“With less than 2 weeks to our closing date we contacted Casey to arrange our mortgage for a home purchase. He truly was amazing and efficient. He managed to arrange our mortgage on time and at a very low rate. This was our first time using a mortgage broker and we would highly recommend Casey to anyone looking for a mortgage.”


Hamid & Fozia Sankhar, Milton, Ontario


“Honesty, integrity, and professionalism are the three words that come to my mind when I hear Casey’s name. He has provided my clients over the years with the highest level of service and they always thank me for introducing them to him. Casey truly goes above and beyond.”


Deborah Robinson, Real Estate Agent – Royal Lepage


“Working with Casey was an absolute pleasure from the beginning to the end.  Not only did he secure us a much better mortgage rate than the bank we’ve been with for over 15years, but he also helped us create a financial plan to help us to pay off our mortgage faster while creating wealth at the same time.  We’re very excited about working with Casey in the future and look forward to referring him to all of our friends and family.”


Peter & Lorraine Verners-Rufh, Oakville, Ontario


“Purchasing our first home was a little nerve racking at first, but after speaking with Casey we felt completely at ease as we new we were in good hands.  Unlike our bank who took more than 2 days to call us back, Casey was always available to answer our questions and concerns no matter when we tried to reach him. Casey you made our first home purchasing experience a very pleasant one, and we really appreciated your advice regarding our life insurance options as well.  Thanks for everything…you saved us a lot of time and stress!”


John & Allison Botero, Mississauga, Ontario


“I have nothing but amazing things to say about F1RST CHO1CE Financial Group. Not only are Casey & Wayne extremely helpful and patient, but they’ve always taken the time to explain all my available options and make recommendation that would help me best attain my goals. I would recommend F1RST CHO1CE to anyone looking to plan for their future.”


Wilfido Rodriguez, Brampton, Ontario


“My wife and I have been clients for several years now, and in that time, we’ve conducted numerous transactions with both Casey and Wayne from mortgage refinancing to life insurance to managing our investments. These individuals have demonstrated that they have superior knowledge of their respective products and are able to deliver them with exceptional customer service. I have found that this combination is a rarity these days, and as such, I whole heartedly recommend their service to both friends and family with confidence.”


Clifton Sookdeo & Shelly Sharma, Caledon, Ontario



Mortgage Rate Shopping

With Internet, shopping for mortgages and comparing rates from various mortgage companies has never been easier. Consumers know to look for low rates and all of the top mortgage websites try to show them exactly that. Unfortunately, with the vast amount of the information available and inability for every website to maintain it properly, much of the information out there can be weeks or months out of date.

Likewise, the tendency for Internet companies to sell your information makes putting your personal information online dangerous. So who do you trust?


When shopping for a mortgage online, be mindful of the following:

Privacy Policies, PIPEDA and P3P Compliance:

Trustworthy Internet companies take your privacy very seriously. For all companies that you deal with online, view their privacy policy. A privacy policy outlines a company’s commitment to maintaining your own personal privacy while using their services. Shady and otherwise untrustworthy companies have questionably vague privacy policies, and may very well sell the private information that you provide them to third parties. This information can be used for anything from unsolicited advertising to identity theft. For this reason, it’s very important to choose a company that does not sell your information and is compliant with the Government of Canada PIPEDA regulations. If your browser supports it, much of this information can be quickly obtained through P3P, saving you valuable time.

Local, Provincial and National Licensing:

The practice of mortgage brokering is regulated in many jurisdictions. In most provinces it’s illegal to act as a mortgage broker or agent without being licensed by the province’s regulatory agency. The same applies to lending institutions operating in Canada. So when shopping for mortgage rates online and choosing a company, make sure that the rates you’re looking at are on mortgage products actually available to you, and that the company offering them is licensed nationally or in your province so that they can legally provide mortgage services for you.

Product Expertise and Business Partnerships:

Great Canadian mortgage brokers will provide a lot of detail about each product available and the rates available through their company. They won’t hesitate to show you with whom they do business, as their business relationships are essential to sourcing out the best and lowest mortgage rates. Choosing a mortgage product will be a decision based on the rate, mortgage features and your familiarity with lending institutions. It’s important to find a mortgage professional who knows their business and who can give you the maximum number of options to choose from.

While choosing a bank for its reputation might initially seem like the most sound decision, don’t make the mistake of believing that they are the best source for mortgages in Canada. Banks try to offer their clients posted rates, which are typically 1.50% higher than rates provided by great brokers. Sticking with a broker when shopping for a mortgage will ensure that you receive the best mortgages and rates in Canada.

Bank Mortgage Rates:

When looking for the best mortgage rates in Canada, you may come across several banks that advertise the best mortgage rates in Canada. This is not accurate. Here is what the big banks are really offering:

- Bank mortgage rates are always higher, sometimes up to 1.50% higher.

- Bank rate specials often expire in 30 days or less.

- Special rate offers can be withdrawn without notice.

- Bank mortgage rates usually have some hidden cost to them or the effective interest rate isn’t really as advertised.

- Bank mortgage rates must be qualified using a much higher interest rate, which means that you may qualify for a new mortgage but the mortgage amount will be far less than you can get through a mortgage broker offering the best rates in Canada.

Bank Mortgage Rates are Not Always The Best:

Banks like to say they have the best mortgage rates in Canada but if you are lucky enough to actually receive a competitive rate from them, it is usually after weeks of negotiation and stress. Who needs that? Canadian mortgage brokers cut to the chase and provide the best possible mortgage rates up-front and for free.

Please do not waste your time talking to banks. They will independently check your credit, offer you higher interest rates and delay the process. You deserve better. Qualified mortgage brokers can offer more options, expert advice at a much lower rate.




At F1RST CHO1CE Mortgage Solutions we’re passionate about sharing our knowledge, experience and unbiased opinions with borrowers who are looking for a trusted advisor to help them with their financing options.

ANY QUESTIONS?…Contact a Mortgage Advisor today!