Regina Mortgage Brokers and Agents

To secure the best mortgage rates in Regina, contact a mortgage broker or agent in your area. Using a local broker gives you the ability to meet in-person to discuss your needs and concerns and gives you access to the best mortgage rates offered by banks and lenders across Canada.

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Best Mortgage Broker Rates In Regina

Mortgage brokers offer better rates than the big banks. Find the broker in Regina with the best mortgage rates.

Best fixed rates 4.54% Compare Rates Now

Mortgage Broker Advantages

Using a mortgage broker poses many benefits, some of which includes:

  • increased exposure to lenders, mortgage products and rates
  • only need to pull your credit report once to compare multiple rates compared to multiple times if you conducted your own search (your credit report would be pulled by each lender you go to)
  • the mortgage broker can negotiate on your behalf and pass on some of their volume discounts to you
  • greater flexibility when finding a time to meet with your broker in-person as mortgage brokers usually have extended hours, outside of the typical bank business hours
  • access to your mortgage brokers large amount of industry knowledge as they are not limited to products from one lender
  • free service, as mortgage brokers are paid by the lender that provides your mortgage

Mortgage Broker Association

As provincial associations are not mandated, the majority of Regina mortgage brokers belong to Mortgage Professionals Canada (formerly CAAMP). Mortgage Professionals Canada is a national mortgage broker industry association which ensures ethical and professional standards are maintained.

Mortgage Broker Licensing in Saskatchewan

For Regina mortgage brokers to be able to conduct business, they must meet the education and experience requirements outlined by the Financial and Consumer Affair Authority of Saskatchewan. This includes 24 months of experience, the completion of an approved mortgage broker education course, and a criminal record check. The Financial and Consumer Affair Authority of Saskatchewan enforces the Mortgage Brokers Act and Regulations to protect the public and betters the mortgage broker industry.

Other Professional Ties

When purchasing a new home or property in Regina you will come into contact with multiple professionals all who play different roles in the purchase process. The main individuals you will work with are realtors, home inspectors and real estate lawyers.

  • Realtors are overseen by the Real Estate Council of Saskatchewan. They have access to home sales data and can help you find the right property and negotiate with the seller on your behalf.
  • Home Inspectors provide home inspections to determine the condition of the property. A home inspection will allow you to determine the required maintenance and repairs need on your property. To be a licensed home inspector in Saskatchewan you must meet the requirements laid out by CAHPI Saskatchewan (Canadian Association of Home & Property Inspectors).
  • Real Estate Lawyers execute all legal documents such as a purchase agreement and mortgage agreement, and ensures your rights as a buyer are upheld.

Mortgage Brokers Across Canada