions. OSFI exempts uninsured mortgage straight switches from the prescribed MQR and implements portfolio LTI limits. https://www.osfi-bsif.gc.ca/en/guidance/guidance-library/osfi-exempts-uninsured-mortgage-strai ght-switches-prescribed-mqr-implements-portfolio-lti-limits

Pinsky Mortgages. https://pinskymortgages.ca/

True North Mortgage. https://www.truenorthmortgage.ca/

Zaheed Valli-Hasham, City Wide Mortgage Services. https://zaheedvh.com/