The Jim Payer Advantage

Best Mortgage Rates

BEST RATES: With the large number of lenders I deal with you can be sure to get the best rates and terms to suit your situation.

Personal Mortgage Service

PERSONAL SERVICE: When you call me, you talk to me. I take great pride in dealing with all of my clients personally.

Mortgage Experience

MORTGAGE EXPERIENCE: I have been providing mortgages for my clients for over 10 years and know all the ins and outs.



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Today's Lowest Rates *

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* On approved credit. Some conditions apply.

Not All Mortgages Are Equal

Some of the lowest fixed rates have BIG restrictions. Sometimes referred to as "No Frill" or "Value" mortgages, these deals can end up costing you much more money in the end.

Many of these type of mortgages can not be "ported" from one home to another. So if you buy a new home you would have to break the mortgage and pay the penalty.

Most of these no-frill mortgage products do not allow you to "Blend and Increase". This means if you choose to refinance your home for more money, you may be forced to pay a penalty.

So, when comparing rates, think twice, think smart. Those short-term gains may cost you in the long run.

Canada's Top Lenders

As a mortgage broker, I have access to the best rates at many of Canada's top lending institutions including:

(416) 662-6159
Call me today at (416) 662-6159

How Your Credit Score Affects Your Mortgage

Provide your email address below and I will send you a FREE guide explaining how your credit score affects your mortgage rate, and how you can keep a good credit rating.