Using a mortgage brokerage provides a level of choice that is not available from any bank. Banks offer their own rates and do not have the capability or inclination to show you rates and terms available from other lenders. It is often the case that non bank lenders are offering the best rate and terms for your situation. Banks are often reluctant to lend to the self employed or small business owners. This can be because income streams are not as constant as those for someone working as an employee of a larger corporation. This can make home ownership more difficult and result in lost business opportunities because of the lack of access to sufficient credit. We have access to lenders that regularly lend to the self employed and business owners.
Thomson & Company Mortgages sources mortgages from numerous lenders, including banks, credit unions, and non bank lenders. We can arrange mortgages for residential and commercial properties.
All of our agents/brokers are registered with Centum Financial Services LP (FSRA#13054).
Thomson & Company Mortgages is a division of Thomson & Company Financial Services Inc. (TCFS). TCFS is a financial services holding company that is expanding its product offerings and scope of services through multiple subsidiaries. The firm’s goal is to be able to offer Canadians financial products and services in a highly personalized non banks setting.