After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions

https://jordanbrantfordleaf.lucialpiazzale.com/the-credit-fixes-our-toronto-mortgage-broker-recommended-before-brampton-pre-approval

After our bank sent a renewal two weeks early I left it unopened until a broker's call explained lender-paid commissions, which I had never known.