Terms and Conditions

Information is general only

Everything published on this website is general information about mortgage financing in Ontario. It is not a commitment to lend, an approval, a pre-approval, a rate quote, or legal, tax, accounting, or financial advice.

Mortgage availability, rates, terms, fees, and approval depend on the applicant, the property, lender requirements, market conditions, and applicable law. A formal application and supporting documentation are required before any mortgage can be arranged.

No client relationship is created by this website

Submitting an assessment or a message does not create a brokerage client relationship, and does not obligate either party to proceed. A relationship begins only when it is expressly agreed in writing.

Assessment tools

Any assessment, questionnaire, or estimate offered on this website produces general guidance only. No automated approval or decline decision is made. Every submission is reviewed by a licensed mortgage agent before any conclusion is communicated to you.

Accuracy of information you provide

You agree that information you submit is accurate and complete to the best of your knowledge, and that you are legally permitted to provide it. Providing false or misleading information may prevent us from assisting you and may have legal consequences.

Licensing and jurisdiction

Phil Cragg is licensed as a Mortgage Agent (Licence #11000073) with Mortgage Outlet Inc. (Brokerage #12628), regulated by FSRA (Financial Services Regulatory Authority of Ontario). Services are offered in Ontario only. These terms are governed by the laws of Ontario and the federal laws of Canada applicable in it.

Third-party links

This website may link to third-party websites for convenience. We do not control and are not responsible for their content, accuracy, or privacy practices.

Limitation of liability

To the fullest extent permitted by law, this website is provided on an “as is” basis without warranties of any kind. We are not liable for any loss arising from reliance on general information published here. Nothing in these terms limits liability that cannot lawfully be limited.

Intellectual property and changes

Content on this website is owned by or licensed to the brokerage and may not be reproduced without permission. These terms may be updated from time to time; the version published here is the version in effect.