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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errorsButler Mortgage is a mortgage brokerage, not a lender. It can shop mortgage offers through lenders, but an advertised low rate is not a promise that every borrower will qualify or that Butler will beat a bank. Whether it is worth contacting depends on the written offer you receive, the total cost and conditions, and the terms of the service agreement.
What Butler Mortgage does
NerdWallet Canada’s review, published October 3, 2026, describes Butler as a high-volume, Ontario-based brokerage serving Canada and says it works with at least 20 lenders. That is NerdWallet’s reported count, not a regulator-verified figure. Butler arranges offers; the lender named in your approved mortgage is the institution providing the loan.
The review lists fixed- and variable-rate mortgages, renewals, transfers, refinances, home equity lines of credit, construction mortgages, purchase-plus-improvement financing, newcomer and self-employed solutions, investment properties, second homes, cash-back mortgages, and open and closed mortgages. Butler’s site also describes purchases and pre-approvals. Product and provincial availability depend on the borrower, property and lender. NerdWallet’s Butler Mortgage review and Butler’s website describe the company’s services.
Butler says its process can include an online contact form, a consultation, reviewing offers, gathering documents and help through closing. Its website also advertises a 120-day rate hold through RateGuard. Confirm current eligibility, conditions and what happens if your closing date or circumstances change; the advertised duration is a company claim, not a guarantee that every borrower can lock a rate on those terms.
#1 Best Overall
- Loan Amortization and Remaining Balances
- Instant Principal, Interest, Interest Only and Total Payments
- Future Values
- Date math function
Are Butler Mortgage’s rates really the lowest?
NerdWallet gives Butler’s advertised-rate presentation a favorable assessment and says low advertised rates may reflect buying down a rate or accepting a smaller lender commission. That is an explanation of the brokerage’s approach, not proof that a particular borrower will receive the lowest rate. The rate available to you can depend on qualification, property, loan-to-value, mortgage term, amortization, lender and other conditions. Treat any displayed rate as an invitation to request a quote, not as a personalized approval or guaranteed offer.
Rates and lender offers change. Ask for a written quote showing the lender and whether the mortgage is insured or uninsured. Check that the borrower and property meet the lender’s criteria, and compare the quote with your bank’s renewal offer or quotes from other lenders or brokers. NerdWallet advises borrowers to work with a broker or negotiate directly with multiple lenders.
Rank #2
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan AMT, Int, Term, PMT. This industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and much more
- CONFIDENTLY AND EASILY SOLVES: All your clients' financial questions whether they are buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: At the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or tvm calculations Find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: Reduce your clients' confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket User's Guide, and long-life batteries
Compare the full borrowing terms
Compare offers on the same assumptions, not just the headline rate. Ask for the details in writing and line up:
- Mortgage structure: lender, fixed or variable rate, term, amortization, payment amount and compounding convention.
- Costs: fees, appraisal costs, legal costs and any other charges tied to approval, funding or discharge.
- Flexibility: prepayment privileges, portability and the penalty for breaking or transferring the mortgage.
- Conditions and timing: approval conditions, document requirements, rate-hold terms and the expected closing timeline.
A lower rate can be less attractive if fees, restrictions or a costly discharge penalty outweigh the interest savings. Ask the broker to identify the actual lender and explain any condition you do not understand before accepting.
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Rank #3
- DEDICATED FUNCTION KEYS for Quick Financial Solutions: Clearly labeled function keys enable you to quickly and confidently provide financial answers and options for your clients, whether in the office, in the car or at an open house. Compare loan options and provide payment solutions to give your client choices
- INSTANT FINANCIAL PROBLEM SOLVING: Solve the financial questions your clients have whether they are buyers, investors or renters; increase your perceived professionalism and close more home sales by quickly answering real estate finance problems including remaining balances
- RESIDENTIAL REAL ESTATE FINANCE TERMS: Keys labeled in residential real estate finance terms like Loan AMT, Int, Term, PMT; Calculator is super easy to use to determine a mortgage loan that works for your client
- VERSATILE LOAN CALCULATION OPTIONS: Calculate 80:10:10 or 80:15:5 combo loans at the press of a button; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices
- COMES COMPLETE: Comes with a protective slide cover, quick reference guide, pocket user's guide, two long-life batteries, and 1-year warranty
What fees or agreement terms should you check?
Before signing a broker or service agreement, ask whether you will owe a fee, when it would become payable, and whether any clause limits your ability to work with another broker or lender. Read any rate-match, exclusivity, cancellation or compensation language carefully. Get explanations and changes in writing rather than relying on an informal assurance.
A BBB customer review includes an individual allegation of confusion involving a $995 fee and a service agreement. It is one customer’s account, not a proven company-wide practice or a finding by a regulator. It is a practical reason to clarify the fee and agreement terms before signing. The BBB profile for Butler Mortgage Inc. says the business is not BBB accredited; BBB information is neither regulatory approval nor an endorsement. Butler’s testimonials page features positive accounts selected by the company, not a representative survey. Neither selected testimonials nor a small number of complaints establish typical customer satisfaction.
Rank #4
- SPEAKS YOUR LANGUAGE: Keys clearly labeled in residential mortgage finance terms like Loan Amt, Int, Term, Pmt; this industry-standard calculator is super easy to use on all realty financing matters from finding a loan that works for your client to considering trust deeds investments, or finding remaining balances or balloon payments and more
- CONFIDENTLY AND EASILY SOLVE: Clients' financial questions whether they're buyers, sellers, investors or renters. Increase your perceived professionalism as a new agent, experienced broker or seasoned loan officer. Close more home sales and impress your clients with fast, accurate answers to all their real estate finance questions from PITI Payments to IRR, NPV and Cashflows
- DEDICATED BUYER QUALIFYING KEYS: Enter client's income, debt and expenses to pre-qualify them to only show properties they can afford. Include tax, insurance and mortgage insurance then compare loan options and payment solutions to give your client choices before they make an offer to buy
- FIGURE OUT THE RIGHT LOAN: For your client at the press of a button for jumbo, conventional, FHA/VA, or even 80:10:10 or 80:15:5 combo loans; check to see if ARMs or bi-weekly loans, quarterly payments or if interest-only payments are the answer; giving your client more choices; easily perform what if loan or TVM calculations find loan amount, term, interest or PITI or PI payments
- BECOME AN INVALUABLE RESOURCE: To your clients by reducing their confusion and uncertainty; ensuring they are able to make a purchase offer; knowing they can afford the down payment; and determining which is the right loan for them. Date-math for listings and contracts too. Comes with a protective slide cover, quick reference guide, pocket user's guide, and long-life battery
Is Butler Mortgage legitimate and licensed?
The British Columbia Financial Services Authority (BCFSA) public record identifies Butler Mortgage Inc. and displays a registration expiry date of June 23, 2027, with no conditions or restrictions shown on that record. It also lists the Toronto head office and branches including Calgary, Hamilton and Ottawa. This is a record for the brokerage in BCFSA’s register, accessed October 4, 2026; it is not a substitute for checking the current register that applies to your province or confirming the individual broker handling your file.
Before proceeding, use the relevant provincial regulator’s register to verify both the brokerage and the specific broker. The BCFSA record for Butler Mortgage Inc. is a useful example of the information a public register may show, but it does not answer licensing questions for every jurisdiction.
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- Extra large 12-digit angled display.
- Loan Wizard.
- Automatic Tax Keys.
- Selectable decimal setting.
- Input any three loan variables to compute the fourth.
Should you use Butler, your bank or another broker?
Butler may be worth contacting if you want a broker to seek offers from multiple lenders or need a mortgage type your bank does not readily offer. A bank may be convenient if you already have a relationship there, but its offer is only one point of comparison. Another brokerage can provide a useful second quote. The available evidence does not establish a controlled head-to-head result showing that Butler consistently offers better rates, service or outcomes than banks or competing brokers.
Make the choice using the borrower-specific offer and service terms, not the brand’s advertised rate alone. Compare:
- your rate and total borrowing cost across the full term;
- the lender and product options available for your situation;
- all fees and obligations in the broker agreement;
- how promptly the broker answers questions and handles documents;
- prepayment, portability and discharge flexibility; and
- licensing and clarity about who is arranging and providing the loan.
For a renewal, include your existing lender’s offer in the comparison. For any transaction, do not accept an offer until you understand the conditions, costs and closing timeline.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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