Homebuying Step by Step Guide For The Lowest Mortgage Rates For Home Purchase. Alternative Mortgage Solutions
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Mortgage Brokerage Lic. #10426

 Call: 226 224 2834

Just wanted to thank you very much for your help with our mortgage.

It was a bit of a trying time for us not knowing whether or not if we were approved, but, with your hard work and perservation, you made it reality for us.

Just wanted to take this time to tell the skeptics out there, that your site really does work! Thanks so much for helping us.

Mr.& Mrs. Bennett

I would definitely recommend you to friends and relatives.

The whole process was relatively painless and very quick.

From the time I received your first response until the time the closing papers were sent to the lawyers was less than 1 week.

I was very impressed with your efficiency and professionalism.

Ingrid Clarke-Pitt

It was fast easy and painless. The banks are a pain in the having to jump through hoops when you are more than qualified. The service was spectacular.

Bill & Kathy Hopper

We recently refined our house through Joe.

Because I recently became self-employed, I didn't meet the criteria for most mortgage companies (including the one I had been with for five years).

Joe found a product that was perfect for us and the service was excellent. Very satisfied!

Michael McFarlane

You were awesome to work with and I appreciate how knowledgeable you were and the speed in which everything was done. Thanks again for all your help.

Sherri McKenna

We are saving approx. $600.00 per month and with all your help our finances are not stressing us out like they used to.

I really don't know what would have happened if you couldn't help us and I was very impressed with the personal interest you guys took and how efficient and quick the whole process was.

I would not hesitate to recommend your services to family and friends.

Cathy Vis

My husband and I have appreciated your help!

After being turned down by a major financial institution where we had received bad service; it was refreshing to have people that handled your cause with dignity.

Often you get treated with disrespect and indignity and we received quick, positive service.

We found them to work a deal that was within our budget and it seemed to go so hassle free. Thank you again!

Sandi Charbonneau

We found your service to be very professional and most importantly helpful in obtaining for us a very favourable interest rate thereby reducing our monthly payments by about $800.00/month.

The whole ordeal was quite painless and I would definitely recommend your services to others and will do so when I can. Again, thank you very much for all your help.

Mary Divitcoff

My husband and I are very pleased with your services. It has brought our monthly payments down to almost half.

I will certainly keep you in mind for anyone else needing the financial help in the future. Again thank you for all you hard work.

Diane Osborne - Flude

My Husband and I would like to say thank you, for helping us in our time of need, with your help we were able to consolidate all of our debt into payments that are more affordable and beneficial to us.

We can now save a little each month to build a nest egg so that we don't have to worry like we used to. It is a great feeling to have money in the bank and to enjoy life again. Thank you Joe.

Aileen and Anthony Waithe

Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with repect.

Tina and Dave Pilon

Just wanted to say it is I who should be thanking you for the Execellent service you provided me. Not only was your service very Professional, you made every step quite simple. I have already recommended you.

Mervyn Parris

My husband and I were deep in debt, and having no luck with trying to refinance through our local Bank.

Then I found your Web Site, which was very easy to read and understand.The application process was simple, and your response almost immediate.

We were extremely pleased with the service you gave us - which was prompt and efficient. We would recommend your Refinancing Service to everyone!

Clare Gardner-Durdle

We would like to thank you for helping us out.

You provided very knowledgeable and prompt service in spite of our fax and printer not working properly.

We figured out that with our new financing we are probably saving around $400.00 per month. Again thank you Joe.

Deborah Stevens

Dear Joe: Just dropping you a line to tell you how much we appreciate the "no run-a-round" mortgage renewal.

We would like to thank you for the fast and professional manner in which we were treated and how easy it was to apply.

We had checked several sights on the internet and found yours to be the most informative and we have no problem recommending your services to anyone. Thanks again.

Nancy and Ray Keeso

I would like you to know that both Mary and I were very pleased with the service that you provided.

Your web-site was informative and very easy to use. You were very sensitive to our needs and at no time did I feel uncomfortable dealing with you.

It's never easy when trying to get your finances in order and some companies, I have found, seemed very insensitive towards us and our problems.

Again, Joe, thanks for your help and I must emphasize that this transaction was handled professionally and courteously.

Tom & Mary Fields

It was a sincere pleasure doing business with you. Your courtesy, and understanding of our situation, put us at ease and the ease of delivery of documents and the loan was great.

As everyone is so busy, it was wonderful to be able to complete a lot of the information via Internet, fax or efax.. Your service was great and I would recommend you to anyone who needs help sorting out a financial situation.

I will recommend you to all my friends and thank you for your time, kindness and patience. It was our pleasure.

Wanda Hoffman

Recently I needed to do some refinancing of my mortgage and my own bank would not help me, so I turned to the internet and found Joe Malek.

He was professional and helped me consolidate everything into a first mortgage.

His service was fast and efficient and I would highly recommend him to help out with any financial arrangements that you require.

Tammy Robinson

It remains to be seen whether or not I have made the right move but regardless, I needed to do something immediately and you people achieved that goal promptly, efficiently and effectively.

I at least feel that I have some 'breathing room' now in order to make a substantial gain in straightening out my financial outlook.

I sincerely hope I will not need your services again, but if I do, I'm sure I will get the same prompt and effective service and I would recommend to others who might be in a 'bind' to give you the opportunity to assist them in resolving their situation.

You did a great job and once again I thank you!

Dan Arbic and Wendy Beer

Shopping for mortgage rates and services on the Internet was amazingly simple.

Joe Malek responded to our query immediately. His service was very personal and polite. He worked hard to get us the best rate at our terms.

He valued our business and proved it by seeing to every detail on a timely basis. Our mortgage has been in effect for several months now, and the lender has treated us very well.

The lender contacted us by phone to explain our contract and answer our questions about property taxes and so forth.

We are very happy with the whole transaction. We highly recommend Joe's services.

Karen Patron-Evans

I found your web-site excellent.

Information was obtained easily, promptly and with professionalism.

My husband and I are very pleased with the service we received from you and thank you once again for your courteous and professional service.

We look forward to dealing with you again in the future.

Brenda and Rod

As the owner of a small business I went deeply into debt trying to get established. I was very desperate when I first found your website.

I seemed to be drowning in debt and it seemed no one could offer any solutions. After I contacted you, I very quickly had a loan which consolidated my previous debts and included a line of credit to help me build up my business.

Thanks to you, I can meet my monthly payments and have money left to develop my business. Thanks again for your help!

Susan O'Reilly

I found the service you offered to be EXCELLENT.

It allowed me to obtain financing conveniently, on-line in my own home. My questions and application were dealt with promptly, and you helped me to pick the best product for my circumstances.

You obtained more for me than I thought would be possible, and I have already passed your name and number along to several people.

Debra Purkiss

Thank you very much for you help!

It was great dealing with someone who understands the urgency of such cases as mine, and deals with his clients in a timely and caring manner - certainly a nice switch from the big bank treatment.

Peter Chaba

Joe Malek was amazing and went way beyond our expectations. They were great from start to finish and really helped us out. Thank you!

Dennis Family

Thank you so much. I really appreciate the speedy service you and your staff have provided for me this time and in the past.

It is great to deal with people who know what they are doing!

Diane Blake

Thanks for the great advice and the awesome book.

I have managed to dive into it a little bit and look forward to reading the rest. Myself and Tom were very pleased with all your and your help.

I would recommend your office and you to anyone.

The Dykstra's

Hi Joe, This is a quick note to congratulate you on another job well done. It isn't very often in this day and age anyone goes out of their way to provide services the way you do fast, reliable, trust worthy As always I would recommend you to anyone
needing financial assistance.

Bill & Marie Berrill

Being self employed, we got turned down by all major lenders in our area for no income verification mortgage.

We were pleasantly surprised to get a call the very next day that we were pre-approved. In less than 3 days our application for a mortgage was fully approved and we were able to move on to the next things on our to-do list.

Thank you Joe for your fast service!

Zubek Family.

Joe made our lives so much easier by saving us $1,300 per month.

It was the quickest and easiest thing I've ever had to do to get the best mortgage rate possible and of course save ourselves money.

Joe was quick and extremely efficient. He handled everything that needed to be done.

I would recommend Joe to anyone. His professional and courteous attitude is a pleasant bonus.

Jacqueline Micallef

My husband and I have appreciated your help!

After being turned down by a major financial institution where we had received bad service; it was refreshing to have people that handled your cause with dignity.

Often you get treated with disrespect and indignity and we received quick, positive service.

We found them to work a deal that was within our budget and it seemed to go so hassle free. Thank you again!

Sandi Charbonneau

Dave and I would like to thank you for all your help with our debts. I feel that we can get ahead now. You are very kind and give exceptional customer service as well you treated us with repect.

Tina and Dave Pilon




From: Joe Malek,

Joe Malek

Dear Friend,

Are you sick and tired of making your landlord rich? Are you ready to purchase your first home?

Perhaps you have just sold your existing home, purchasing a new one and want the lowest interest rate or the best deal to fit your needs.

I will be up-front with you...

Not everyone qualifies for the lowest rates on the market. Not everyone has the perfect credit score or large downpayment. Some homebuyers are New to Canada, some are Self-employed and others have less than perfect credit.

Whatever your case may be. I am here to help you 24/7/365 and I will help you to secure the best financing for your situation and I will do it FAST!

But before we get started...!!!

I urge you to take a second and subscribe to my Canadian Mortgage Tips Newsleter for Market & New Product Updates, Best Rate Updates and MORE!

First Name:
Last Name:
Email Address:

You will be able to unsubscribe at any time.

Now that you subscribed to my Canadian Mortgage Tips Newsletter which will save you money on your mortgage... Let's get started!

First of all, you should NOT be applying for your mortgage at your own bank or other major banks.

This is because banks use “bank posted rates” and not “discounted rates” plus they have harder qualifying guidelines than other lending institutions. Yes, you could walk out with your approved mortgage in hand, but over time you will end up paying more than if you obtained a mortgage through experienced mortgage professional like myself.

Second of all, you should NOT be running from a mortgage broker to mortgage broker. This is because each mortgage broker or mortgage agent will make a hard hit to your credit report and with each hard hit to your credit file, your credit score will be lowered and that could result in denial or higher interest rate on your new mortgage.

I don't perform initial credit inquiries. You can submit your application to me over my secure server. I will analyze it, do some calculations for you based on your situation, needs and downpayment. I will be in constant comunication with you by phone and email.

You can then send me your credit report with credit score via email and I will then provide you with the best financing options.

My goal is the same as yours and that is to obtain the best financing for your situation free of charge. In majority of cases the lender pays me a commission for my time and not you.

Now sometimes, we may have to turn to alternative mortgage lenders which are specializing in difficult situations for people with damaged credit rating and of course there may be some additional fees. However these fees won't be outrageous and they will be disclosed to you prior to you signing a mortgage commitment.

In the worst case scenario... I can fund your home purchase through private mortgage lenders, but interest rates and fees will be a bit higher.

If this is your first or second home purchase and you want to obtain the best mortgage for your situation then I urge you to do some homework and study "Homebuying Step by Step Guide" from CMHC and "A Better Way To Homeownership" from GENWORTH FINANCIAL.

Just click on those links to download your guide right now and then come back to this page to read more and apply for your mortgage pre-approval online.

I already helped thousands of people just like YOU to secure the best financing for their situation including hard to place alternative and private mortgages.

My FREE information will help you to:

  • Save YOU time!
  • Save YOU money!
  • Improve YOUR credit!
  • Avoid YOUR disastrous situations!

As I already said above... I already helped thousands of homebuyers and NOW I WANT TO HELP YOU!!!

Fist of all, this website is a fully secured site...

You can apply online in confidence because all of your information is encrypted!

Below is just a partial list of Canadian mortgage lenders I am connected to.

Can you imagine how much time it would take you to visit each of their offices to see about their mortgage rates and submit mortgage application to them?

It would take you months to go through them all, but the good news is that YOU can use my proven mortgage broker services.

If you complete the online mortgage application at this page then I will provide you with the lowest mortgage rate for your situation -- GUARANTEED!!!

mortgage lenders


  • ATB Financial
    AVEO by CMLS Financial
    B2B Bank
    BFG Capital
    BlueShore Financial CU
    Blueprint Mortgages
    Bridgewater Bank
    CMLS Financial
    Canadiana Financial Corp
    Centum Mortgage
    Coast Capital Savings CU
    Community Trust
    Envision Financial
    Equitable Bank
    First National
    First Ontario Credit Union
    HomeEquityBank CHIP Reverse Mtg
    Home Trust Company
    IC Savings
    ICICI Bank Canada
    Industrial Alliance

  • Intellimortgage
    Island Savings
    League Savings and Mortgage
    Lendwise Mortgages
    M-Link Mortgage
    MFL Refinance
    Manulife Bank of Canada
    Marathon Mortgage Corp.
    Meridian Credit Union Ltd.
    Merix Financial
    Mortgage Point Financial
    National Bank
    Optimum Mortgage
    Pillar Financial Services
    RMG Mortgages
    Radius Financial
    Servus Credit Union Ltd.
    Street Capital Bank of Canada
    TD Canada Trust

Most of these mortgage lenders are what we call “A” mortgage lenders offering mortgage loans at discounted mortgage rates.

Some are “B” & “C” lenders who specialize in alternative lending solutions for people with less than perfect credit… or unique situation like mortgages for self-employed individuals who simply can’t prove their income.

Whatever your situation... I am confident that you will find my services helpful because I work very hard for my clients as you can see from testimonials on the left.

Many of my clients learned the HARD WAY that asking their bank for help was a BIG waste of time and going from a bank to bank or from a broker to broker actually hurt their credit score!

There are many things YOU could do BEFORE you apply for your mortgage.

I strongly recommend YOU obtain your own credit report with a credit score.

A credit score is a statistical formula that translates personal information from your credit report and other sources into a three-digit score from 300 to 850.

Your credit score is an important indicator of your creditworthiness.

In general, the higher your credit score, the lower the probability that YOU will become delinquent on credit extended to you.

Lenders use your credit score to determine if you are a good candidate for credit and you will likely to pay your bills.

Because your credit report is updated every day, your score is recalculated continuously and therefore your credit score from a month ago is probably NOT the same score today.

What is used to calculate your score?

  • Payment history - Indicates whether you have made your credit card payments, loan payments and other payments on time.
  • Amounts owed - Compares how much you owe to your credit limits with various lenders.
  • Length of time in file - Indicates how long you have had credit accounts.
  • New credit - Shows how often you are looking for new credit and how you handle accounts you have recently opened.
  • Type of credits - Considers the type of loans you have - car loans, lines of credit, credit card balances.

Top 10 Ways to Improve Your Credit & Credit Score

10. Learn what your current Credit Score is and what appears on your credit report. This gives you an immediate access to your credit report and includes your current credit score.

9. Don't open new credit cards that you don't need just to increase your available credit. This approach could backfire and actually lower your score.

8. Try to keep your total account balances as low as possible. High outstanding debt may negatively affect your score, as you have a greater chance of missing payments.

7. Correct any incorrect information that might appear on your credit report. Visit Fixing Errors on Your Report for more information.

6. If your credit is severely damaged, or you have a very short credit history, there are still ways to improve your credit over time. Consider opening new accounts responsibly and paying them off on time.

5. If you fall behind on paying a bill because of unemployment, or family issues, illness, write a short explanation to the credit reporting agencies. They will add it to your credit report. Also, call your creditor to explain the circumstances and, if possible, work out a payment schedule you can meet.

4. If you need help building your credit from scratch or re-establishing credit after bankruptcy or consumer proposal consider taking advantage of a SECURED VISA CARD!

3. To minimize the number of inquiries on your credit report, don't apply for multiple credit cards over a short period of time, or for a card you're not likely to get. Apply for new credit accounts only as needed.

2. Make all of your payments on time. If forced to miss a payment, be sure to pay the following month. Accounts more than 60 days past due will be indicated on your credit report.

And the number one way....?

1. Continue to check your credit report regularly, correcting errors and inaccuracies that can damage your credit score.

Click Here To Check YOUR Credit Report NOW!

When you obtain your credit before applying for a mortgage, you will have the opportunity to correct the wrong information, increase your credit score which in turn could result in lower interest rate on your next mortgage.

You can obtain your credit report online, but please MAKE SURE that you get the one with the credit score.

Now that you know your credit score, I can give you a better idea for which of the mortgage options you will qualify for.

YOU can be up and running within as little as 10 minutes from now…

Here Is How My System Works

  • IT ALL STARTS with filling out short online form below – this part takes about 10 minutes (and this is also where you tell me about your problems, goals and objectives!)

  • YOU’LL receive a quick response from me – this is where I will go over all of your financing options!

  • YOU’LL decide which financing option best suites your current needs – Don’t worry I’ll make it really simple for you!

  • YOU’LL select your financing option - I’ll match you with a lender who offers the best rate for that product (This is where you’ll protect your credit rating!).

  • LENDER issues YOUR approval in as little as 4 hours -- and you'll receive it the same day or overnight!

  • YOU’LL review the offer in the comfort of your home, call or email me with any questions. Then simply deliver your signed approval back to me by email with your supporting documents.

  • I’LL deliver it back to the lender who will take up to 48 hours to review documents and provide us with outstanding conditions list (if any).

  • YOU’LL satisfy outstanding conditions (income, lawyer info, etc.) and your new mortgage loan is ready for funding!

  • YOUR LAWYER receives closing instructions - and pays off your debt in full, and...

I arrange everything for YOU. You just meet with YOUR own lawyer to close the mortgage transaction.

mortgage brokers

Why Use My Mortgage Services?

There are many benefits of applying for YOUR mortgage right here and right now… mortgage brokers and mortgage agents could save you money.

The first one which comes to my mind is YOUR instant access to virtually all mortgage lenders, their products and rates with one single application form.

There is NO need for office visits, simply apply for your new mortgage on my secure server and I’ll get started on it right away.

I have what’s called a “Preferred Broker Status” with the most important lenders in Canada and therefore I get “Preferred Rates” for my clients.

These preferred rates are only accessible through selected "Preferred Brokers" who deliver huge volumes.

I know that if you want to get a preferred rate mortgage then you’ll need to deal with someone like me who has the preferred broker status.

To get the absolute lowest rate on the market you’ll need to have perfect credit with excellent credit score.

If your credit is damaged then I will take time to explain what you need to do to improve it so you too can qualify for a preferred rate mortgage.

My goal is to provide you with the best mortgage for your current situation.

This kind of mortgage should have:

Interest Preferred rate so you pay the least amount of interest!
payment options Accelerated payment options so you can reduce your amortization!
pre-payment options Flexible pre-payment options so you can be mortgage free faster!

And let’s not forget that when you take advantage of my 25 year + proven professional mortgage service, there are…

  • NO application fees!
  • NO initial credit checks!
  • NO multiple credit inquiries!
  • NO office visits!
  • NO time consuming appointments!
  • NO surprises!


If you answered "YES" and you want to take advantage of my proven mortgage services -- HERE ARE THREE EASY WAYS FOR YOU TO GET STARTED:

    Use the online secure server mortgage application form for faster service. I will receive it instantly and YOU could receive your approval in less than a day.

    The online application is on a securer server but if you are concerned about giving your information over the internet then you can use multi-purpose .PDF form. Save it to your computer so you can complete it when you have more time and then simply email it to me.

    If you prefer using "SNAIL MAIL" then mail
    the .PDF form to my office address: VERICO Mortgage Network London Inc. Attn: Joe Malek, 321 Springbank Drive, London, Ontario, N6J 1G6

REMEMBER: It costs you NOTHING to get started and most of all there are NO obligations. If you are not satisfied with my offer then you can cancel at any time!

You can also check out my new website www.ontariomortgage.ca where you will also find...


Joe Malek


Joe Malek, Mortgage Agent, Lic. #M08004649

P.S. That's all it's to it... no time consuming appointments... no office visits... no running around... and the lowest rates around GUARANTEED! I know you have many questions for me and I will take time to answer all of them... so please don't hesitate, apply online right now, make a coffee and put your legs on the table...

I will do my best to look after YOU -- Canada wide! Join me on Facebook.

P.S. I personally service all of Ontario, Canada including:

Ajax, Algonquin Park, Amherstburg, Arnprior, Aurora, Bancroft, Barrie, Belleville, Bowmanville, Bracebridge, Brampton, Brantford, Brockville, Burlington, Cambridge, Chatham, Cobourg, Cochrane, Collingwood, Cornwall, Downsview, Dryden, Elliot Lake, Etobicoke, Flamborough, Flesherton, Fort Erie, Fort Frances, Gananoque, Georgetown, Gloucester, Gravenhurst, Grimsby, Guelph, Haliburton, Hamilton, Hawkesbury, Huntsville, Ingersoll, Jordan, Kanata, Kapuskasing, Kemptville, Kenora, Killarney, Kincardine, Kingston, Kirkland Lake, Kitchener, Leamington, London, Mactier, Marathon, Markham, Midland, Milton, Mississauga, Mount Hope, Muskoka, Napanee, Nepean, New Liskeard, Newmarket, Niagara Falls, Niagara-on-the-Lake, North Bay, North York, Oakville, Orangeville, Orillia, Oshawa, Ottawa, Owen Sound, Parry Sound, Pelee Island, Pembroke, Perth, Petawawa, Peterborough, Pickering, Picton, Port Carling, Port Elgin, Port Hope, Port Loring, Port Perry, Rexdale, Richmond Hill, Ridgetown, Sarnia, Sault Ste Marie, Scarborough, Schomberg, Simcoe, Sioux Lookout, Smiths Falls, St Catharines, St Thomas, Stratford, Sudbury, Sundridge, Thamesford, Thorold, Thunder Bay, Tillsonburg, Timmins, Toronto, Trenton, Vaughan, Wallaceburg, Wasaga Beach, Waterloo, Wawa, Welland, Whitby, Wiarton, Windsor, Woodstock



© Copyright 1996-2017 All Rights Reserved by Joe Malek of VERICO Mortgage Network London Inc., Lic. #10426
321 Springbank Drive, London, Ontario, N6J 1G6 Canada
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