The information provided on this website is for general informational purposes only and does not constitute financial, legal, tax, or professional advice. While every effort is made to ensure accuracy and reliability, no representations or warranties are made regarding the completeness, accuracy, or timeliness of the information.

Mortgage products, interest rates, terms, and lender requirements are subject to change without notice and may vary based on individual qualifications, credit history, income, property type, and market conditions. Not all applicants will qualify for all products or advertised rates.

All mortgage applications are subject to lender approval, underwriting standards, and applicable regulatory requirements.

Licensing & Regulatory Disclosure

This website is operated by William Vanderlaan, a licensed Mortgage Agent in the Province of Ontario, authorized to conduct mortgage brokerage activities under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA).

Services are provided through Hewbrook Mortgage Brokerage, a licensed Ontario mortgage brokerage regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

Licensing information is available through FSRA at: https://www.fsrao.ca

No Client Relationship

Use of this website does not create a mortgage broker-client or agent-client relationship. A professional relationship is only established once a formal engagement has been confirmed and appropriate documentation has been completed.

Third-Party Links

This website may contain links to third-party websites for convenience or informational purposes. William Vanderlaan and Hewbrook Mortgage Brokerage do not endorse, control, or assume responsibility for the content, accuracy, or privacy practices of any external sites.

Privacy & Personal Information

Personal information collected through this website is handled in accordance with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

Information submitted through contact forms, applications, or communications is used solely for the purpose of providing mortgage and financing services and will not be disclosed to third parties except where required to facilitate services, comply with legal obligations, or with client consent.

Limitation of Liability

To the fullest extent permitted by law, William Vanderlaan and Hewbrook Mortgage Brokerage disclaim any liability for any loss, damage, or inconvenience arising from the use of this website or reliance on its content.

Users assume full responsibility for their use of the information provided and are encouraged to seek independent professional advice before making financial decisions.

Intellectual Property

All content on this website, including text, logos, graphics, and images, with the exception of third party or lender institution logos are the property of William Vanderlaan and/or Hewbrook Mortgage Brokerage and may not be reproduced, distributed, or used without prior written consent.