About Us

About Us

We Know Mortgages!

Why Hosper Mortgage?


The ideal mortgage loan is more than just having the lowest interest rate. The real solution is more complex than typically what you see advertised, and we are here to guide you through the process so that first-time home buyers can truly benefit from the low interest mortgage rates on offer.

At Hosper Mortgage, we have the experience to see how various mortgage loans work for our clients over the long-term. We can help develop a tailored plan that not only includes the best possible mortgage rate, but is structured to work for you over the course of your home ownership. We navigate transactions, find opportunities, and resolve challenges with greater efficiency and creativity than your average mortgage broker.

We can direct you to find information, rates and tips according to your mortgage scenario, to help you in securing your mortgage, refinancing or loan.

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Helping you find the Right Mortgage with Best Rates!

Why Use a Mortgage Broker?

We Work for You

A mortgage broker works for you, not the bank. You get a tough negotiator in your corner that will be more accessible through the entire mortgage closing process and beyond. Hosper Mortgage ensures you are taken care of.

Better Rates

When comparing mortgage brokers vs. banks, the first thing most people will consider is interest rates. Mortgage brokers will often have the lowest pricing available for fixed-rate and variable-rate mortgages.

save you time & money!

A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly.

Best Products & Services

We offer a wide array of products, tools, and services built from years of experience in the Canadian mortgage industry. Speak with one of our representatives to find a tailored solution for your plans and lifestyle.

Mortgage Experts

In addition to better rates, because mortgage-based financing is the broker's primary business, he or she has developed expertise in what type of mortgage financing each lender prefers to pursue.

Endless Resources

Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

FAQ

Frequently Ask Questions

Can I Get A Mortgage to Pay Off Debt Or Renovate My Home?
Yes!

Mortgages can be obtained for several purposes, including financing home renovations or to consolidate credit card debt. You can also borrow against the equity in your home to invest in the stock market or your own business. There are hundreds of possibilities!
What Is A Pre-Approved Mortgage and What Are Its Benefits?
A pre-approved mortgage is one that provides an interest rate guarantee from a lender for a specified period of time (usually 60 to 90 days) and for a set amount of money. The pre-approval is calculated based on information provided by the borrower and is subject to certain conditions being fulfilled before the mortgage if finalized. These conditions usually include factors such as a written confirmation of employment and income among other things. Many brokers recommend their clients have a pre-approval as this gives a clear idea of the affordable price range when hunting for a new home.

There are many benefits of getting a pre-approval. First, a pre-approval gives you an idea of what you can afford, helping you narrow your search for a new home. It also provides clarity on what your monthly payments will be for the term of the mortgage, and it allows you to lock in an interest rate.
What Is the Difference Between Fixed, Variable, And Adjustable Rate Mortgages?
With a fixed rate mortgage (FRM), the interest rate is locked-in providing a consistent payment for a set term which typically ranges from 6 months to 10 years. An FRM is often selected for peace of mind and certainty of interest rate over a certain period of time.

A variable rate mortgage (VRM) is similar to a FRM in that the payments are fixed for the term of the mortgage but because the interest rate is subject to change, the amortization period (total number of years to pay off) will increase or decrease. If interest rates drop, more of the payment goes towards reducing the principal and if the rates go up, a larger portion of the payment goes towards covering the interest.

Deciding on the right mortgage is best done in consultation with your trusted Hosper Mortgage Agent.
Lenders

a few of our amazing lending partners