You might receive the lowest rate your ‘bank can offer’ to it’s loyal customers but unfortunately this does not mean that this will be the lowest rate available in Canada . Typically, your bank will offer a mortgage broker an even a lower rate because we do many mortgages and are competitive with our rates. So before you sign your bank’s rate offer, give your Mortgage Broker a call just to see if we can get you a better mortgage to suit your needs. The reality is your bank is here to make money, even on its preferred customers and they always try and sell you a higher mortgage. We give you our best mortgage the first time, no games.