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If there's one home-buying tip that can potentially save you thousands of dollars, it is this: Use the services of an independent mortgage broker. Their services are free and they will almost always be able to get you rates below what the banks offer you.

Featured here are links to selected mortgage brokers:
   Ontario Mortgage
   Access to 50+ mortgage lenders.
   http://www.ontariomortgage.com/

  
True North Mortgage
   Cross Canada mortgage broker.
   truenorthmortgage.ca

   Pioneer West Acceptance
   Mortgage experience made stress free.
   
pioneerwest.com

  
Manitoba Mortgage
   Quick and easy access to mortgage products.
  
manitobamortgage.com