On most occasions there is no cost to the consumer for using the services of a mortgage broker because they are usually paid by the lender. We will tell you up front about any and all costs; e.g. appraisals, C.M.H.C. fees, legal fees, broker/lender fees, etc. There may be situations where we are unable to quote exact fees; e.g. legal fees. This is due primarily to continually increasing government charges, costs for land title registration and other services beyond our control.