There was an article published in the Globe and Mail last week that addressed a common concern. That concern is for borrowers who are looking to obtain a mortgage from a smaller or less recognizable lender. Although many people have only heard of the "Big 6" banks, there are many lenders who deal exclusively in mortgages. They do not have the overhead costs of the day-to-day banking and can generally offer lower rates without taking away any important features (portability, assume ability ext.). They are also accessible through a Mortgage Broker who will work for you and can help you determine what your best options are as opposed to someone who works for the bank. Many of these lenders have been around for years and have very reputable track records. People also tend to recognize banks which have a physical branch in their communities. There are however, several very large banks who may provide a higher quality service but simply do not have a branch at that location. ...