ABOUT CUTTING EDGE LENDING
Mortgage Alliance Cutting Edge Lending is a collaborative team of mortgage professionals serving clients across British Columbia, Alberta, Saskatchewan and Ontario. Founded by Andrew Kempton in 2011, our brokerage was built on a simple belief that clients receive better advice when experienced professionals work together and openly share their knowledge.
Andrew brings nearly two decades of financial services, mortgage brokering and leadership experience to the team. As President and franchise owner, he remains actively involved in supporting our agents with challenging files, lender strategies, professional standards and the everyday demands of building a successful mortgage business. However, the strength of Cutting Edge Lending extends well beyond any one person.
Every member of our team brings valuable experience, insight and individual strengths. We regularly collaborate on mortgage strategies, discuss difficult scenarios and share what is working with different lenders and clients. This collective approach gives each agent access to the knowledge and perspective of the entire brokerage while allowing clients to maintain a trusted, personal relationship with their own mortgage professional.
For our clients, everything begins with listening. We take the time to understand each person’s circumstances, priorities and long-term goals before recommending a mortgage strategy. Whether someone is purchasing a home, refinancing, renewing or navigating a more complex financing situation, our goal is to provide clear guidance, greater choice and dependable support throughout the process.
Loyalty, accessibility and accountability are central to our culture. Our agents know they have a team standing behind them, and our clients can feel confident that their mortgage professional has the support of an experienced and connected brokerage.
At Mortgage Alliance Cutting Edge Lending, we believe individual success is strengthened by teamwork. By supporting one another, maintaining strong relationships with lenders and industry partners, and keeping our clients’ needs at the centre of every decision, we help Canadians make informed mortgage choices and move confidently toward their homeownership and financial goals.
WHY CHOOSE A MORTGAGE BROKER?
Here are five reasons why you should use a mortgage broker:
1. Lower rates
The most frequent reason people use a mortgage broker is that brokers can access multiple rates and lenders. They have access to the interest rates the banks don’t want you to know about! Mortgage Alliance Professionals send lenders millions of dollars of new business each month, they always offer us the deepest discounts which are passed on to you immediately - whether you are purchasing, refinancing or renewing.
2. Free services
Our services are free and at no cost to you (so long as you approved credit). Mortgage generally operate on commission; they are paid by the lenders who grant you your mortgage. Critics may argue that the cost of the broker is passed onto the borrower from the lender. But even if this is the case, if the interest rates offered through a broker are lower than the competitors - which they often are - you still end up the winner in the end.
3. Customization
A mortgage broker can tailor mortgage products to your specific needs, whether that be finding favourable prepayment terms or working with a more flexible lender for those who are self-employed. Because mortgage brokers tend have access to more lenders, they’re better able to find a mortgage based on your unique needs and financial situation.
4. Experience
Mortgage brokers can identify scenarios that had never crossed your mind and find ways to save you thousands over the duration of your mortgage. Cutting Edge Lending also has more than a dozen mortgage brokers serving Vancouver Island. Some members of team have 15-30 years of experience and many also have a real estate background. This provides a deep pool of experience for finding the right mortgage.
5. Convenience
You work full time, may have a growing family, and still have to remember to feed your pets. How can you find time to head into a bank branch to meet with a mortgage specialist? Our mortgage brokers are available on your terms - day, evening and weekends. They shop the market to save you time. Calling us is like calling over 50 different Banks, Credit Unions and Trust Companies at once.
