Your lending institution will only advise you on their product. You could visit every institution out there, one by one if you had time… Or, you can talk to a mortgage broker who will shop and negotiate the best mortgage for you with their many available lenders, including ones you would not consider on your own. On top of this, a good mortgage broker won’t put your mortgage to sleep for 5 years, they will proactively look for further solutions that will save you more money on top of the fabulous package you got in the first place. This ongoing strategic management of your mortgage file, teamed with using your mortgage as a strong financial tool to address life objectives and future plans, is the real advantage of having a mortgage expert on your side. Our main interest is to take you where you want to be, today and tomorrow, regardless of what life throws at you.