Welcome to Haystax Mortgage!
Updated: Jul 21, 2022
At Haystax our goal is to find you the lowest rate mortgage, and the best product so you can achieve your dreams.
Ethical Advice. Low Rates. Friendly Service.
When you are looking for a mortgage it can be a very stressful time. There are so many lenders and products, how are you supposed to know which one is right for you? With Haystax Mortgage the answer is simple. We do the work for you, provide you with advice based on your needs and unique situation, and then secure the right mortgage to give you peace of mind.
Did you know that you can apply for a mortgage with Haystax Mortgage from anywhere you can connect to the internet?
Ethical Mortgage Advice
For some mortgage professionals it is all about closing "deals" and the result is customers are often treated like a transaction. The mortgage you get needs to reflect your current financial circumstances, but also provide safeguards when unexpected things happen, and allow you to reduce the mortgage to achieve your goals faster.
At Haystax Mortgage we believe that this is much, much, more than just a simple financial transaction. You are trusting us with your home financing, which for most is the largest financial transaction they will ever do. That means you need to trust that the advice you receive is about more than just getting a mortgage and your broker getting paid their commission.
Lowest Mortgage Rates Possible
Most people only see the rates that are posted everywhere online, and while it is great to have that information rates are not all equally available for all mortgages. Things like your credit rating, personal financial situation, the property, and the use of the property all impact the rate you get for the mortgage you are seeking.
At Haystax Mortgage we will do everything in our power to secure you the absolute lowest mortgage rate for your needs, and if we can we will always beat the banks.
If you are worried about having to pay a fee for our service, we are happy to let you know that in the vast majority of cases we do not charge for our services. Mortgage lenders in Canada pay us what is known as a Finders Fee for placing your mortgage with them. Fees in Canada vary, but typically on a 5 year mortgage a broker will earn between 1/2 a percent to 1 percent of the final mortgage amount that the lender funds.
Lenders do not add this cost to your mortgage, and they do not increase your rate to cover this. A mortgage originated through Haystax is much sought after by lenders for their quality, and with lower overhead costs, lenders are happy to pay a finders fees to mortgage brokers. What that all means is that if you have any questions or concerns about your current financial situation as it pertains to your mortgage, Haystax Mortgage is here to assist you at no charge.