Why Use a Mortgage Broker?
It Costs You Nothing
Our service is free to you. The lender pays our fee — the same way they pay their own staff. You get expert advice at no additional cost. (In certain situations a fee may apply — we tell you this in advance before any work is done.)
of Lenders. One Best Fit.
The Canadian mortgage marketplace includes major banks, credit unions, trust companies, and specialty lenders — each with different rates, terms, and qualification criteria. We help you navigate this landscape to find the best options for your unique needs.
We Work for You, Not a Bank
Bank staff have sales targets and represent one institution. We're licensed professionals regulated by the BCFSA, with a legal obligation to act in your interest.
A bank mortgage representative can only offer you their bank's products. If their rate or terms aren't the best fit for you, they can't tell you that. We can — and we do, routinely. In many cases we secure rates lower than what the banks offer their own walk-in clients, because we bring lenders volume and they compete for our business. Our advice includes not just rate, but product features — prepayment privileges, portability, penalty structures — that can save or cost you thousands over your term.
Wise Victoria Mortgages is an independent mortgage brokerage not tied to any specific financial institution. We have several decades of experience and the knowledge required to provide you with sound financial advice related to your real estate. With access to a multitude of mortgage products available on the market today, we work on your behalf to provide you with the financing suited to your unique situation.
Our Services
Buying a Home
Refinancing & Renewals
Specialized Solutions
Investment & Commercial
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Every situation is unique. Tell us yours and we'll point you in the right direction — no obligation, no cost.
Contact Us 250.388.9473