All mortgage services in British Columbia are regulated by the **BC Financial Services Authority (BCFSA)** under the *Mortgage Brokers Act*.
The *Conflict of Interest Disclosure Statement* (Form 10) is a mandatory document I provide to every borrower at the earliest opportune time. It ensures you know exactly how I am compensated and if any conflicts exist before you commit to a lender. The information in Form 10 has not been filed with the BCFSA Registrar and the Registrar has not passed on the merits of the mortgage.
Integrity is the foundation of a boutique mortgage practice. While the law sets the minimum requirements, I aim for a standard of transparency that empowers you to make decisions with absolute confidence.
As a registered sub-mortgage broker, I am legally required to disclose any direct or indirect interest in a mortgage transaction. This is documented via the BCFSA Form 10.
I have access to over 50 lenders across Canada. My recommendation is always based on the best terms and rates for your specific situation, never on lender-specific incentives.
In most residential cases, my services are paid for by the lender. Any rare exceptions or broker fees are strictly disclosed and agreed upon before any application is submitted.
Your financial data is handled with institutional-grade security. We adhere to all BC PIPA (Personal Information Protection Act) regulations.