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Up to
$50,000
in mortgage cashback
Great to see a genuine group not taking advantage of home buyers and the ridiculous house prices in TO. Saved lots of money using ZVR!
5 Stars On Google
Most buyers shop for mortgages the same way they shop for flights—by chasing the lowest rate. But the contract rate doesn’t tell the full story; tranfers and baggage allowance matters.
Prepayment penalties, hidden conditions, misaligned terms, and inflexible repayment structures can cost you tens of thousands more than a fraction of a percentage point ever saves.
Your financing strategy is built to complement negotiations and contracts - everything is in sync.
Every contract term is reviewed, so you don’t sign into traps that limit your options later.
Purchase
Buy smarter with cashback, strategy, and legal protection built in.
Refinance
Restructure your mortgage to save thousands in interest and unlock cashback.
HELOC
Access your home’s equity with flexible, lender-vetted credit on your terms.
Switch
Move your mortgage for better rates and perks—without the hidden costs.
Effective Rate
3.69%
Fixed / Variable
Have been recommending them to everyone we come across who is in the market for a new home!
5 Stars On Google
Access full mortgage intelligence across all lenders and banks, with extensive information collected just for you
Compare mortgages, calculate total interest, view your term on a payment by payment basis
Real Calculations - Not A Marketing Material
ZVR Strategic Mortgage
20% down payment assumed to secure best rates
| Comparison | Broker / Bank | ZVR Mortgage |
|---|---|---|
| Mortgage Amount | $800,000 | $800,000 |
| Interest Rate | 4.14% | 3.69% |
| Total Interest | $156,864 | $131,248 |
$25,617
Estimated Interest Savings For Just The Initial Term
We begin with a personalized consultation to understand your financial goals, homeownership plans, and comfort level with monthly payments.
This sets the foundation for a mortgage that fits both your lifestyle and long-term strategy.
Using our real-time market rate sheet, we compare a wide range of lenders and products to find the best-fit options.
You stay in full control while we guide you through the pros and cons of each offer—ensuring transparency and competitiveness.
Once you’ve chosen your preferred lender, we move fast to get you pre-approved. Our efficient process gives you a strong, credible position in the market—so you can shop with confidence.
Beyond just locking in a rate, we help you evaluate total interest over time, structure your repayment plan, and explore options like accelerated paydowns or cashback optimization. Every detail is aligned with your broader financial goals.
As your transaction moves forward, we coordinate directly with legal and real estate teams to ensure mortgage conditions are met and funding is seamless. You get expert oversight with zero last-minute surprises.
Even after you close, we can remain your long-term mortgage partner. Whether you're refinancing, adjusting your repayment plan, or planning for your next property, we continue to provide insights and support—helping you stay ahead and save more.
Frequently Asked Questions
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Do I Have To Get A Mortgage With ZVR?
Is the lowest rate always the best?
Can I use the cashback for my down payment?
Do you work with all banks?
Why are you different from other brokers?