What will you pay now, and how could it change?
8Twelve MORTGAGE
MORTGAGE SOLUTIONS / 01Start with your situation
Your Mortgage.
More Options.
Buying, renewing or trying to make more room in your budget? Your mortgage is worth a closer look.
A hypothetical monthly payment change — not a mortgage offer
BEFORE$3,500/mo
AFTER$2,800/mo
$700/monthor $8,400 per year in lower payments
A lower payment may mean fees, penalties, a longer amortization and more total interest. This example does not mean you qualify or will save money overall. A licensed specialist needs to review your actual numbers.
8Twelve MORTGAGE
WHY 8TWELVE / 02Why speak with our mortgage team?
One Conversation.
More Choices.
You shouldn't have to guess whether the first mortgage option you hear is the right fit. A licensed mortgage specialist can help you compare what is available.
65+
Lender partners across Canada*
8Twelve Mortgage reports working with more than 65 lenders. More sources to review may mean more choices for your situation. It never guarantees approval or a lower rate.
A licensed mortgage brokerage
8Twelve Mortgage lists Ontario FSRA brokerage licence #13072. A properly licensed specialist handles rates, mortgage recommendations, applications and eligibility.
What should you compare?
What are the fees, penalties, interest and length of the loan?
Are you buying, moving, renewing or trying to pay off debt?
We make the introduction personal.
I'll personally introduce you to a licensed 8Twelve mortgage specialist I know and work with. They'll review the mortgage choices. I'll stay in touch to make sure you've connected and your questions get answered.
*Source: 8Twelve Mortgage's published lender-network information, www.8twelve.ca/about (Oct 2026). Ontario licence is listed at 8twelve.mortgage/licenses/. 8Twelve is a separate licensed mortgage brokerage.
8Twelve MORTGAGE
BUSINESS OPPORTUNITY / 03The service opportunity
More Ways to Help.
More Ways to Earn.
Your clients already have mortgage questions. You don't need to become their mortgage expert. You need to recognize the need, make a good introduction and follow through.
Here's what you do.
Ask
Find out whether someone is buying, renewing or trying to improve their cash flow.
Introduce
With permission, personally connect them with a licensed specialist at 8Twelve Mortgage.
Follow through
Confirm they connected, then agree when you'll check back.
Illustrative writing-agent compensation
FUNDED MORTGAGE$500,000
APPROX. WRITING AGENT$500
Working example: about $100 per $100,000 funded. The approximately $500 is the writing agent's amount after broker/upline allocation, not a pool to split again.
This is not guaranteed income or a published current pay schedule. Actual payment depends on funding, current written program terms, applicable licensing or registration, eligibility, required disclosures and timing. Verify the current arrangement before field use.
Two distinct roles.
8Twelve Mortgage is a separate licensed mortgage brokerage and its specialists give the mortgage advice. You own your client relationship and build your financial brokerage business. Introducing someone is not a promise of a commission.
8Twelve MORTGAGE
BUILDING YOUR BUSINESS / 04For someone exploring the opportunity
Start Part-Time.
Build With Support.
A mortgage introduction is one way to help a family. Building a business takes more: learning the work, serving clients, earning the right licences and following through.
A practical place to start
01Start where you are
Learn what this financial brokerage business involves and whether a part-time start fits your schedule.
02Work with a trainer
Observe real conversations and practise with support before taking on more responsibility.
03Get qualified
Complete the licensing or registration required for the services you provide and meet applicable program rules.
04Serve and grow
Help clients, make suitable introductions, follow up and, if it fits your goals, develop your own team.
What the business offers
Training, practical work with families, ways to serve more needs and potential compensation when eligible work is completed.
What it doesn't promise
Guaranteed clients, mortgage approvals, commissions, recruiting income or success. Results depend on real work and approved participation.
A natural next conversation
“I can show you how I'm building my financial brokerage, what support you would get and what you'd actually do. Would you want to take a look?”
8Twelve MORTGAGE
AGENT TOOL / 01Use during a real conversation
Mortgage
Conversation Guide.
Don't memorize a pitch. Find out what the person is trying to do, then decide whether a personal introduction would help.
Where to start
Renewal“When does your mortgage come up for renewal?”
If soon: “Have you compared your options yet?”
Monthly payments“Are you comfortable with what you're paying each month?”
Ask if their concern is the payment or the full cost.
Buying or moving“Any plans to buy or move in the next year?”
Ask about timing, not a mortgage approval.
Debt / refinancing“What's the main thing you're hoping to change?”
Listen for the goal. Let the specialist weigh the trade-offs.
When they respond
“I'm just looking.”“That's fine. What are you trying to figure out?”
Offer an introduction only if they want help.
“I already have a broker.”“That's good. Is there anything you're still trying to work out?”
Respect their relationship and their answer.
“Who is 8Twelve?”“It's a licensed mortgage brokerage with access to different lenders.”
Explain that your specialist is someone you know. Don't promise the lowest rate.
Asks about joining the teamKeep this separate.
Offer a discussion with a business leader about work, training and qualifications. Don't pivot a client's mortgage need into a pitch.
Personal introduction
“I know a licensed mortgage specialist at 8Twelve. Would you be open to me introducing you so they can review your options?”
Follow through: Ask permission to share a name and chosen contact detail, make the introduction, confirm the connection and agree on a date: “Would Thursday work for me to check back?”
Do not quote rates, promise approval, recommend loans or request confidential underwriting records. 8Twelve is a separate licensed mortgage brokerage. Respect a clear “no.”
8Twelve MORTGAGE
DISCOVERY FORM / 02For a first mortgage conversation
Mortgage Discovery.
Tell us what you're hoping to do. Leave anything you don't know blank. This is not a mortgage application.
01 / About you
02 / What would you like to do?
BuyRenewRefinanceConsolidate debtIncrease cash flow
03 / What do you already know? (optional)
04 / What matters most?
Lower paymentLower total costPay soonerUse equityFlexibility
05 / Questions for the licensed mortgage specialist
Use the optional continuation sheet for questions and notes. Keep this first sheet for the facts and introduction permission.
06 / Introduction permission
Do not record SIN, bank credentials, government ID, credit reports or private financial documents. Share completed forms only through an approved secure process.
8Twelve MORTGAGE
OPTIONAL NOTES / 03Continue your mortgage discovery
Questions.
Next Steps.
Use this page when the first worksheet isn't enough. Write down what matters to the person, and what they want the licensed specialist to help them understand.
Questions for the licensed mortgage specialist
What matters most about this decision?
Agreed next step
This page continues Mortgage Discovery. The client must give permission before sharing contact details. Do not record SIN, bank information, government ID or private underwriting records. Store completed pages securely.