RC
Roger CarrollUnclaimed
Mortgage Broker · Real Mortgage Associates
Financial Services Regulatory Authority of Ontario (FSRA)FSRA#M08003074
Waterloo, ON
A thin Canadian credit file is not the same as bad credit. Newcomer programs exist at most major lenders, with different rules on down payment source and permanent residency status.
The brokers below work in Waterloo and have told us they take these files on. Each one shows a licence number issued by the Financial Services Regulatory Authority of Ontario (FSRA), check it before you make contact. Contact details are held back deliberately: the connect button sends your enquiry to that broker alone, and it is never resold.
No new to canada brokers listed in Waterloo yet
This page fills in as professionals claim their listings. Try a nearby city, or a broader need.
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Unclaimed listings. They haven't told us which situations they handle, so ask when you get in touch.
Questions people ask
How do I check a Waterloo mortgage broker is actually licensed?
Every listing shows the regulator and licence number. In Ontario, look that number up on the Financial Services Regulatory Authority of Ontario (FSRA) public register. If a broker cannot give you a licence number, that is the end of the conversation.
Does a new to canada file cost more?
Sometimes. A thin Canadian credit file is not the same as bad credit. Newcomer programs exist at most major lenders, with different rules on down payment source and permanent residency status. Whether the rate differs depends on which lender the file ends up with, not on the broker you choose.
Does the broker pay to appear on this page?
No. Position on this page is set by profile completeness and listing age. Sponsored placements exist elsewhere on the site and are always labelled as such.
What happens after I send an enquiry?
It goes to the one broker you selected. It is not copied to other brokers, sold to a lead buyer, or passed to a lender. Most brokers reply within one business day.
Do I have to use a broker in Waterloo?
No, but it helps. Local brokers know which lenders are comfortable with property in Waterloo, which appraisers get used, and how long closings realistically take in this market.