Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site.

# EMC Mortgages Canada Inc.

Money Made Simple.

## Sitemaps

- [XML Sitemap](https://www.emcmortgages.ca/sitemap.xml): Contains all public & indexable URLs for this website.

## Pages

- [Home](https://www.emcmortgages.ca/) - Canadian Mortgage Broker of the Year EMC was the first brokerage to earn this recognition when it launched in 2007. Mortgage Lifetime Achievement Award Mortgage Industry Outstanding Achievement Award Mortgages 25,000 + Years in Business 28 Funded $4,500,000,000+ “My EMC boker has been extraordinarily helpful from the very start. His many years of experience mean...
- [VCH](https://www.emcmortgages.ca/vch/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to VCH employees and their families! CURRENT PROMOTION: Check out our current rate specials to VCH clients!* Download the latest promotion here EMC has assisted many VCH employees with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines of credit Financial
- [TRU](https://www.emcmortgages.ca/tru/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to TRU Alumni members and their families! CURRENT PROMOTION: Check out our current rate specials to TRU Alumni members!* Download the latest promotion here EMC has assisted many TRU Alumni members with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines
- [Providence](https://www.emcmortgages.ca/providence/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to Providence Health employees and their families! CURRENT PROMOTION: Check out our current rate specials to Providence Health clients!* Download the latest promotion here EMC has assisted many Providence Health employees with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines
- [PHSA](https://www.emcmortgages.ca/phsa/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to PHSA employees and their families! CURRENT PROMOTION: Check out our current rate specials to PHSA clients!* Download the latest promotion here EMC has assisted many PHSA employees with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines of credit Financial
- [Northern Health](https://www.emcmortgages.ca/northern-health/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to Northern Health employees and their families! CURRENT PROMOTION: Check out our current rate specials to Northern Health clients!* Download the latest promotion here EMC has assisted many Northern Health employees with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines
- [NNPBC](https://www.emcmortgages.ca/nnpbc/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to the Nurses and Nurses Practitioners of British Columbia members their families! CURRENT PROMOTION: Check out our current rate specials to NNPBC clients!* Download the latest promotion here EMC has assisted many clients with: Discounted mortgage rates and products Significant monthly savings Debt consolidation Lines
- [MTU](https://www.emcmortgages.ca/mtu/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to MTU employees their families! CURRENT PROMOTION: Check out our current rate specials to MTU clients!* Download the latest promotion here EMC has assisted many MTU clients with: Discounted mortgage rates and products Significant monthly savings Debt consolidation Lines of credit Financial Advising *On approved
- [Island Health](https://www.emcmortgages.ca/island-health/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to Island Health employees their families! CURRENT PROMOTION: Check out our current rate specials to Island Health clients!* Download the latest promotion here EMC has assisted many Island Health clients with: Discounted mortgage rates and products Significant monthly savings Debt consolidation Lines of credit Financial
- [ICG669](https://www.emcmortgages.ca/icg669/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to ICG 669 members and their families! CURRENT PROMOTION: Check out our current rate specials to ICG 669 clients!* Download the latest promotion here EMC has assisted many ICG 669 clients with: Discounted mortgage rates and products Prequalification for new purchases Significant monthly savings Debt
- [IATSE891](https://www.emcmortgages.ca/iatse891/) - EMC Mortgages is pleased to offer our Mortgage Savings Program for IATSE Local 891 members and their families! CURRENT PROMOTION: Check out our current rate specials to IATSE 891 clients!* Download the latest promotion here EMC has assisted many IATSE members with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines
- [Fraser Health](https://www.emcmortgages.ca/fraser-health/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to Fraser Health employees and their families! CURRENT PROMOTION: Check out our current rate specials to Fraser Health clients!* Download the latest promotion here EMC has assisted many Fraser Health clients with: Discounted mortgage rates Significant monthly savings Debt consolidation Lines of credit Financial Advising
- [CUPE 728](https://www.emcmortgages.ca/cupe-728/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to CUPE 728 members and their families! CURRENT PROMOTION: Check out our current rate specials to CUPE 728 clients!* Download the latest promotion here EMC has assisted many clients with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings Debt consolidation Lines of credit
- [Coast Mountain Bus](https://www.emcmortgages.ca/coast-mountain-bus/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to Coast Mountain Bus employees and their families! CURRENT PROMOTION: Check out our current rate specials to Coast Mountain Bus clients!* Download the latest promotion here EMC has assisted many Coast Mountain Bus clients with: Prequalification for new purchases Discounted mortgage rates Significant monthly savings
- [Contact](https://www.emcmortgages.ca/contact-us/) - Free: 1.888.362.6847Fax: 604.739.0334
- [Renew](https://www.emcmortgages.ca/renew/) - Book Your Renewal Appointment Time to Renew?Renewing a mortgage with EMC Mortgages can offer several benefits:Opportunity to negotiate better interest rates and terms than the current mortgage, leading to long-term savings.Simplified process and elimination of the need to shop around for a new lender, saving time and effort.Access to additional services such as debt consolidation
- [Refer](https://www.emcmortgages.ca/refer/) - REFER A FRIEND When you refer the people you care about to us, everyone wins! Word of mouth is the #1 reason EMC Mortgages has grown to be one of the top mortgage firms in Canada. Thank you for introducing EMC to the people you care about. We appreciate it! Friends Refer Friends
- [Consult](https://www.emcmortgages.ca/consult/) - TALK TO ONE OF OUR MORTGAGE EXPERTSWe know you’re busy. We’ll work around your schedule to make sure you get all the answers you need. Let us know what time works for you and we’ll give you a call.
- [BCRTA](https://www.emcmortgages.ca/bcrta/) - EMC Mortgages is pleased to offer our Mortgage Savings Program to members of the BC Retired Teachers’ Association! CURRENT PROMOTION: Check out our current rate specials to BCRTA members!* Download the latest promotion here EMC Mortgages has a long-standing history serving BC educators through the BCTF. Our team understands the unique financial needs of teachers,
- [BCTF AGM 2026](https://www.emcmortgages.ca/bctf-agm2026/) - Thanks for visiting us at the BCTF AGM 2026 Please complete this form and submit for your chance to win!* *Please complete and submit by 5pm Mar 17, 2026 By completing this form, you’ll be subscribed to our newsletter, which delivers valuable mortgage tips, updates, and insights to help you make informed decisions—you can unsubscribe
- [STC 2026](https://www.emcmortgages.ca/stc-2026/) - Thanks for visiting us at the 2026Surrey Teacher's Convention Please complete this form and submit for your chance to win!* *Please complete and submit by 5pm May 1, 2026 By completing this form, you’ll be subscribed to our newsletter, which delivers valuable mortgage tips, updates, and insights to help you make informed decisions—you can unsubscribe
- [Mortgage Tools](https://www.emcmortgages.ca/mortgage-tools/) - Mortgage Tools Use the following online mortgage tools to help determine your best course of action. Below are a couple of mortgage tools that may assist you in better understanding mortgages, calculating rates and payments. While they will be helpful, speaking to a qualified and experienced broker is always best – give us a call
- [New Teachers' Conference 2026](https://www.emcmortgages.ca/ntc2026/) - Thanks for visiting us at the 2026 BCTF New Teachers' Conference Please complete this form and submit for your chance to win!* *Please complete and submit by 5pm Feb 7, 2026
- [2025-STA](https://www.emcmortgages.ca/2025-sta/) - Thanks for visiting us at the2025 STA Convention Please complete this form and submit for your chance to win!* *Please complete and submit by 5pm May 2, 2025 By completing this form, you’ll be subscribed to our newsletter, which delivers valuable mortgage tips, updates, and insights to help you make informed decisions—you can unsubscribe at
- [BCTF Testimonials](https://www.emcmortgages.ca/bctf-testimonials/) - Happy Teacher Testimonial Section EMC is dedicated to helping teachers make well-informed decisions when it comes to their mortgages. EMC has helped 1000s of teachers for over 27 years Based in British Columbia since 1994 Access to 45 lenders with many mortgage options, an easy process, and volume discounts on mortgage interest rates Talk to
- [Testimonials](https://www.emcmortgages.ca/testimonials/) - Happy Client Testimonial Section EMC Mortgages is dedicated to helping clients make informed mortgage decisions. EMC has helped 1000s of people for over 27 years Access to many mortgage options, an easy process, and volume discounts on mortgage interest rates Talk to an EMC Mortgage Expert. 28 years experience helping good people Click Here Highly
- [Renew](https://www.emcmortgages.ca/sms-renew/) - Book Renewal Appointment Renew Your Mortgage Renewing a mortgage with EMC Mortgages can offer several benefits: Opportunity to negotiate better interest rates and terms than the current mortgage, leading to long-term savings. Simplified process and elimination of the need to shop around for a new lender, saving time and effort. Access to additional services such
- [Who We Are](https://www.emcmortgages.ca/who-we-are/) - We bring a wealth of knowledge and a personalized approach to every client, ensuring that the path to securing your ideal mortgage is smooth and stress-free.
- [Garth Ellis](https://www.emcmortgages.ca/who-we-are/garth-ellis/) - Founder of EMC Mortgages Garth Ellis, the founder of EMC Mortgages Canada, began his mortgage career in 1995. CAREER HIGHLIGHTS One of Canada’s longest serving “original” mortgage brokers, since 1995. Completed over 30,000 mortgages = $5,000,000,000+ in funded volume. Annually ranked as one of Canada’s highest producing mortgage brokers. AWARDS AND RECOGNITION 2007 Canadian Mortgage
- [Careers](https://www.emcmortgages.ca/careers/) - Simple. We offer career growth opportunities. We also offer an inspirational, challenging workplace for you to reach your greatest potential. You can also expect a diverse and flexible learning environment, which will challenge you to build on your strengths and gain new skills.At EMC Mortgages we support a culture of accountability. We have a philosophy
- [Testimonial](https://www.emcmortgages.ca/testimonial/) - Client TestimonialIt was a pleasure working with you to secure the mortgage for your home!Please take a few moments to leave us a Google review Your review will not only help others make informed decisions about their mortgage options, but it will also help us continue to improve and provide the best possible service to
- [Apply Now](https://www.emcmortgages.ca/apply-now/) - ONLINE MORTGAGE APPLICATIONApply NowTo get started, apply now by simply completing the mortgage application below. One of our knowledgeable mortgage brokers will contact you to provide a free mortgage assessment. We understand that you need a mortgage solution that will suit your current and future needs, as well as your budget. When you apply below we
- [Home Equity Loan](https://www.emcmortgages.ca/home-equity-loan/) - A Home Equity Loan Can Help Your Retirement!Home Equity loans have come a long way.A home equity loan is a loan secured against the value of your home. However, unlike a traditional Home Equity Line of Credit or second mortgage, you are not required to make monthly mortgage payments for as long as you live in
- [Privacy Statement](https://www.emcmortgages.ca/contact-us/privacy-statement/) - VERICO ELLIS MORTGAGES CANADA INC. PRIVACY STATEMENT At VERICO Ellis Mortgages Canada Inc. we respect the privacy of our clients and we are committed to keeping your personal information accurate, confidential, secure and private. VERICO Ellis Mortgages Canada Inc. has adopted the following Privacy Policy to ensure that we continue to meet our commitment to
- [Legal Disclosure](https://www.emcmortgages.ca/contact-us/legal-disclosure/) - VERICO ELLIS MORTGAGES CANADA INC. LEGAL DISCLOSURE Limitation of Liability and Disclaimer USE OF THIS SITE AND CONTENT IS SOLELY AT YOUR OWN RISK. VERICO Ellis Mortgages Canada Inc. provides the Site and the Content on an “as-is, where-is” basis, and does not represent, warrant or guarantee that the Site or the Content will be
- [Mortgage Calculator](https://www.emcmortgages.ca/mortgage-calculator/) - Mortgage Calculator *This value is not final and your mortgage advisor will be able to provide a better solution to your case.
- [Mortgage Glossary](https://www.emcmortgages.ca/glossary/) - GlossaryMortgage Terms Explained Acceleration ClauseA clause in your mortgage which allows the lender to demand payment of the outstanding loan balance for various reasons. The most common reasons for accelerating a loan are if the borrower defaults on the loan or transfers title to another individual without informing the lender.Adjustable-Rate Mortgage (ARM)A mortgage in which

## Layout Parts

- [Footer](https://www.emcmortgages.ca/tbuilder-layout-part/footer/) - Talk to an Expert today. Whether you're looking to renew, refinance, or access your home's equity, our experienced brokers are here to help. Contact us today to explore your options and make the most of your home's value. Make an Appointment emc@emcmortgages.ca 604-739-0320 604-670-8579 1-888-362-6847 604-739-0334 Each Verico broker is an independent owner operator.TM® trademarks
- [Mortgage Calculator Button](https://www.emcmortgages.ca/tbuilder-layout-part/mortgage-calculator-button/) - Mortgage Calculator
- [Footer Contact](https://www.emcmortgages.ca/tbuilder-layout-part/footer-contact/) - email: emc@emcmortgages.ca phone: 604-739-0320 free: 1-888-362-6847 fax: 604-739-0334
- [Footer Talk to an Expert](https://www.emcmortgages.ca/tbuilder-layout-part/footer-talk-to-an-expert/) - Talk to an Expert today.Whether you're looking to renew, refinance, or access your home's equity, our experienced brokers are here to help. Contact us today to explore your options and make the most of your home's value. Make an Appointment

## Global Styles

- [Pricing Box](https://www.emcmortgages.ca/tglobal-style/tb_gs29815d0/) - Heading 1Heading 2Heading 3Heading 4This is a sample Text module.