Q 01
Do you take referral fees from lenders?
No. Cardinal doesn't accept any compensation from mortgage partners. Our agents recommend lenders based on file fit, not on what pays back. Disclosure on every introduction.
Mortgage partners · independent, no kickbacks
Six lenders we trust
for six different files.
Cardinal doesn’t take referral fees. The lenders below are who we recommend when a file fits their book — and we tell you which one matches yours before you talk to anyone.
01The partner list
Maple Crest Mortgages
First-time buyer specialists · 40+ lender network
Best for: under-$2M purchase, T4 income, fast pre-approval
Visit lender site
Ridgeview Mortgage Partners
Heritage premium · holdco / trust file underwriting
Best for: $1.2M+ purchases, complex income, private capital
Visit lender site
Northstar Lending Group
Live rate hunt across 40 lenders · 60-second refresh
Best for: rate-sensitive purchases, refinancing, renewal shopping
Visit lender site
Prairie Heritage Credit Union
Member-owned · Saskatchewan + Alberta footprint
Best for: out-of-province purchases, rural / acreage, SK/AB tax residents
Visit lender site
Baystone Capital Partners
Private capital · 48-hour term sheet
Best for: bridge financing, second-position, distressed acquisitions, builder draws
Visit lender site
Foundation Commercial Finance
Commercial mortgages · $5M-$200M
Best for: commercial / industrial properties, multi-residential, mixed-use
Visit lender site
02How we recommend
Three rules.
Honest by design.
01
We don't take referral fees.
Zero, from any of the six. Our agents don't get bonused on lender choice — that's the only way the recommendation stays clean.
02
We recommend on file fit.
We tell you the two or three partners whose books your file actually fits. Bringing a fourth-best lender is wasted everyone's afternoon.
03
We always honor your pre-approval.
Bring an existing pre-approval from RBC, Scotia, your credit union, anyone — we work with it. We just want you closing at the lowest rate that works.
03Common questions
Q 02
Are these the only lenders you'll work with?
These six are who we partner with formally — meaning we keep their underwriter on speed-dial. Your buyer's broker will work with any lender you bring; we're not gatekeepers.
Q 03
Can I shop my own rate?
Always. We'll honour any pre-approval you bring, and we'll compare it line-by-line against what our partners would offer. Whichever is lower wins.
04 / Lender introductions
