Mortgage Brokers
At Mortgage Teacher, we know that finding the right mortgage can have a major impact on your lifestyle and help you become mortgage-free sooner. Each one of our brokers and agents will guide you along and help you find the best mortgage to suit your circumstances. we educate you with an exclusive library of resources to help you make smart mortgage choices. We then shop for you at major banks, credit unions, trust companies, and other lenders to negotiate the best rates and terms, saving you time and money.
Let our mortgage brokers teach you
Our mortgage brokers provide you with unbiased loan advice and the opportunity to compare the many mortgage products available in today's marketplace. Your mortgage professional negotiates with lenders on your behalf to get you the mortgage you want. You save time and money, so you can pay off your mortgage sooner.
Best of all, most services offered by mortgage brokers are FREE!
Meet our mortgage specialists
At Mortgage Teacher LTD., we know that finding the right mortgage can have a major impact on your lifestyle and help you become mortgage-free sooner. Each one of our brokers and agents will guide you along and help you find the best mortgage to suit your circumstances.
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Jill Houston
MORTGAGE AGENT, AMP
LONDON, ONTARIO
Placing over $300 million in residential mortgages over her 18 - year career, has earned Jill Houston the recognition as one of London's most trusted Mortgage Agents.
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Wes Pauls
MORTGAGE AGENT/TEAM LEADER
HAMILTON, ONTARIO
Real Estate and mortgage financing is in Wes' DNA. Coming from a family of generations of realtors, real estate investors and business owners and with over 15 years experience on his own, Wes has placed over $400 million in mortgage financing.
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Patrice Gooding
MORTGAGE AGENT, AMP
BRAMPTON, ONTARIO
Patrice Gooding, an Accredited Mortgage Teacher, Toronto, London, Mortgage Agent.
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Lindsay Bishop
MORTGAGE AGENT
HAMILTON, ONTARIO
Whether you're buying your first home, wanting to pull out some money to do renovations or want to set up a plan to buy a home in the future, I'm here to help. I'm free to meet or talk on the phone about your options.
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Lindsay Stokoe
MORTGAGE AGENT
HAMILTON, ONTARIO
I’m driven by the customer experience and will ensure you are in capable and knowledgeable hands from start to finish.
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Michael Mullis
PRESIDENT, PRINCIPAL BROKER
LONDON & DORCHESTER, ONTARIO
My mission has always been to educate my clients so they are comfortable through every step of the buying process.
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John Heath
MORTGAGE BROKER
KITCHENER, ONTARIO
I'm an experienced mortgage broker based in Kitchener. My clients are first and foremost in everything I do. I'll work on your behalf to find you the best mortgage rates.
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Brendan Crosby
MORTGAGE AGENT
LONDON, ONTARIO
Brendan has always had a passion for helping others and is highly driven with everything he does. Brendan is eager to create relationships and help new friends with all their mortgage needs!
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Tina Morrison
MORTGAGE AGENT
COLLINGWOOD & SURROUNDING AREA, ONTARIO
Tina is an experienced Mortgage Agent located in the Collingwood and surrounding areas for over 3 years. I focus on saving my clients time and money by shopping around for the best interest rates.
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Trevor Kearns
MORTGAGE AGENT
HAMILTON, ONTARIO
Trevor has been in the financial services industry for over 18 years. Having worked for a number of banking institutions in numerous customer facing roles, Trevor brings a vast amount of knowledge and experience to the Mortgage Broker industry.
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Melissa Martin
MORTGAGE AGENT
BRANTFORD, ONTARIO
Customer care, satisfaction, education and success are at the forefront of everything I do.
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Ashley Grieve
DIRECTOR OF CLIENT CARE
LONDON, ONTARIO
My clients are first and foremost in everything I do.
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Stephen Monaghan
MORTGAGE AGENT
ORANGEVILLE & GUELPH, ONTARIO
Stephen is an experienced Financial Advisor located in Orangeville and surrounding areas for over 18 years. He is passionate about financial planning and advising his clients of all ages and backgrounds on how to better manage their hard earned money to ultimately build a great future for themselves and their families.
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Phil Goodson
MORTGAGE AGENT
BURLINGTON, ONTARIO
Phil has been in the business for over 25 years. Through his experiences, he has been introduced and able to work with so many different people and able to develop so many great relationships in the mortgage industry.
Questions Everyone Should be Asking
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Quite simply, a mortgage agent or specialist works for a financial institution or brokerage firm. Either of these designations can source and place mortgages for you. A mortgage broker provides the same services but either owns, or can own a brokerage company. There are just different levels of licensing under the Mortgage Brokerages, Lenders and Administrators Act.
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The best way to find a reputable mortgage broker in your city is to ask your family and friends. Usually, everybody knows somebody. If that's not an option, ask a realtor you may know or do a web search — many brokers have online profiles with testimonials, reviews, and biographies. Mortgage Teacher can help you find a broker you can trust to provide you with a variety of options based on your needs.
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The short answer is "zero!" There should be no fees to use a mortgage broker's services because mortgage brokers are paid by the lenders when a deal closes. But in some cases, when there are extremely difficult deals to put together, brokers may charge a variety of fees. In Ontario, the law requires mortgage brokers to disclose all fees up front, before a binding mortgage agreement is signed. For more information on specifc fees that may be charged please see this article.
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A real estate agent is licensed to research, show, and negotiate the purchase of a home on your behalf. A mortgage broker is licensed to research and negotiate mortgage financing for the purchase of your home, on your behalf, with a variety of lending institutions.
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Instead of having to meet with several financial institutions to research and negotiate the best mortgage, a mortgage broker does all of that for you. Mortgage brokers — like those here at Mortgage Teacher — also have access to all available lenders, whereas banks are often restricted to sell only their own mortgage products. You don't necessarily need to use a mortgage broker, but if you are inexperienced or shy of negotiating and would prefer more flexibility to find the best rate, a broker is definitely a good option.