Terms of Use

Last updated 2026-05-09

The information on this website is general educational information for Ontario mortgage borrowers. It is not legal, financial, tax, or mortgage approval advice.

Mortgage rates, lender criteria, fees, penalties, and approvals vary by borrower, property, market conditions, and lender policy. No website statement guarantees approval, a specific rate, or a particular outcome.

Visitors should speak with a licensed mortgage professional before making a mortgage decision. Third-party links are provided for convenience and may change without notice.

Contact chandy@fairchoice.ca with questions about this website.

What these terms mean in plain language

FairChoice provides mortgage education and brokerage guidance for Ontario borrowers. Information on this site is general and should be confirmed against your own income, credit, property, lender conditions, and closing timeline.

What borrowers should confirm before acting

Whether a quoted rate includes all conditions, fees, and timing limits.
Whether a pre-approval has been reviewed with documents, not only estimated numbers.
Whether penalties, portability, prepayment privileges, and renewal terms fit your plan.