The Mortgage Excellence Blog

Before you fall in love with that dream home, it’s time to get serious about your mortgage approval game. Discover how your credit score, income consistency, and down payment can be your greatest allies or your biggest roadblocks.

In today’s complex mortgage landscape, brokers are expected to wear every hat, and it’s burning us out. From inflation and housing shortages to compliance and marketing, the workload is heavier than ever. But what if you didn’t have to do it all? Discover how delegating to a trusted support team allows you to focus on what you do best: solving…

Most people wait too long and accept whatever their lender offers — costing them thousands. Our Mortgage Renewal Cheat Sheet gives you the step-by-step to take control, lock in better rates, and even explore refinancing options. The secret? Start 6 months early. [Read More ➝]

Tired of hearing only about ‘the best rate’? At DLC Mortgage Excellence, we believe true value lies in a customized mortgage strategy—one that protects your credit, suits your lifestyle, and helps you build wealth over time. In our latest post, discover why the right mortgage product (and the right lender) can matter more than saving a fraction of a percent.

In my early days as a solo broker, I was funding over 100 deals a year—and burning out fast. The decision to join DLC Mortgage Excellence felt risky, but it transformed my entire business. With a ready-made team and systems in place, I finally had the space to do what I do best. Discover why trusting the right support can…

Tired of going it alone? At DLC Mortgage Excellence, we’ve built a thriving community where brokers collaborate, celebrate, and support each other—proving that the ‘lone wolf’ mentality isn’t the only way to excel. If you’re looking for honest relationships, a fun culture, and serious growth opportunities, this blog post reveals why our approach just might be the game-changer you need.

Discover how DLC Mortgage Excellence helps mortgage brokers close more deals, boost their commission earnings, and actually enjoy a better work-life balance. Our latest blog reveals why our team-based approach—plus exclusive rate specials—lets you scale your business without burning out.

New tariffs have sent shockwaves through the economy—and Canada, accounting for only 1% of the issues at stake, still faces a major impact. But here’s a silver lining: bond yields are down, meaning mortgage rates could follow suit. Explore how this roller-coaster ride might actually help homebuyers.

Bringing people together from across Canada—our Annual General Meeting is no ordinary meetup. Dive in to see how DLCME blends big recognition, bigger fun, and an all-out celebration of our team’s achievements—topped off by being named a Top 6 brokerage in the country.

Did you know you can still put as little as 5% down—even if you already own a home? In Canada, the 5% down payment rule isn’t just for first-time buyers. As long as your new property is owner-occupied (by you or a family member), you may qualify for minimal down, plus mortgage insurance through CMHC, Sagen, or Canada Guaranty. Curious…