For borrowers
Exclusive rates, structured into the deal.
Our FSRA-licensed brokers hold direct arrangements with major Canadian lenders. We structure the mortgage alongside the purchase, not as an afterthought.
How it works
The exclusive rate isn't a promo. It's structural.
We don't run rate teasers. The lower rate exists because of how the mortgage is structured around the purchase: insured transfers, qualifying conditions, lender relationships built over a decade of volume. Most walk-in clients can't access these arrangements because they aren't tied to a real estate transaction we control.
On the discovery call we confirm whether your situation qualifies. If it doesn't, we'll still place you at the best market rate our network supports, and tell you plainly that it isn't the exclusive rate.
What you get
Every Opus mortgage file includes:
- Pre-approval inside 48 hours
Once we have your documents.
- Direct lender placement
No correspondent middle layer.
- Insured transfer review
Where eligibility unlocks the exclusive rate.
- Tax-aware structuring
FHSA, RRSP HBP, and rental scenarios modelled by a CPA.
- Rate-hold management
We track the hold and re-quote when the market moves.
- Closing-day funding
Coordinated with our real estate lawyer.
- Renewal strategy
Re-engaged 120 days before maturity, not on the deadline.
- FSRA disclosure on every file
License numbers and consent forms documented.
I’m not just here to guide you through numbers and paperwork—I'm here to understand your goals and work with you every step of the way
FAQ
Common questions, answered.
Become a client
Step into the next standard.
A 20-minute discovery call is the only way in. We confirm fit, walk you through the model, and decide together whether Opus is the right choice for you.