We would recommend Derek to anyone that asks! He helped us to secure our initial mortgage when purchasing our property and has since helped us with our renewal. Derek gave us reminders well in advance of our renewal and urged us to renew when he could see the rates would worsen. He is extremely efficient, responds immediately to phone and email, and is always happy to explain any aspect not understood. Derek has saved us a considerable amount for our renewal by making us aware of the increases and we 100% trust him to do the best by us!