Ed's Mortgage Referral Service

Have a question? Please call us or send us an email.

Phone: (905)846-9998

This is a free service to the public with no cost of obligation. It is mainly focused on mortgages that work for the Smith Manoeuvre. Just answer the questions and we will refer you to our contact for the mortgage we believe is the best choice for you.

We have contacts for every mortgage that works with the Smith Manoeuvre and know the pros and cons of all of them from experience. This includes the mortgages only available directly from banks, those only available from mortgage brokers and those available from financial planners.

We also actively and continuously negotiate between our contacts for you, so that you will always get our best possible mortgage rate and lowest possible costs without having to negotiate.

We may also be able to save you money by helping you choose the right type of mortgage. At any point in time, we have an informed opinion about which mortgage is the smartest choice. We have seen the studies that show that variable or 1-year mortgages save you money over a 5-year fixed mortgage 89-100% of the time, so we may help you avoid wasting money by avoiding the “5-Year Fixed Mortgage Trap”.

Please note that we are not mortgage brokers and receive no commissions for this service. This is a mortgage referral only, so we do not have the bias to use long term mortgages that is common in the mortgage industry.

We do not disclose your information to any other organization(s) to use for their own purposes other than for the purpose of referring your mortgage and in particular will never sell or trade your personal information.

If your mortgage is not due and you are not sure whether or not paying a penalty to get out of your current mortgage will save you money, please see the “Ed’s Mortgage Breaking Calculation” page.