Warman Mortgage Guide 2026: Broker vs Bank
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One of the first questions our CENTURY 21 Fusion Warman team gets from buyers is where to get their mortgage. There are two mainstream paths in Canada: your bank, or an independent mortgage broker. Both can work, but they operate differently and the right choice depends on your situation. Here is how to think about it before you commit.
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How a Bank Mortgage Works
Your bank offers its own mortgage products directly. You get a single lender with familiar branch service and posted rate cards. If you already have your accounts, investments and lines of credit at that bank, there can be relationship pricing, especially for well-qualified buyers. The trade-off is limited product variety: you see only what that one bank…
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