For borrowers in Canada, using a mortgage broker is almost always free because the lender typically pays the mortgage broker directly, separate from the mortgage itself. This means you can access a wide range of mortgage products and expert advice at no cost to you. In some rare cases, a fee may be charged if a private lender is involved, but this is always disclosed very early in the process, ensuring transparency and no unexpected costs.

Working with a mortgage broker not only provides cost-free services but also helps you secure the best possible mortgage rates and terms.