Following a second out of cycle rate rise within 9 months by my mortgage provider, I contacted them to enquire about a sharper rate. I must say, their response surprised me, in a derogative tone, the individual asked me why I felt that I was entitled to one and as I anticipated, declined my request. I am immensely greatful to Daniel Fernandez from Cornerstone Lending solutions for refinancing my mortgage. Not only was the process streamlined and stress free, my wife and I are saving in excess of $2,500.00 per year. If not for brokers, who would hold current institutions to account. If anyone is considering making a switch, I could not recommend Daniel highly enough.