Client Testimonials

Listen to what some of our clients are saying:

Sarah took all of the financial stress and worry out of arranging our mortgage for us. Not only did she deal with all the administration, but she has managed to get us a good quality, competitive product with a low interest rate. She took the time to get to know us and our situation, was prompt at returning calls and emails when we had questions, and always took the time to ensure we understood the process. Sarah went the extra mile for us and gave us peace of mind that somebody was on our side. I thoroughly recommend Sarah.

Amy Mullins

Sarah has now helped us with two mortgages and she has been amazing every step of the way. She helped us to understand the process by taking the time to explain and answer the million and one questions we had. We would definitely recommend Sarah to anyone looking for a great mortgage agent.

Sincerely, Max & Kendra

First Meeting..... Hi Sarah, I just wanted to thank you for meeting with us today. You left a very good first impression for both of us and we are both very impressed with your knowledge basis and willingness to work with us. We have no experience with a broker (Don included) and you made this first one wonderful. We look forward to working with you whether it be today, next week, or years from now. Thank you for not being judgmental, for being honest and very personable. We will be talking about what our plan may be to pay off debt so that we can get started. It won't be able to happen overnight however we are determined to make this happen. Thank you again.

Michelle and DJ

Sarah is very dedicated to her field of work. She has great attention to detail, which made me feel at ease during the process of closing my first home. As a young first homebuyer, Sarah took extra time out of her day to review all necessary paperwork to ensure I understood all conditions from start to finish. She was instrumental in keeping my interest rate and ensuring that my house closed within a realistic timeframe.

Sandra G

I was referred to Sarah Carter after being denied from banks for mortgage renewal. My case was not an easy one as I had multiple debts and was considered low income and a single mother. I felt hopeless until I met with Sarah. Sarah worked for hours and hours number crunching for me. She got me approved when nobody else could. Always returned my calls and answered all my questions. Tremendous customer service. I highly recommend her.

Randie R

It was a pleasure working with Sarah she is friendly, helpful and very knowledgeable. It was nice to be dealing with a professional who was able to get us exactly what we asked for while also looking out for our best interest. Thank you Sarah, and I would recommend you to all my friends and family.

Matt & Brianne E.

We had a great experience working with Sarah to obtain our mortgage. She answered all of our questions and promptly responded to all of our calls and emails. She also got us a fantastic rate on our mortgage. We definitely recommend Sarah for all of your mortgage needs.

Jackie D & Dave S

Sarah is a very conscientious mortgage broker. She has been my broker since I owned my house. She led me through the initial house purchase and has also guided me through two mortgage renewals. She helps with timely email and telephone reminders and has always answered all of my questions thoroughly. On top of that, Sarah has always gotten me great rates for my mortgage. I would definitely recommend her to anyone looking for a mortgage broker.

James B.

'I have used Sarah Carter's services twice now. Once as a first time home buyer and most recently to refinance my mortgage. Sarah made both experiences easy, explaining everything in a thorough way that was easy to understand. She is friendly and personable and goes above and beyond for her clients. Sarah was always available to answer any questions I had and kept me up to date on the process. I would recommend Sarah to anyone with mortgage needs!'

Emily B

My experience with Sarah Carter was very professional and efficient. From the warm welcome upon first contact and meeting at her office to the timely resolution of our deal. She made me feel at ease with clear and concise explanation of the entire process and highlighting then outlining every step along tbe way. I highly recommend her for all your mortgage needs.

Alan A.

“Renewed our mortgage with Sarah Carter from Mortgage Intelligence and couldn’t have been happier with the service she provided. Not only did she go over- and -above with her personalized service, but she secured a great long term rate which was awesome. We would definitely use Sarah again and will refer her to our families and friends”.

Mary & Doug N

Firstly we have already felt such a sigh of relief with our debt paid and no longer being with our previous lender. We had such a terrible experience getting our first mortgage and we were very nervous about doing it again but from the first time I spoke with Sarah on the phone I knew that we were in good hands. Sarah explained everything to us from our options and what she would do if she was in our shoes, I have told so many people about our amazing experience with her, we will never go somewhere else again. Without even meeting face to face because of COVID I know that we have chosen the right broker for life. Again we are so grateful for you and all of your hard work.

Brittney P & John R

First Sarah got me a rate no Bank or Credit Union could come close too. Secondly and equally as important to me, she was able to work around my busy schedule while giving me great advice. Her customer service is second to none. Being an out of town customer of hers, she was able to work with me and save long drives into the city. Also I am not one to watch rates and mortgage changes. I trust Sarah 100% to walk me through the tougher decisions and get into a comfortable situation that I fully understand. I very much like my bank but they could never match the personal service Sarah can offer.

Steve and Heather

As an investor I would not go to anyone else but Sarah. She has a good relationship with the lenders and knows the best option for my needs. Her professionalism, customer service and organizational skills are top notch!!

Michele B

Sarah worked so hard for us and never gave up. She made our impossible POSSIBLE.

Diana L & Zane Y

I've been dealing with Sarah for the last 8 yrs with my mortgage needs it has been great. Sarah helped me get my first mortgage on my own and she made something that seemed difficult seem easy and a very pleasant experience . Sarah also helped me refinance this year so I could have my dream renovations! I would refer her in a heartbeat.

Michelle B

When the bank would not help us with our investment property, we were referred to Sarah. After our first meeting we felt confident that she could help us. She tended to all of our concerns and was able to arrange a mortgage at a low interest rate. She certainly went the extra mile for us and gave some sound insight and advice regarding our property. We will definitely recommend Sarah.

Mark & Joyce O.

I have used Sarah's services for over ten years. She is always there to answer my questions and help me with my mortgage goals. Sarah is both professional and personable, and clearly takes pride in doing a good job.

Lisa B

My husband and I have been looking for the perfect retirement home for a year it's been a very difficult and stressful process, the easiest part of this process has been working with Sarah. She found us a great mortgage with a great interest rate, we can't thank her enough for all her help always answering our questions, promptly through phone and emails, she made everything very easy. Thank you Sarah

Deb S.

We met Sarah with the purchase of our first home 15 years ago, and we have used her firm to re-mortgage our home several times since our first encounter. My wife and I are very comfortable with her professionalism, knowledge, and honesty when we utilized her services to get us the most competitive mortgage rates. Sarah was able to use our information and her knowledge to make the best mortgage match for all parties involved. Her understanding of the current and projected mortgage conditions and putting her clients needs first, make her standout above her industry peers. We would highly recommend Sarah Carter.

Robert and Marcie Brosseau - Windsor

We’ve been using Sarah now for several years. She was able to find us the best rate, mortgage company, and lawyer. Her experience in the field has guided us to a place financially that we can be comfortable. No more paycheck to paycheck and interest only payments on other debts. Thanks Sarah!

Amy & Kris T.

Money saver that came with the mortgage...... We received excellent service from Echlon. They dispatched Absolute Comfort Services to our home within one hour. The technician quickly troubleshooted the problem. Echlon paid for a new air conditioner coil (approx $1400) and new thermostat. Our cost was $50 deductible, excellent bonus from First National Mortgage. Once again, thanks for your service.

Tara and Colin B

Last summer we moved from our family from Windsor Ontario to Victoria British Columbia. Buying a new home is a stressful enough experience, but when you combine that with a move across the country, family in tow, you almost don't even know where to start. That's where Sarah Carter came in. We were so fortunate to have her take care of our mortgage for us. She was extremely professional, knowledgable, and thorough. She helped us take care of every detail along the way. Even though we were moving to British Columbia with its unique mortgage requirements Sarah took the time to cover every possible situation, helping us to understand our options, so we were able to make informed decisions throughout the process. Best of all, Sarah was able to secure us an incredible rate. If you are considering purchasing a new home I strongly recommend Sarah Carter at Mortgage Intelligence.

Nicole & Joel

We enlisted Sarah Carter of Mortgage Intelligence to help us with our purchase of our house on Olive Trail estates and are past clients as well. Sarah was very professional and she went above and beyond all our expectations . Sarah got us the best rate she could get us .I would recommend her to anyone if you are looking for an honest hardworking agent.

Ronald & Judith K

'Initially, I was worried about affordability but Sarah gave me reasonable options, which helped in eventually finding a home. Thanks Sarah.'

Wale A.

I went to Sarah during a difficult time in my life. Her kind spirit and willing to go above and beyond astounded me. Other institutions insisted I could not get financing without a co-signor yet Sarah was able to get me a mortgage on my own. She put her heart into it, which other institutions could care less. You are not just a number or a are a person to Sarah.

Theresa P

We used Sarah Carter and we were impressed! She is very down to earth and makes you feel like a priority. She is very easy to talk to and listen to your needs. We were very happy with her service and would recommend her to anyone!

Dora & Mark D.

My mortgage was recently up for refinancing. I was referred to Sarah Carter by a friend. I was impressed by Sarah on our first meeting. I could tell she was very passionate about her job. Sarah got me the best interest rate and explained in great detail how I would benefit greatly by saving money. Sarah made this process extremely easy for me. I couldn’t be happier. Thank you Sarah.

Heidi D.

Sarah worked quickly and diligently in order to secure the financing needed in the requested compressed time frame. Her list of contacts, including the property appraiser was instrumental in completing all necessary tasks well before the closing date, allowing me to remove conditions in a timely manner. Sarah took time from her busy schedule to promptly and personally return my calls and answer all questions that I had. I look forward to utilizing Sarah's skills in future multi residential purchases.

Jamie P.

We were very happy with our experience as first time homebuyers with Sarah! She was always available to us whenever we needed her and helped us navigate the home buying process with ease. We now feel comfortable understanding our mortgage but know that Sarah is just a phone call away if we have any questions. We would highly recommend Sarah to any other new homebuyers! Thanks, again for all your help with our mortgage!

Haley & Corey

My husband Drew and I have had Sarah as our Mortgage Broker for over 5 years now. She is fabulous to work with. Sarah is very thorough and takes the time to explain everything. She always looks out for your best interests and answers any questions you have promptly. We highly recommend her.

Stacey & Drew

Sarah was amazing! This was our first time buying a house. We'd been to a few banks looking into rates etc. Sarah was the only one that was willing to walk us through the process of a mortgage and what to expect financially when buying our first home. She was patent and helpful answering all of our questions. She found the best mortgage provider for us, taking into consideration things of things I hadn't even thought of. She helped make buying our first home so much easier. We look forward to a continued relationship in the future.

Jennifer & Adam W

We highly recommend Sarah. She was very flexible with our schedules and so quick to get back to us. We had been with a previous mortgage consultant for 12 years and she was not able to match what Sarah offered us. She also provides great email tips and updates! Thanks for being so accommodating working with us!

Nikki and Tim

'Before being referred to Sarah I delt with a company who made me feel like my business wasn't important, gave me wrong information and didn't care wether I understood the process or not. Sarah helped to make buying my first home less confusing and stressful by being there to answer all my questions and making sure I understood exactly what was going on step by step. She went beyond expectations and got me an amazing rate, I would highly recommend her to anyone!'

Sarah T

Sarah came highly recommended to me when we were seeking our first real estate investment several years ago. As a newcomer to the field, Sarah was instrumental to that first deal. She patiently took the time to educate me on the many subtleties, and to explain the advantages and drawbacks of each option, always putting my best interests foremost. Since that time, we have worked with Sarah exclusively for all our financing needs, whether it be for purchase or refinancing, residential or commercial, straightforward or complex. Her knowledge and expertise, delivered in an unfailingly professional and friendly manner has been the cornerstone of our investment success. I wholeheartedly recommend Sarah for any mortgage needs.

Graham, Matthew and Patricia

Dealing with the purchase of my first house was a great experience thanks to Sarah. She made the entire process look ten times easier. Also I got a very low rate that I thought was impossible to get, being a single guy at my first mortgage, and that happened thanks to her restlessness to find the best deal for me. A very professional and yet friendly attitude, I would recommend her to anyone who wants to have a great and smooth financial process experience.

Ciprian G.

'My wife and i have used Sarah a couple of times to find us a mortgage that suited our needs. As well as finding us a great deal Sarah was professional and quick with her service - and really went the extra mile in helping us through the process. Highly recommended by us!!”

Jon & Andrea

My experience working with Sarah was great. She is very professional and goes above and beyond for her clients. During the build of my home, there were bumps in the road. With every bump, she was available with a solution. She really helped me secure the best possible mortgage to fit my needs.

Natasha G

Sarah has been extremely professional and helpful when we had to renew our mortgage. She explained different mortgage types with pros and cons to different mortgage offers while getting us a fantastic rate. When the rate dropped, she let us know and then redid all of her paperwork for us to ensure we got the better rate. Sarah has been extremely flexible meeting at typical non-business hours to accommodate our busy schedules with one of us working Monday-Friday and the other doing shift work. When we forgot to sign or send certain papers she would politely remind us and keep track of our paperwork to make sure our mortgage had no issues going through. She is very personable and a joy to work with compared to previous experiences with banks and other brokers. My parents plan to go to her next year with their renewal and Jon & I highly recommend her to everyone. Thanks Sarah!

Katie & Jonathan

Sarah Carter at Mortgage Intelligence has been wonderful to deal with. She was there for me every step of the way. I would highly recommend her to anyone.

Jeffrey B

With the right people by your side, buying a house should be straight to the point. That's exactly what Sarah Carter offered us! After dealing with a mortgage expert through a well known bank and having to chase them down for 6 weeks for answers, we turned to Sarah. Within 2 1/2 hours after meeting her she had papers ready for us to sign. Simple, easy, straight to the point and fast. With her knowledge and experience, we felt taken care of, we felt like a priority, and we got our very own home.

J & K Bell

My husband and I cannot be thankful enough for Sarah’s, guidance and knowledge when looking for a mortgage, her patience and communication at each step in the process was hands down the best. She is absolutely excellent to work with and highly recommend her for your next mortgage. Keep up the great work Sarah!

Jane & Robert Z

Suzanne and I so appreciate the work you put into getting our mortgage in place in such a short timeline! You were right on top of a complicated process from the beginning to the end. We were very nervous because it had to be completed so quickly. I would have no hesitation in recommending your services to everyone! You did a great job! Thank You!

Lisa & Suzanne

Sarah has been an absolute pleasure to work with. She made the refinance of our home a seamless process from beginning to end. She was thorough with her explanation of the entire process and guided us to the most sensible decisions based on the current market and our finances. We encourage anyone looking for a highly knowledgeable, likable, reliable mortgage agent to seek Sarah’s services.

Kim B & Kevin K

I would like to thank you Sarah Carter for all her hard work and personal care and touches in helping us with our mortgage .If anyone ask us we definitely would recommend her. Thank you so much.

Bonnie & Kerry D
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Latest Lending Rates

Terms Our Rates
1 Year 6.69 %
2 Years 6.04 %
3 Years 4.94 %
4 Years 5.09 %
5 Years 4.94 %
7 Years 5.65 %
10 Years 6.05 %
Current Prime 7.20 %
5 Year Variable 6.25 %

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