Brokers vs Banks: Greg Pilling explains all!

When you're shopping for a mortgage, your first instinct might be to call your bank. That's a safe choice—until you realize it's also a limiting one. At Current Mortgage, we're independent mortgage brokers. That means we can give you access to more choices, better rates and a truly personalized loan experience.

That's because we work on your behalf—not for any one lender. We shop your loan across a wide range of lenders to find the program, rate and terms that work best for you. Banks, on the other hand, can only offer their own products. If you don't fit their criteria, you might be denied—or end up with a loan that just isn't your best option.

What sets brokers apart?

What sets us apart from banks—and why you might want to choose a broker like us—is the freedom to shop around. We have access to dozens of lenders with a wide range of programs. That means we can find you a loan that fits your needs, even if you don't fit the bank's lending guidelines.

There are a few key areas where working with a broker like us gives you an advantage. First, we can work with clients who don't fit inside the conventional box—self-employed borrowers, real estate investors or buyers with recent credit events. We can also close loans faster than traditional banks—because we have fewer layers of bureaucracy to navigate.

Why work with a broker?

When you work with us, you get a strategic partner who builds a mortgage plan around your goals, timeline and financial profile. We're not here to sell you one loan—we're here to find the right one. And because we're not tied to a single institution, we can negotiate better pricing, faster turn times and more favorable terms.

So, when should you choose a broker over a bank? If you're self-employed or have complex income, if you want to compare multiple loan options without shopping lenders yourself, if you need flexible loan terms or non-QM solutions—or if you just value personalized service and transparent guidance.

Contact Us

At Current Mortgage, we work with everyone from first-time buyers to experienced investors. We know how to get deals done, even when others can't. And we make the process simple, efficient and client focused.

If you want more control, more options and someone advocating for you—not the bank—then working with a mortgage broker is the smart move. Contact us today to learn how we can help you find the best mortgage solution for your needs.