Not every file needs an alternative solution. When your income, credit, and down payment are solid, we shop your purchase across major banks and monoline A-lenders to find the sharpest rate available.
Prime purchase mortgages are conventional A-lender home loans offered by major banks and monoline lenders to borrowers with strong, verifiable income, good credit, and standard down payment sources. iDream Financial shops these files across multiple A-lenders simultaneously to find competitive rates, rather than relying on a single bank's in-house offer.
Your bank's in-house rate is one offer. We compare it against the broader market before you commit.
We compare offers across major banks and monoline lenders rather than accepting the first number offered.
Broker compensation is paid by the lender you choose — there's no fee to you for this comparison.
A single application and document set gets shopped across our full A-lender network, saving you the repeat paperwork.
A standard, well-worn path for strong files — done efficiently.
Income, credit, and down payment are reviewed to confirm your budget and lock a rate hold.
Your file is presented to multiple A-lenders to compare rate and terms.
Once you have an accepted offer on a property, we convert your pre-approval to a firm commitment.
Your lawyer completes the legal closing and mortgage funds are advanced on your closing date.
Prime lending suits straightforward, well-documented financial profiles.
Run the numbers on a standard bank-style purchase, including default insurance if it applies.
Standard bank-style purchase math, including default (CMHC) insurance when your down payment is under 20%.
Estimates are illustrative only and do not constitute a mortgage offer or commitment. Actual rates, terms, and figures depend on underwriting and confirmation from your lender.
What buyers ask when their file is straightforward, and they just want the best rate.
Share your income, credit range, and target purchase price to get started.
