Frequently Asked Questions

How do I become a member of the Sutton Member Program (SMP)?

Register online by clicking on the REALTORS® tab, then “Sign-Up”.

Once your application has been reviewed and processed, you will receive an email confirming your membership and a list of referral card numbers to distribute to your clients. Each client card has a unique number that is tracked back to you so make sure each client gets their own card and that your cards are provided only to your clients.

Is there a fee to join the program?
There is a $299 one time membership fee to join the program.

What is the benefit to me?
SMP distinguishes you from other REALTORS®. SMP will help you grow your business by attracting more clients.

What are the benefits to my clients?
Your clients can access the best rates, resulting in substantial savings over the term and life of their mortgage.

What mortgage products do you offer?
In addition to the best rate 1 to 5 year mortgages, we offer a wide variety of products and services to suit the individual needs of your clients.

Who can I refer to SMP?
You can refer any buyer or seller you represent in a real estate transaction, as long as your name appears on the purchase agreement. For refinancing and mortgage products available through other lenders (commercial financing, debt consolidation, etc.), you can refer anyone.

How do my clients apply for a mortgage through SMP?
All you need to do is give your client a referral card and tell them to visit to complete the online mortgage application. Our mortgage coordinators will work directly with your client to ensure their needs are met.

Does every client qualify?
Qualifications are based on the client’s financial situation. Not every client will qualify for the best rate, however, our experienced mortgage coordinators have access to a wide variety of mortgage products to suit each client’s needs.

What are the rates?
The rates change frequently depending on the market conditions. Please refer to our Calculator page for current rates and savings.

Do you have a mortgage calculator?
We do have a Canadian mortgage calculator that you can use to developer your mortgage plan.

What are the basic rate guidelines?
This depends on the product. Once your membership has been approved, you can download the Rate Guidelines sheet in the Members Page of our website.

Who are the lenders for SMP?
SMP and its full-service mortgage brokerage partner, Finder Financial Services Ltd., work with a large network of lenders. A list of preferred lenders can be viewed here.

If I am the listing agent of a property and an agent from the competition brings in a buyer can I offer the SMP rates to the buyer?
Absolutely! You may offer the SMP rates to the buyer at your discretion as long as your name appears on the purchase agreement. You have to give the buyer the client referral card and the client must provide your name and the membership number when they complete the online application