I and/or my firm participates in mortgage referral programs offered by the bank(s) shown below. Although I am not licensed to sell mortgage products, these programs authorize me to introduce bank mortgage representatives employed at the bank(s) below and my existing clients to each other, in order to better serve you. Clients are not under any obligation, it is entirely up to you to decide if, when and where to apply for a mortgage. Clients do not pay me a fee to arrange the introduction, whether they proceed with a mortgage application or not, or whether an application is successful or not. If a mortgage application is successful, I will receive referral fees and/or other remuneration, directly or indirectly, from the bank.