Halifax Mortgage Brokers

Your better mortgage is why we're here.

Our highly trained mortgage brokers in Halifax are the best. Our home-grown values are yours, our idea of client service will make your day, and we'll go to the (sea) wall for your mortgage needs.

Every mortgage is different. Salaried and non-commissioned, we know your area and can help you get your lowest mortgage rate. See a super-low rate online? It can come with hidden fees and restrictions that surprise you later (not in a good 'savings' way). With us, your great rate is paired with more flexible options that help you reach your mortgage goals.

The bank? They'll only show you their limited mortgage products and the 'best' rate they feel like offering you (because they're big and intimidating). We can often create a customized solution to fit complex mortgage needs simply and stress-free.

Whether you're a first-time buyer, looking for your next home, or need a renewal or refinance, we're the mortgage relationship you'll come back to because we care, and we help you save cash.

Want a simpler way to save on your mortgage? Give us a call or drop by today.

All mortgage-saving signs point to True North.

Lower rates ahead.

We regularly beat the competition (big banks and other MFC lenders) by 0.20% on average. We're obsessed with providing your best rate because it can save you thousands over your mortgage term and help give you a leg up on other expenses or the budget room to spend it elsewhere.

Amazing client reviews wave you in.

We really know mortgages, and it shows in the over 15,000 5-star reviews we have from our amazing clients – no one in the industry comes close. More than helping Canadians save thousands, we demystify the mortgage process and solve complications quickly and professionally so that you don't ever have to shutter at the word 'mortgage.'

Great tech helps green-light your process.

With our modern tools and tech, getting a mortgage online is easier than ever. Our user-friendly online application form and great calculators offer you seamless help, while our behind-the-scenes contact system keeps you updated and stress-free — no matter how you do your mortgage with us.

Expert advice fuels your savings.

Our expert brokers put your needs first and provide mortgage advice in your preferred language. You'll eliminate haggling with the lenders, and because we're salaried and non-commissioned, you get unbiased guidance you can trust.

Contact us today or schedule a call-back at a time that works for you!

Halifax's Best Mortgage Rates

Did you know? Our rates are lower.

Whether you're investing in a first home, income or vacation property, our lower rates can help save you thousands. Your expert broker deals with accredited lenders on your behalf, finding the best rate (for which you qualify) and lowering it with a volume discount that we pass along to you. Even a fraction lower can make a big difference in your mortgage amortization to save on interest.

Your best rate depends on your application factors, such as income, debt level and credit standing. We can offer strategies and advice to help you get a better rate and save more.

Fixed or Variable Rate? We help you weigh the pros of each.

Deciding between a fixed or variable-rate mortgage can be tough, but we're here to help. We'll go over the details of each rate type to help you choose the best fit. Are you looking for stability? A fixed-rate mortgage might be the way to go. But if you're comfortable with some risk in changing payments, this choice could potentially save you more in the long run.

Talk to us, hold your rate.

Halifax mortgage rates can fluctuate — contact us, and we can hold your mortgage rate for up to 4 months (depending on the lender). Then breathe easier while we work with you to find the right mortgage fit.

Need a renewal reminder? It's right here. Make sure you seize the opportunity early so we can get your best rate and product choices to save more during your upcoming term!

Halifax: Housing market still offers high value.

Halifax is Canada's 13th most populated city (with an early 2023 count of over 372,000) and the largest centre in Nova Scotia. A major economic centre next to the Atlantic Ocean, its housing market took off during the pandemic and remains strong compared to other Canadian Centres. A continued inventory shortage is expected to buffer home prices from the cooling effect of higher rates.

In the Halifax area, here are some helpful mortgage tips and advice:

• Housing Stats
• A guarantor and a co-signer? Here's the difference
  
• How much do you need for a down payment?
• What is portability?
  
• Should you skip a home inspection?
• Where are home prices going?
  
• Watch Out For Mortgage Traps
• How does different debt affect your approval?
• Bond yields influence fixed mortgage rates
  
• Atlantic Historical Mortgage Rates