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Not always. For traditional A lender mortgages (major banks and prime lenders), mortgage brokers are typically paid by the lender, so clients are not charged a broker fee — and we are not allowed to charge one. Broker fees may apply for B lender mortgages or private mortgages, depending on the situation and lender requirements. Any applicable fees would always be discussed with you upfront.

A mortgage broker compares options from multiple lenders, while a bank can only offer its own products. This means working with a mortgage broker provides access to better rates, more flexible terms, and mortgage options tailored to your situation, not a one-size-fits-all solution.

Your mortgage affordability depends on factors like income, debts, credit score, down payment, and current interest rates. While online calculators can give a rough idea, a free mortgage assessment provides a more accurate picture of what you truly qualify for and can afford.

Yes. A mortgage pre-approval helps you understand your budget, lock in a rate, and strengthen your offer when buying a home. It also prevents surprises during the purchase process and gives you confidence when house hunting.

Any credit score can potentially qualify for a mortgage — it mainly depends on which lending category you fall into.For traditional A lenders and major banks, a credit score of 650 or higher is typically preferred.If your score is below that range, there may still be options available through B lenders or private lenders, depending on your overall financial situation.