What working with us is actually like

Seamless experience working with Phil and team for mortgage application and renewal.

Devin Jeffrey

Google · September 2026

I dealt with Craig on 2 mortgages. He is very knowledgeable and honest. He got me the best rates after me shopping around.

Billy Leeb

Google · September 2026

I had an excellent experience with Rate Connect and Phil. Each of my conversations with Phil was very informative, and he provided excellent service, advice, and guidance throughout the process. I really appreciated his knowledge and professionalism. I would highly recommend Phil at Rate Connect to anyone looking for knowledgeable and reliable mortgage advice.

Alex G

Google · September 2026

Working with Phil has been an amazing experience. He has helped secure mortgage for our first home with a great rate where other agents/banks could not even come close. We have worked with Phil on multiple occasions including refinance and everytime he has come through with options that are best for us. I would 100% recommend Rate Connect.

Ankita Gaglani

Google · September 2026

We used Phil for many of are mortgages and refinancing over the years and he always gave good service and friendly service.

Jean-Marc Arsenault

Google · September 2026

Phil is an excellent broker. He explains the options properly, answers every question patiently, and you can tell he's thinking about what's right for you rather than what closes fastest. I highly recommend Phil and the Rate Connect team.

Abayomi Ojo

Google · September 2026

I’ve worked with Phil Cragg and his team at RateConnect on multiple occasions, and I’ve had an excellent experience every time. Phil is a knowledgeable and professional mortgage agent who is always quick to respond and makes the entire process straightforward. He has consistently found mortgage options that best suited my needs. Everything has gone smoothly each time I’ve worked with him and his team. I would highly recommend Phil to anyone looking for a reliable mortgage agent.

Arif

Google · September 2026

Phil and his team helped us along the way in all our mortgage endeavors. Good communication and gets the job done!

Kim Duhaime

Google · September 2026

Have been a customer of Phil for many years now and two mortgages, him and his team are the best. Ive recommended him to coworkers and friends.

nope

Google · September 2026

Phil and team have helped me navigate and get the best rates for two of my mortgages. They know their business and how to communicate it clearly so you can make the best decisions for yourself. 10/10 would do again.

Jesse Burcsik

Google · September 2026

Cody & Phil are my trusted source for the best rates around. Great people 🙌

Anthony Fera

Google · September 2026

Phil and his team were wonderful - clear and helpful throughout all of our questions. Will definitely use them again in the future

Brenna Arbour

Google · September 2026

I have used Phil at Rate Connect a few times, very professional, quick to respond and always give good advise. Provides options and gives you solid advice on which mortgage is right for you! Definitely recommend!!

Heather Lafleur

Google · September 2026

Phil and his team were amazing! Phil was incredibly knowledgeable and took the time to walk me through all of my options. He was never pushy and was always patient in answering my many questions, both as a first-time homebuyer and later during my first renewal. He made the whole process feel straightforward and stress-free. I would definitely recommend Phil and his team!

Michelle Siu

Google · September 2026

Phil was great in a time crunch, found us some good options and made it all work!

stephan chartrand

Google · September 2026

Phil at Rate Connect has helped me twice now, and both experiences have been fantastic. He’s knowledgeable, responsive, and always gets the best rates!

Lindsey Gibeau

Google · September 2026

Dealing with Phil was fantastic. His attention to detail and expertise really shines through with his recommendations and advice. We highly recommend Phil for all your mortgage renewal needs.

John Caves

Google · September 2026

Phil is the absolute best! My mortgage was complicated and Phil streamlined the whole process to make it easy, painless and so much less stressful,. I would recommend him to anyone.

Alicia Smith

Google · September 2026

Working with Phil Cragg and Rate Connect has been an absolute pleasure! Phil is professional, reliable, and incredibly knowledgeable. He makes the entire process seamless and ensures you're taken care of every step of the way. If you're looking for trustworthy service and great communication, I highly recommend Rate Connect!

Dilip Vasudevmurthy

Google · September 2026

Highly recommend Rate connect. Phil and his excellent mortgage professionals team made the whole process very easy for me.

Waqas Nazir

Google · September 2026

Fantastic knowledge great rates and so easy to work with!

Rahul Nakra

Google · September 2026

Phil and his team helped us with our mortgage and and renewal, it was seamless each time. Highly recommend!

Mary-Jane Chukwu

Google · September 2026

Phil was absolutely amazing and I will recommend him anytime

Duntan Salvador

Google · September 2026

We had an incredible experience with Phil. As first-time home buyers, this process was a whole new unknown to us. Phil talked us through everything step-by-step. He and his team answered emails almost instantly, and to ease any of our concerns, he was always ready to jump on the phone and answer questions whenever requested. He was friendly, extremely knowledgeable, and dependable. He did everything he said he would do and he even managed to get us a lower rate at the last minute! It's not often you get the whole package, but Phil and his team were truly exceptional!

Sofia C

Google · September 2026

We had a great experience working with Phil. He was extremely helpful, professional, and always found a way to make things work. Honestly, sometimes it felt like he could do the impossible! 😊 He made the whole mortgage process much easier for us, was always available when we had questions, and went the extra mile to help us get the best possible outcome.

Albina Peled

Google · September 2026

My wife and I had a fantastic experience working with Craig. Information was always given to us in a timely manner and every question we had was answered promptly and thoroughly. We felt supported and are very happy with the service we received. Highly recommend!

Luke Graham

Google · September 2026

It was my pleasure working with Phil, he and his team are very professional and one of the best in the industry. He is committed to getting the best terms, communication is great and he has a very efficient process.

Viktor H

Google · September 2026

Phil Cragg and his team provided outstanding service while helping refinance my home. They were knowledgeable, responsive, and made the entire process seamless. Phil also assisted in finding a contractor for my renovations, which was greatly appreciated. I highly recommend Phil and his team for anyone looking for mortgage and financing expertise. Diane T.

Diane Turcotte

Google · September 2026

Phil and his team were awesome to deal with..They secured a fatnatic rate and terms for me on my renewal. Highly recommended if you're looking for a new, or renewing a mortgage

Steven Tower

Google · September 2026

Phil was great to deal with, definitely got us set up when the banks nothing but useless.

Warren Dool

Google · September 2026

Good rates, quick responses, professional advices.

Alex & Olga Bulanov

Google · September 2026

Phil Cragg has helped so many of my clients get the best rate and terms for their mortgage over the years. Not only has he taken great care of my clients and their mortgage needs, but he has also helped me with 3 of my own mortgages! Highly recommend!

Kristen Davis

Google · September 2026

Phil is an excellent mortgage broker—creative, knowledgeable, and always helpful. He’s full of solutions and knows how to find a way to get the deal done, even when things get complicated. Highly recommended!

Jack Uppal

Google · September 2026

Phil was great, helped us save $$$

Ian Leaf

Google · September 2026

Phil & Stefano are a great team. Approachable, diligent and great at what they do. We’ve completed 2 purchases with them and referred family members for renewals. Stefano has been extremely helpful in securing great rates at the right times. He’s our go-to guy.

Corine Falconer

Google · September 2026

Phill has given Excellent service throughout both my home purchase and mortgage renewal—professional, responsive, trustworthy, and highly recommended!

Sam Gill

Google · September 2026

Personal experience, Phil is the best! Very transparent with rate. What rate was promised that got delivered. Very responsive, answered all my questions. Yes I was FTHB and having Phil as mortgage guy is having blessings!

Fenil Lad

Google · September 2026

Phil and his team got a great mortgage rate for me and the whole process was super easy. Excellent communication. Highly recommended and would use again in the future!

Cameron Wilson

Google · September 2026

Phil was fantastic to deal with when he helped us with our mortgage about nine years ago. His exceptional service and professionalism have kept us referring him to our friends, family, and contacts ever since. Highly recommend Phil!

Sonia McEwan

Google · September 2026

I have used Phil and his team now for 3 different real estate purchases over 15 years. He made the process easy, and l got rates from the bank through Phil that the bank wouldn’t give me direct! Not only do l get the best deal, but he is also fun to work with. Contessa 😉

Deb Statz

Google · September 2026

Always replies quickly and has given us excellent advice on our mortgage renewals over the years. Will absolutely continue to work with Phil for as long as we are homeowners.

Mel Trinh

Google · September 2026

Great experience from start to finish. Being self-employed, getting financing can sometimes be a little more complicated, but Phil and his team made the entire process straightforward and stress-free. Very knowledgeable, responsive, and always quick to answer questions. Highly recommend!

Deven Lefebvre

Google · September 2026

Phil communicated with me regularly and reliably on the status of my file which I greatly appreciated.

Natalie King

Google · September 2026

I had an excellent experience working with Phil and his team. They were knowledgeable, responsive, and supportive throughout the entire mortgage process. They explained everything clearly, answered all my questions promptly, and ensured that each step went smoothly. Their professionalism and attention to detail gave me complete confidence that I was in good hands. What could have been a stressful experience felt straightforward and positive. I would highly recommend Phil Cragg to anyone looking for a trustworthy and dependable mortgage broker.

Krista Richard

Google · September 2026

Absolutely great experience with Phil. Extremely professional, knowledgeable, strategic, and thorough. Was able to obtain a substantially lower rate through him. Complete worry and stress free experience. Highly recommend to go to Phil first.

Dave Hase

Google · September 2026

Got our mortgage done quickly and we had great service! Highly recommend!

Marc Sirotich

Google · August 2026

Phil and his team are exceptional and professional. Phil goes above and beyond to help their clients. He ensures clients secure the best deal possible and keeps everything transparent from the start. He guides clients with absolute professionalism and ensures they understand any risks if any. He is my go-to person for anything related to mortgages. I highly recommend Phil for your mortgage applications.

Eeti Singh

Google · August 2026

Competitive rate and fast response! Not like bank give bonus or cashback, it focus on give you best rate and good service.

Jionghui Wu

Google · August 2026

I would highly recommend Phil Cragg at Rate Connect for mortgage solutions. He is very easy to work with, works hard to get you the best product with the competitive mortgage rate.

A Parikh

Google · August 2026

Phil was awesome to deal with. Shopped for the best rate for us and he did all the work. Easiest experience I ever had. Highly recommend Phil if you are looking for best rates and solutions.

Sharon mcgloughlin

Google · August 2026

Phil Cragg provided timely, accurate and quality information ane service while getting a mortgage. Highly recommend

Jonathan Peart

Google · August 2026

First class service Phil delivers on time and the right rate

brian lyall

Google · August 2026

Phil helped us when our bank turned us away. Got us the best deal. We use Phil again.

Robert McCaig

Google · August 2026

My experience with Phil was exceptionally great, I would recommend him anytime.

Cheryl Umegboh

Google · August 2026

I had a great experience with Rate Connect mortgage company. They were extremely knowledgeable,professional and worked very hard to get my mortgage approved. They were able to get me approved on the A-side, which I really appreciated. What stood out the most was the sound financial advice they provided throughout the process. They took the time to explain my options, and answer all my questions. I highly recommend them to anyone looking for a mortgage professional who is knowledgeable, hardworking and genuinely committed to getting the best outcome for their clients. Great job start to finish !

Eric Lecoupe

Google · August 2026

Phil made to process of getting our dream home a breeze. He walked us through step by step ensuring we were getting the best rate possible. With him there was no such thing as a stupid question he took the time to answer and explain the reasoning for that answer. Highly recommend Phil he will take care of you and make you feel like you’re family.

Amanda Labonté

Google · September 2025

Phil and his team are an excellent group to work with; they helped me lock-in an excellent rate even when my previous mortgage had an unusual arrangement.

Phil I

Google · June 2025

Phil, Cody and Priscilla are very helpful, professional, efficient, knowledgeable and responsive. They helped us with our mortgage renewal remotely and got us a rate that they promised. Excellent all the way through! Thank you for the positive experience.

H L

Google · May 2024

Phil, Cody and Priscilla was amazing. They helped me get a mortgage for my new home. They give amazing advice and find the best rates, especially when rates were at peak. They are extremely diligent with everything they did. They were quick to respond to any questions or concern that I had. I would highly recommend rate connect.

Jayan Koneswaran

Google · April 2024

Phil is great to work with. He has helped me consistently over the years.

ben chursinoff

Google · January 2024

Phil is a mortgage broker par excellence. In a challenging market with high interest rates, he's a breath of fresh air, providing exceptional service with a unique blend of professionalism and humanity. We were on the brink, but Phil turned things around, swiftly and effectively. His predictions and calculations, accurate to the last cent since day one, were a marvel. Phil is one of those rare individuals in the business who make promises and follows through impeccably. Working with Phil is an absolute pleasure. His personable nature creates a comforting trust, a testament to his respect for relationships over transactions. In short, if you're seeking a mortgage broker who delivers results with precision and warmth, look no further. Phil comes with our highest endorsement. A beacon in a tough market, truly one of the best there is.

Ramy Ghonaim

Google · June 2023

Worked remotely for a mortgage renewal with Phil. Very helpful. Would highly recommend for those that are renewing and know their home and don't need much hand holding.

Ahmed Ataullah

Google · August 2020