Why Use a Select Mortgage Broker Like Me?

Select Mortgage Brokers are truly "independent"- Unlike many other mortgage companies, Select Mortgage is Canadian and based in Victoria, BC.  We are not owned by a financial institution and we employ local brokers who understand and serve the communities where they live.

We have more options - Your bank or credit union has one set of mortgage products and mortgage rates to offer. Select Mortgage offers the mortgage products of over 40 mortgage lenders (see Lender List) and are not tied to any one lender.  Mortgage rates and products vary and some lenders are better at financing different situations than others, and we can help match the lender with your needs.   See Mortgage Options  and Mortgage Basics for descriptions of mortgage products.

We're big enough, but not too big - Select Mortgage offers the balance of being small enough that each customer is very important to us, and yet big enough that we can negotiate favourable mortgage rates because of our volume, and do business with some large lenders that will not deal with small firms. 

We're a growing trend - In Canada, approximately 1 in 4 mortgage borrowers are using a broker, and almost 1 in 3 in BC. Mortgage brokers are not just for those with bumpy credit histories. Our clients include average families, professionals, first time buyers, self employed workers, vacation home buyers, rental home buyers, and clients from all backgrounds.

We are Licensed Professionals - We are licensed mortgage consultants and members of the Mortgage Brokers Association of BC. All business carried out is governed by strict professional rules designed to ensure that the advice that clients receive from us is impartial and suits the individual client's needs. Licensing is not required of mortgage representatives in most traditional financial institutions.

We are paid by the lender - In most cases, residential mortgage brokers are paid by the lender where we place the mortgage, and not the client. The pay is based on the size of the mortgage - not the mortgage rate, and our brokers work hard to get their clients the best mortgage at the best mortgage rate.

We're not going to sell you a chequing account - Unlike your financial institution, we won't try to sell you other products like a chequing account, a credit card, an ATM card, a safety deposit box, and we won't ask you to transfer in deposit accounts either, because we're not in that business. We do a great job on mortgages (with optional mortgage insurance) and that's it!

Whether you're a first time home buyer, renewing an existing mortgage, refinancing, buying a rental property, or looking for ways to pay off your mortgage early, I will be able to help answer your mortgage questions.