Terms of Use

Last updated: August 23, 2026

1. Agreement

By using wisemortgages.ca (the “Website”), you agree to these terms and the Privacy Policy. If you do not agree, do not use the Website or submit the form.

2. General information only

Content explains general concepts and questions commonly associated with Canadian mortgages. It is not tailored to your finances, property, objectives or eligibility and may not reflect every current rule, lender policy, product feature, cost or exception.

WiseMortgages does not assess suitability or eligibility, recommend lenders or products, quote rates, negotiate terms, take applications, arrange financing, collect financial documents or handle funds.

3. Calculator

The calculator provides an illustrative principal-and-interest estimate based solely on the numbers entered. It is not a quote or qualification result and excludes costs such as mortgage-insurance premiums, taxes, condo fees, utilities and closing expenses. Actual payments and qualification depend on lender terms and approval.

4. Initial information request

Submitting the contact form permits WiseMortgages to follow up about your request. It is not a mortgage application, credit inquiry, pre-approval, approval, rate hold, offer or commitment, and it does not authorize WiseMortgages to share your contact information with a mortgage professional.

5. Optional later referral

WiseMortgages may receive a fixed marketing or referral fee from the authorized brokerage of a proposed recipient. The fee must be approved in writing by that brokerage, is not a share of a mortgage commission, and is not calculated or paid based on whether a mortgage is approved or funded, or on the mortgage amount, rate or terms. Before a referral, WiseMortgages will identify the proposed licensed recipient, disclose the paid relationship, and request separate written consent to share specified contact information. The licensed recipient and brokerage provide mortgage services independently and are responsible for their own advice, disclosures, applications and privacy practices.

6. Your responsibilities

Use the Website for lawful purposes, provide accurate contact information, and do not submit sensitive financial or application information. Seek advice from an appropriately licensed professional before making a mortgage decision.

7. Availability, links and liability

We aim to keep the Website useful and available but do not promise that content is complete, current or error-free, or that operation will be uninterrupted. Third-party sites and services have their own terms and privacy practices. To the extent permitted by law, WiseMortgages is not responsible for decisions or services of a referred professional, brokerage, lender or other third party. Nothing excludes liability that cannot legally be excluded.

8. Applicable law and contact

These terms are interpreted under applicable Canadian law and the laws of the relevant province or territory. Questions may be sent to info@wisemortgages.ca.