Buy Your Dream Home with Confidence
Secure the right mortgage, get expert guidance, and move in stress-free. Our brokers make the home buying journey simple and rewarding.
Access the best rates available
Find a mortgage tailored to your needs
Get pre-approved and shop with confidence
Expert support every step of the way
Why Work With Us?
Lower Rates
We shop multiple lenders to find you the best available financing options.
Fast Approvals
Streamlined application process with quick turnaround times.
Trusted Experts
Experienced mortgage brokers who guide you through every step.
What Our Clients Say
Amazing guy, amazing service. Always available to chat with me, very thorough, and has continued to provide excellent service even to this day (our mortgage was years ago). I will definitely be going with him again when it's time for us to revisit it.
I recently had the pleasure of working with Quinn from Haystax Morgages during my mortgage application process, and I can't recommend them highly enough. From start to finish, Quinn and his team mate Taunya, demonstrated an exceptional level of sincerity and professionalism. What impressed me most was Quinn's ability to provide clear and thorough information at every step. Navigating the mortgage landscape was daunting, but Quinn took the time to explain each detail, answer all my questions, and ensure I fully understood my options. Their transparency and willingness to address my concerns were incredibly reassuring. Overall, my experience was great. If you're looking for a mortgage broker who is not only knowledgeable but also truly invested in their clients' success, I highly recommend Quinn and his team.
I recently had the pleasure of working with Quinn Berry, and I can't recommend him highly enough. Quinn's expertise and attention to detail makes the entire process smooth and stress-free. His professionalism and dedication set him apart, providing an outstanding experience for anyone in need of a mortgage professional. If you're looking for top-notch service and expertise, Quinn is the one to trust. Five stars without a doubt!
How much can I afford to spend on a home?
Your affordability depends on your income, debts, credit score, down payment, and current interest rates. A pre-approval from a mortgage broker will give you a clear budget.
What is a mortgage pre-approval and why do I need one?
A pre-approval confirms how much a lender is willing to lend you, based on your financial situation. It also locks in an interest rate for up to 120 days, giving you confidence while house hunting.
How much do I need for a down payment?
The minimum is 5% of the purchase price for homes under $500,000. For homes between $500,000 and $1,500,000, you’ll need 5% on the first $500,000 and 10% on the remainder. Homes over $1,500,000 require 20%.
What is the mortgage stress test?
The stress test ensures you can afford your payments if interest rates rise. Lenders must qualify you at the higher of the Bank of Canada’s qualifying rate or your contract rate plus 2%.
What's the difference between fixed and variable rate mortgages?
A fixed rate mortgage keeps the same interest rate and payments for your term. A variable rate mortgage changes with the lender’s prime rate, which could mean lower payments—or higher—over time.
Do I need mortgage insurance?
If your down payment is less than 20%, you must purchase mortgage default insurance (CMHC, Sagen, or Canada Guaranty). This protects the lender, but allows you to buy a home with a smaller down payment.
Ready to Step Into Your Dream Home?
Take advantage of today's rates and see how much you qualify for.
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