SERVING Calgary, Edmonton, Fort McMurray, Saskatooon, Alberta, Saskatchewan, All of Canada - MOBILE
Ritu and Mahen Agrawal P. Eng.
Mortgage Planner and Financial Advisor
C 1-888-927-8270   P 403-452-7827

Value of a Mortgage Broker and how we are different from Bank?

Home is your one of the largest and most important financial transaction you will ever make.  Are you concerned with lower rates possible having limitations or do you want to pay down mortgage faster… which one gives you more savings and peace of mind?  For Home Financing, working with Mortgage Professionals and Experts can be of immense value to you.  As a Mortgage Broker, professionalism, knowledge, integrity and reputation are keys to our business and our success in the industry. Not only have we built long-lasting and trusted relationships with Banks, we have strong negotiation skills and the professional tools to ensure you receive the best service possible and much more mortgage savings at NO cost to you..

Bank Mortgage Broker
Bank Representative or Bank Mobile Specialist work for a Single Bank We, Mortgage Broker, work with Multiple Banks (Major and Small)
There is NO service cost for you when working with Bank There is NO service cost for you when working with us too
Can they give independent professional advice on mortgage savings to you? We give independent professional advice on mortgage savings to you
Do they do mortgage planning or only sell rates? We do mortgage planning with you to understand your unique needs and plan for your mortgage
Can they provide multiple options (i.e. rates, features, flexibilities) for the same mortgage term (e.g: for 5 yr Fixed term)? We provide multiple options (i.e. rates, features and flexibilities) for the same mortgage term.  You choose the best option that fits you
Do they negotiate and provide discounted rates for you? We negotiate and provide discounted rates for you
Do they have best rates posted on their website? We have best rates that includes promotions from our various lenders
Can they explain you how payout penalty works? We explain how payout penalty works and how it differs between different Banks
What strategies can they recommend you to save on mortgage interest cost? We personalized mortgage saving strategies to save on mortgage interest cost
When signing at Lawyer do you read document to understand the important aspect of mortgage? We go through this important aspect when signing the mortgage approval in advance before document goes to lawyer
Is Bank working in your best interest by offering you lower rate with more restrictions rather than helping you to pay off mortgage faster? Faster you pay off the mortgage, less is the interest cost for you.  We work in your best interest to help you achieve mortgage freedom sooner
Do you know Mortgage Life insurance expires when you move out mortgage from the existing Bank? We provide Mortgage Life Insurance that remains intact when you move mortgage from one to another Bank
Are you talking to same person year over year? You are talking to us year over year
How does Bank service you during life of mortgage? We provide sound mortgage advice throughout your journey as a homeowner - regular newsletter on monthly basis, market changes, opportunities to reduce interest cost,  real estate updates and how to build wealth for retirement 

Hope this information provides you with better understanding what we as mortgage brokers actually do. If you are in the market to buy a home, or if your current mortgage is up for renewal or finally, if you are looking to refinance your existing one, contact us today! We would be happy to help you on your path as a homeowner – it is what we love to do.


With current market situation and tightening of mortgage rules by Government of Canada (OSFI), we have access to 20+ big and small banks providing you the mortgage solution and flexibility that meet your personal needs.  We are Mortgage Professionals to help you plan for home ownership (i.e. purchase, pre-approvals, cash back, renewals, renovations), provide step by step guidance to prepare for mortgage financing and implement personalized savings strategies to payoff mortgage sooner.  There is no cost for our expert services and to seek for professional help you can CONTACT US.

CALL US NOW 1-888-927-8270



Total amount raised
Updated: 01/22/21
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