Stop Paying the Bank Loyalty Tax.
We compare your current mortgage against 60+ lenders across the market to ensure you are always getting the best possible value. Beyond just rates, we align your loan with your immediate needs and long-term financial goals so you stay matched with the right lender for the future.
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Frequently Asked Questions
What does a mortgage broker do?
As your mortgage broker, my role is to help you secure a loan that truly aligns with your goals. By drawing from a wide network of lenders, I can offer far more choice than any single bank can provide. Plus, our relationship doesn't end at settlement—I’ll continue to support you over the life of your loan, making sure it stays competitive as your life and the market evolve.
Should I use a bank or broker?
A bank can only sell you what they have. As an independent broker, I explore products across dozens of lenders to pinpoint the right fit for you. Better yet, brokers operate under the Best Interest Duty (BID), meaning I am legally obligated to prioritize your best interests above all else—something direct lenders aren't required to do.
What is Best Interest Duty (BID)?
Brokers operate under the Best Interest Duty (BID), meaning we are legally bound to act in your best interest. Since banks don't have this same obligation, choosing a broker ensures you have an advocate solely focused on what's right for you.
How will you decide which loan is best suited to my circumstances?
With access to over 60 lenders, we have plenty of great options to explore. By taking the time to understand your goals and priorities, I’ll narrow down the field and present the best matches for you—complete with the pros and cons of each. From there, we’ll work together to choose the loan that fits you best.
Does it cost to use a broker?
In almost all cases, there is no cost to you for our services, as we are compensated directly by the lender you choose upon settlement. On the rare occasion that a fee applies to a specific situation, we will always disclose it to you upfront so you remain completely in control of whether you'd like to proceed.
How much does it cost to refinance?
When refinancing, upfront expenses like discharge, application, and settlement fees can apply, so it's important to ensure your long-term savings clearly outweigh those initial costs. Calculating your net savings helps determine whether switching makes financial sense for your situation.
MEET THE FINANCE EXPERT
Hey, I'm Tina!
With nearly two decades in finance - starting at a major bank and specializing in complex lending, I founded Arcadia Finance Solutions in 2017 to put clients first. My goal is simple: to make your financial journey clear, supportive, and stress-free. Whether you’re buying your first home or expanding an investment portfolio, I’m passionate about helping you hit your next milestone.
