Traditional Mortgage Broker Strucure

Hundreds of Local Offices

Adds separate expenses per office

Several Mortgage Agents per office

Adds layered commission payment splitting

Higher Mortgage Rates

You support this expense structure

Efficient Altura Mortgage Structure

One Centralized Office

Using the latest technology to lower costs

Lower Rates

 Our cost efficiency lowers your rate

Canada’s Only 100% Unbiased Mortgage Advisors

All Mortgage Brokers are paid by lenders to advise on and process mortgages. For our work, Altrua only accepts standardised, flat amounts of this payment from the lenders. So no matter what lender, mortgage size or what mortgage product we offer – we are always paid the same. We invest the remainder of the lender compensation to lowering your rate. This promotes maximum transparency, rules out conflicts of interest and saves you money.  

Mortgage Empowerment: Understanding Your Options

There are hundreds of mortgages available from dozens of lenders – each with unique benefits, and potential costs in the fine print. Altrua demystifies mortgage shopping by providing mortgage education and guidance in plain language. Then we deliver only the mortgage options that are in your best interest. For example, which below is right for you?

No Frills Mortgage

  • High penalty to exit
  • Higher rate provided if ported
  • Collateral charge – Lender Lock In
  • Less pre-payment flexibility
  • Monthly interest compounding

Full Feature Mortgage

  • Far lower exit penalty
  • Discounted rates if ported
  • Non collateral – end of term freedom
  • Flexible pre-payment clauses
  • Semi-annual interest compounding
MORTGAGE EDUCATION

We’re In It With You For The Long Run

 Because your mortgage is a long term endeavour, only long term partner can help you save the most.

Altrua’s On Going Services Include

Life Changes

Planned or unplanned changes in your life can affect your housing and your mortgage. We’re here for support and advise when you need it.

Long Term Planning

Your mortgage is a great financial planning tool that can be used to increase your net worth. By understanding you and your goals, we can provide more effective long term solutions.

Savings Opportunties

Market-driven savings opportunities often arise over the term that go unnoticed. Our unique systems pro-actively identify these opportunities throughout your term, resulting in even more savings.

Renewal Time

Mortgage renewal dates come and go, leaving clients stranded without help to ensure the lowest rate. We contact clients prior to renewal and ensure the lowest rates always.

Let’s Talk About YOUR Needs

Have a mortgage question? Want some free mortgage guidance? Let us know what your looking for, and we’ll get back to you quickly.

Your information is never shared and is ALWAYS kept confidential.

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