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Lender
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Mortgage Architects

Finanso.Multilogin™

About lender

Mortgage Architects is an established national mortgage brokerage in Canada. They assist homeowners in comparison of mortgage rates and privileges, design a mortgage based on their needs, and understand how to make your mortgage work for you.

They work with the broker's network — you can choose your province and mortgage broker to work with using Broker Search at the official website.

The company could offer over 50 lenders to choose the best mortgage rates and options. It could take you a couple of minutes to be pre-qualified for a mortgage through the mobile app or website.

Mortgage Architects is a full-service brokerage that has helped more than 150,000 Canadian families with the best mortgage for their own homes. You could apply for a first home buyer loan, home renovation, buying a dream home, vacation property loans, mortgage renewal, debt consolidation, or equity takeout.

The company was founded in Mississauga, Ontario in 2008. The corporation's mission is to help people to achieve their own home ownership with the best mortgage rates and options they could have.

Pros and cons

Mortgage Architects helps homeowners in Canada to find and design mortgages based on their interests. The home loan process, especially for the first time, could be confusing, and using the Brokerage services seems attractive, but look through this pros and cons review carefully to decide whether this mortgage solution suits you best.

Pros

  • Easy, secure, and quick online application

  • Over 50 lenders and their options

  • Convenient mobile app

  • A network of mortgage brokers to choose from

  • Mortgage variants picked up individually

There are important perks, but explore some drawbacks you should know before the deal.

Cons

  • You must carefully review the agreement and any documents before submitting it. Because different mortgage brokers and lenders have various conditions, options, and terms. It's always up to you what to choose to save your money.

  • Also, there could be fees like Brokerage fees that may affect your final expenses.

There are advantages and disadvantages of Mortgage Architects, but please note: you shouldn't fully rely only on the broker — try to calculate your debts, income, fees, and liabilities by yourself to choose the best mortgage solution. Understand your possibilities and future goals.

Loan conditions

Mortgage Architects deal with more than 50 lending institutions: major banks, credit unions, trusts companies, and other national and regional lenders which provide mortgage funding. This access ensures the ability to provide the most affordable, appropriate, and reliable mortgage based on clients' needs.

Loan terms vary from 6 months to 10 years, and rates range from 2.80 to 4.95% (could change and conditions may apply).

Mortgages types you could apply for with Mortgage Architects include mortgages for first-time home buyers, home renovation, property investment loans for a dream home or vacation property, equity takeout, mortgage renewals, and debt consolidation.

Methods of a loan funding

With your mortgage broker, you could choose the most preferable lender and get your home loan financed. There are various banks and companies which have their requirements and conditions. The broker will assist you to understand how to make your mortgage work effectively, how to deal with a bank correctly, and how to go through the mortgage process for the first time and save your money.

Reviews

FAQ

What is Mortgage Architects?

It is an established national mortgage brokerage that offers full-service brokerage online in Canada. It has been working with Canadians who want to find, plan and take mortgages based on their needs easily and on competitive terms since 2008.

Who owns Mortgage Architects?

Mortgage Architects is a private corporation with its headquarters in Mississauga, and have regional offices in Vancouver, Laval, Calgary, and Halifax. Its president is Dustan Woodhouse.

How do you qualify for Mortgage Architects?

It's quite easy to be pre-qualified online through the mobile app or website by Mortgage architects. But personal and financial requirements you should satisfy aren't disclosed.

How much can you borrow from Mortgage Architects?

The sum is depending on your creditability and lenders' requirements, and also on the conditions of your mortgage.

Is Mortgage Architects a legitimate company?

Yes, it is. Mortgage Architects is an established national mortgage brokerage and has been working in Canada since 2008. The business has helped more than 150,000 Canadian families with its mortgage solution. The headquarters is based in Mississauga, Ontario.

Its Brokerage Licenses are FSRA (ON) Mortgage Brokerage License #12728 | FCAA (SK) Mortgage Brokerage #316728.

It is widely represented in social media and has accounts on Facebook, LinkedIn, Twitter, Instagram, and YouTube.

Company documents

Privacy Policy
Customer Service Policy

We are here for Canadians like you who are looking to fall in love with their first home, move up to their dream home or vacation property, or renew a mortgage using the equity in a home for everything from renovations to debt consolidation.

© Mortgage Architects

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What to pay attention to when applying for a loan from Mortgage Architects

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes Mortgage Architects from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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