Borrower Disclosure

Brokerage Information

Mortgage Agent Information

Holly Taylor and Cole Taylor are licensed mortgage agents with Anthem Mortgage Group, operating under the trade name "The Taylor Team." They are authorized to deal in mortgages on behalf of the brokerage and are regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

Our Relationship with Lenders

As mortgage brokers, we work with multiple lenders to find mortgage products that may suit your needs. We receive compensation from lenders when a mortgage transaction is completed. This compensation may vary between lenders and products.

We are not affiliated with or exclusively representing any single lender. Our goal is to present you with options that align with your financial circumstances and objectives.

How We Are Compensated

Mortgage brokers typically receive compensation in one or more of the following ways:

• Lender-Paid Commission: Most lenders pay us a commission (finder’s fee) when your mortgage closes. This is built into the lender’s cost structure and does not directly affect your interest rate.
• Borrower-Paid Fees: In some situations (e.g., unique lending circumstances), a broker fee may be charged directly to you. If applicable, this will be disclosed and agreed upon in writing before any commitment is made.
• Volume Bonuses: Some lenders offer bonuses to brokerages that meet certain volume thresholds. This does not influence our recommendations.

You have the right to ask about the compensation we receive on your specific transaction.

Your Rights as a Borrower

• You have the right to receive honest, fair, and professional service.
• You have the right to understand all terms and conditions of your mortgage.
• You have the right to ask questions about fees, commissions, and compensation.
• You have the right to shop around and compare mortgage options.
• You have the right to decline any product or service offered.
• You have the right to privacy and protection of your personal information.
• You have the right to file a complaint if you are dissatisfied with our services.

Important Notices

Complaint Process

If you have a complaint about our services, please follow these steps:

1. Contact Us First: Speak with your mortgage agent or contact our Principal Broker at info@anthemmortgage.ca or (705) 795-6678.
2. Written Complaint: If not resolved, submit a written complaint to our Principal Broker at 387 Mapleview Drive West, Barrie, ON L4N 9G4.
3. FSRA Escalation: If still unresolved, you may contact the Financial Services Regulatory Authority of Ontario (FSRA) at www.fsrao.ca.