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It's not really a choice -- mortgage brokers will find you a better mortgage, but the mortgage will be with a bank (or credit union, etc.).

Mortgage Broker or Bank - Ontario

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Time to Make a Decision: Mortgage Brokers vs. The Banks

Well, actually, if you're trying to decide between mortgage brokers and banks, then it's time to get a few facts straight.  Many people think that while banks are:

  • less approachable
  • more strict about credit
  • more inclined to offer higher interest rates

... that there must be some compensating positives to working with the banks.  There are not.  Mortgage brokers will be

  • more friendly, fun, and approachable
  • less strict about credit
  • better at finding lower interest rates

So if you're looking for a bank to work with, click here.  If you're looking for a mortgage broker to work with, click here.

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