Get the Mortgage You Deserve

Banks can only offer you their own mortgage products. As a broker, Maximum Mortgage works with multiple lenders — including banks, mortgage lenders, credit unions, and private lenders — to shop the market for you. This gives you access to more options, more flexibility, and often a better rate.

Yes, your credit score helps lenders assess your ability to repay a mortgage. A higher score generally means better rates and more options — but if your score is less than ideal, don’t worry. We work with lenders who offer solutions for bruised credit or non-traditional credit files.

In most cases, our services are completely free. We’re paid directly by the lender once your mortgage is finalized. If your situation involves private or commercial lending, we’ll be upfront about any fees involved — no surprises.

A fixed-rate mortgage gives you the same interest rate and monthly payment for the full term — great for stability and budgeting. A variable-rate mortgage typically starts lower but can fluctuate with the market. We’ll help you decide which option aligns best with your goals and risk tolerance.

When your mortgage term ends (usually after 1–5 years), it’s time to renew. Many homeowners simply re-sign with their current lender — but this could cost you more. We’ll shop the market before renewal to ensure you’re still getting the best possible rate and terms, and we’ll help you switch if it makes sense.

Our usual rate holds are for 4 months. We can lock rates in for longer, but there will be a rate premium added onto the rate for providing an extended rate hold to the client.