Why Work With Toma?
Here’s what you get.
A boutique practice.
The Toma Sojonky mortgage team generally limits intake to ten new clients per month, with most now by referral. This is so all clients, existing and new, receive our exceptional service – now, and for years afterward.
A credit concierge.
Forget branch hours, staff turnover, and starting from scratch every time you need help. You get the same contact, same know-how, and same plain-English advice, years on end…with multiple lender options in one stop.
Next-level mortgage planning.
We design loans for the extraordinary homeowner by using strategies and tools that are outside of the box – because we believe your mortgage should work harder for you and complement your overall financial plan.
A licensed expert.
Unlike Bank employees, all personnel are Provincially licensed mortgage brokers. We’re bound by duties of confidentiality, disclosure, suitability, and acting in your best interest. Every two years, we renew our licences through continuing education, exams, and a criminal background check.
Transparent cost.
BC mortgage brokers are typically paid by the lender – not you; traditional prime lenders cost you nothing. Alternative and private lenders typically charge and split a borrower-paid fee. In all cases, our compensation is fully disclosed to you; and we’re only paid if and when your mortgage funds.
White-glove approvals.
We’ve designed an approval experience that minimizes your time, hassle, and stress. Using best-in-class technology and a philosophy of “over-communication,” we keep you fully informed from the moment you connect with us until the day your mortgage funds.
You are not a loan.
And we don’t just “fund” mortgages. We manage your largest liability over the long term – like an investment advisor manages your assets. That means annual checkups, pre-renewal reviews, and ongoing adjustments to ensure your mortgage always fits your life. This is a relationship, not just a transaction.
Rate Insurance.
When rates go down, your bank is NEVER going to call you with the good news…you signed a contract. We continually monitor rates across all lenders for our clients; when the numbers show that switching lenders can save you thousands, we contact you – proactively.
Reach out today.
We listen first – to your challenges, your goals, and the home you’re working toward. Then, co-operating with your other advisors, we craft solutions designed for both today and the years ahead. Rates matter, but so do the fine print, the structure, and the long-term strategy behind your mortgage. Whether it’s your first home or your fourth investment property, we’ll help you approach it with clarity, confidence, and a plan.