SingleKey Helps Landlords Find the Right Tenant & Manage Risks That Come With Renting. Screen Tenants, Run Background-Checks & Protect Your Property with Our Rent Guarantee. Result in only 5 minutes! Trusted by 90K+ Landlords.
MacKenzie Wilson increases the supply of affordable housing through grass root education of Alberta Landlords. He uses tech to instill best practices and reduce the risk for landlords & tenants across Canada.
He is Co-Founder and Managing Partner of the largest Facebook group for Alberta landlords, the Alberta Landlord Community.
In my interview with MacKenzie, we discuss what is SingleKey, Singley Key’s unique Tenant Report and Rent Guarantee, and how SingleKey helps make being a landlord risk-free.
Here is a summary of the unique services offered by SingleKey for landlords.
- Tenant Report
Choose safe tenants
Screen your tenants faster and smarter than any credit check. Our comprehensive Tenant Report gets you results in minutes, and includes credit, social, background, and reference checks.
BONUS: Sign up using this exclusive link for 10% off all your Tenant Reports!
- Rent Collection
Get paid on time
Skip the paperwork. Set up automated monthly deposits with your tenant, and incentivize on-time payments from tenants.
- Rent Guarantee
Guarantee your income
In case of tenant defaults, Rent Guarantee backs you with a financial safety net, legal support, and damage protection.
BONUS: Get an exclusive $50 discount. Email me at sean@burnyourmortgage.ca.
Subscribe now and never miss an episode. Reviews and ratings are appreciated, too.
Full Transcript
Sean Cooper
Welcome to the Burn Your Mortgage Podcast. I’m Sean Cooper and it’s great to be back for another episode. On today’s show I’ll be talking to MacKenzie Wilson of SingleKey.
SingleKey Helps Landlords Find the Right Tenant & Manage Risks That Come With Renting. Screen Tenants, Run Background-Checks & Protect Your Property with Our Rent Guarantee. Result in only 5 minutes! Trusted by 90K+ Landlords.
MacKenzie Wilson increases the supply of affordable housing through grass root education of Alberta Landlords. He uses tech to instill best practices and reduce the risk for landlords & tenants across Canada.
He is Co-Founder and Managing Partner of the largest Facebook group for Alberta landlords, the Alberta Landlord Community.
In my interview with MacKenzie, we discuss what is SingleKey, Singley Key’s unique Tenant Report and Rent Guarantee, and how SingleKey helps make being a landlord risk-free.
Please refer to our show notes, as we have an exclusive offer for all our loyal listeners.
Without further ado, here’s my interview with MacKenzie Wilson.
Sean Cooper
Hi, Mack. How are you doing today?
Mackenzie Wilson
Sean, I'm doing great. Thank you for having me on your podcast.
Sean Cooper
Great to have you, you were generous enough to invite me on your podcast on the SingleKey Podcast. That I'm so excited to return the favor. And yes, SingleKey is a great tool that I've learned quite a bit about over the last few months here. And I'm super excited to share it with my audience here and discuss all the benefits for people that are maybe on the fence about becoming landlords, they like the potential investment part about how much they can make from rental property. But maybe they don't like the extra work that comes along with it. So definitely SingleKey can help a lot in that area there. So definitely excited to share that with the audience today.
Mackenzie Wilson
Cool!
Sean Cooper
Great. Well, let's get started. So some of the listeners may have heard of SingleKey, but for the listeners who have not heard of SingleKey, can you tell me a bit about SingleKey? What is SingleKey exactly? Maybe, I don't know if you know the story of why it's called SingleKey there. But yes, if you could just tell the listeners assuming that they've just never heard of SingleKey, I'm sure some of them have. But yeah, just tell them about SingleKey and what you do to make the life of landlords easier. Because yeah, like I said, some people maybe want to become landlords, but they have some concerns. How can SingleKey help with those potential concerns? Yeah, for sure.
Mackenzie Wilson
So that's actually a really great question, Sean, about the origin of the name SingleKey, I don't know that. And now I'm gonna go into house filler because I want to know that. So I'll dig into that. But just quickly, for folks that aren't aware of what SingleKey and what it does, we've got three services that it breaks into. All services can be used independently. Our bread and butter or go to service is our digital application and credit report. And actually, there's actually even a fourth service, sorry, there's pre pre-screened form that it's a very basic application or very quick questionnaire that is really good to help qualify tenants. Before you book a viewing, it saves everyone a bit of time, because obviously, if someone doesn't qualify for their own property, you don't want to go through and do the viewing and we use each other's time.
Mackenzie Wilson
So there's that component. But once they go, and you have to come here properly, they've done the viewing, they're happy, you've got a good impression with them. You've liked what you've seen so far. And they're asking for an application, you go into your SingleKey platform, you create an application link, you just send it over to them. And then all the applications online, it's very comprehensive, you have the ability to make some fields optional or mandatory depending on how busy the market is and how much demand you have.
Mackenzie Wilson
So right now, if mostly listeners, if they're out in Ontario, you guys have for a very long time been in very low supply, high demand markets, you've got lots of applications, I would then definitely advise to have all your fields made as a requirement. So you can turn that on for collecting a photo of a government issued ID, pay stubs, perhaps a letter of employment, different other documentation that you'll want to have to make an informed decision and whether or not when you're going to select that tenant, you're screening process. So all that information is collected in the application.
Mackenzie Wilson
Once the tenant hits submit, you get the application back within seconds, we see up to five minutes but it's usually less than a minute. And it's extremely comprehensive, it basically gives you all the same information that you would have if you're a bank or car dealership making a loan on their assets. So it makes a ton of sense. But I'm concerned that most properties these days are easily and well into the six figures, you need to have that information to be making the same kind of decision.
Mackenzie Wilson
Our next service is a rent collection. And basically the same way that you pay rent through a savings account through pre authorized debit, for example, just how you probably pay utility bills with your utility company. And that's free for up to three transactions per month. And then the last thing that we have, you know, it's a pretty cool product, it's really new, in North America, and in Canada, especially over the last three to four years, is called our Rent Guarantee. Best way to think of it, it's kind of like insurance. But essentially, we protect against damages. unpaid rent, will cover up the $60,000 of unpaid rent, or the first 12 months, we'll cover up to $10,000 of damages.
Mackenzie Wilson
And let's say Worst comes to shove, and you have to go through the eviction process, we'll also cover those legal fees and help you out during the eviction process. Because at that time, we're now paying on our books, and we're as motivated as you are to reduce and minimize any losses. So it's really a good product, it does quite well for someone who's new who doesn't know what they don't know. And they want to sleep at night with peace of mind. And also in the provinces where perhaps the eviction process is very long and cumbersome, which in Ontario are where most of your listeners are probably at is definitely an extra comfort to have with the LTB in the backups that they have right now.
Sean Cooper
Great, thanks so much for providing an overview of all the great services that SingleKey provides. And definitely we can dive a bit more into them there. But yes, on the website, there, it talks about the fact that SingleKey helps provide risk free renting because I think everyone's worst nightmare is buying a investment property and then having tenants that don't pay the rent, and then you're responsible for paying the mortgage and you're not getting any rent and you're caught in a situation there.
Sean Cooper
Now, I know that a lot of people are worried about that. But I just wanted to say if you do your due diligence and and make sure if you do the tenant report and make sure that the tenant is high quality, and they have a good credit score and criminal background check and all that and they have a good job, you can really minimize your chances and and that's really the like you may hear these tenant horror stories, but those occurrences are, are very rare and far between. And if you do this proper due diligence, you can really prevent that there but maybe couldn't speak to the point of how SingleKey actually helps provide people with risk free renting, because many people say "oh, I'd like to own a rental property one day", but they don't actually, it's always an idea in their head that they don't actually move forward with it.
Sean Cooper
So maybe you can talk about how SingleKey actually does provide risk free renting and how it can help put people's minds at ease who may be sitting on the fence and always wanted to own investment property but haven't actually pulled the trigger and moved forward with it.
Mackenzie Wilson
No, it's a great point, Sean, I'm sure you probably went through these kinds of same emotions I definitely did. When I first became a rental house provider and a landlord, I was completely nervous to have someone not pay rent and have two mortgages under my name, my entire credit score and finances are at risk. And then even beyond that , if I picked the wrong person, then they destroyed the property, I would have been devastated not only by the cost to deal with it, but just the emotional stress. And it is a lot of those horror stories they like you said they are very, not very common. But they're common enough where they do happen. And it's usually luck until stories. It's all the work done up front on a tendency, if I was to measure it out, it'd be 9 out of 10, 90% of the effort is all upfront on that due diligence date, it's just so critically important to pick the right tenant that's a good fit for you.
Mackenzie Wilson
And that's where I think SingleKey shines really well is we've got an extremely comprehensive report, typical reports between 15 and 20 pages on the applicant that's got an average credit score history. So there's just a ton of information, you see all the historical payments on the credit products, so lines of credit, cell phone bills, credit cards, whatever it might be, you can see historically how well they've paid that. And it really comes down to two major facets of the final great tenant. One is finding that making sure that they're financially sound, that's actually the easier side of it. That's more of an absolute numbers game. And once you get kind of familiar looking at the scores and the different things you see, you know that you've all determined that quite quickly.
Mackenzie Wilson
Probably what takes a little bit more effort and a little bit more of a skill just to kind of figure out over time is finding that tenant that's the right fit. From a relationship perspective, it's a long term business relationship that you're getting into. And you got to find someone that you get along with and that you don't mind answering the phone and helping them out. If your skin curls and the hair raises in the back of your neck, if that phone call comes from that tenant, you probably haven't picked the best tenant to deal with. And then your likelihood of staying in the business long enough to enjoy those rewards of real estate. And the appreciation that comes with it won't be attainable, you'll burn up before you even get there. And you don't want to be in that position.
Sean Cooper
Very well said I agree completely. And maybe you could just talk about how SingleKey fits into the rental property steps like for somebody, there's, you could take a more hands on approach, like doing everything yourself. And I would say if you're like, maybe you agree with this or not. But I would say if you're a first time landlord, rather than displaying the property manager route, immediately, I find it's a good learning experience to do it yourself. And only when you're ready to kind of scale your portfolio and own like 2, 3, 4, 5. That's when you might look into a property manager there.
Sean Cooper
But I'm just curious. So how does SingleKey fit into things like owning and managing a rental property? Would you say that SingleKey helps do some of the things that a property manager would do and understand that you even provide your services to property managers? So maybe you could use a SingleKey kind of a good step between? Do it yourself and the property manager? Does it kind of fit somewhere in the middle between those two options there?
Mackenzie Wilson
Right, yeah. So Sean, great question. We're basically a toolbox for landlords, we offer a bunch of the services that you need to find that great tenant to fill that vacancy, we don't do property management itself, we're just a complimentary service. We're the fastest growing tenant screening service across Canada, we've been doing that all the way over a year now, we acquired our biggest competitor last year, which was Neighborly. And we're just essentially saying that without a doubt, we're the best, you know, I mean, and I mean, do your research as well. I've used other services in the past. But the fact is that what I really like is with the digital application, you have the choice to send it to the tenant and have them fill in their own information, which is what we recommend. And I think it's best practice because the likelihood of a tenant making a mistake filling out a form with their own information is far less than you filling in their information.
Mackenzie Wilson
They know that information, well. They know their own name, birthdate, all that kind of stuff. So the likelihood of them making a typo is very low. So you get just a higher chance of a return or report that's got an accurate hit, which isn't I mean, where we pull the information from Equifax. So that's on the front part. And again, we're really wanting to kind of bring home during the life of a tenancy from start to finish, that vast majority of work done up front. And it's just so critical to get the right person in. If you got the right person in their timely intercommunication, they paid rent on time, they'll let you know if there's an issue with the property, you're able to fix repairs proactively, and minimize any costly repairs from letting a maintenance issue fester and get worse. And then there's also generally easy to deal with. And that's really where a lot of SingleKey is, we really help you figure out the financial piece and make sure that they can afford the property and the rent that they're applying for.
Mackenzie Wilson
And then we've got some other tips along the way. I mean, this is my big focus. So how I even met up with SingleKey Sean was I run the largest Facebook group in Alberta for landlords, the Alberta Lalla. Community. And silky it was one of the first discounts or partnerships we brought into our group. And it's also daunting, I think the point I think we should address too is you're doing this balancing act, you're an entrepreneur, you've got on one hand, a large capital investment that is at risk that you're trying to protect. So you know, your down payment on a property, I'd say it was at 100k, five years ago, it's gone up now for sure. So it's a ton of money. And on the other side, you've got a customer that you're trying to please. And they have a high expectation as they should, that they want to call your rental their home. And you have to balance these two things. And that's where this challenge comes into being a landlord. But if you pick the right person that you can work with, it makes the entire process a lot easier. And that's where SingleKey really fits that mold upfront.
Sean Cooper
Very well said and I'd like to talk a bit more about the services there. So where do they fit into the process of getting a tenant? So with a tenant report, like nowadays, when you're renting a property out, you might have your own application form. Maybe the province that you're in has some sort of standard application form. I mean, the provinces all really have a standard lease form that you're supposed to use, but I'm just curious. So if you're going to be using the SingleKey tenant report, would you still have somebody fill in an application form for the property? Or if there's like a standard provincial one? Or would you just send them like, yeah, maybe could walk through the steps like you'd post the listing and somebody would reach out? And then you'd have them over to your property?
Sean Cooper
And let's say, things go well, then what would be the next steps? Would you have them fill in any sort of form? Or would you just skip that entirely? And, and send the link to SingleKey? Have them fill that in there? And I'm just curious in terms of costs, like, is there an option for the tenant to pay the cost of the credit check and the report? Is there an option for the landlord to do that, as well, because I'm guessing in some markets, where there's like, low supply of rental properties, the tenants would probably be okay with paying those fees there instead of the landlord, paying them, which can be a bit like can add up if you're doing it for like five or 10 people there. So yeah, maybe you could just walk through the steps of that.
Mackenzie Wilson
Yeah, for sure, Sean. So we'll talk from two different angles, we'll talk from someone who's a new landlord doing this for the first time. And then we can also talk about tying into an existing process with a landlord that already has a bit of their own onboarding or application process in place. Okay, so if you're brand new, for the first time ever landlording, our application is compliant across all provinces, here in Canada. So I always suggest starting there and using it, probably what you find over time. We probably have a few nuances or questions that aren't really covered by our application that you'll want to have. And I suggest after the fact of having the application come through, if you have a separate communication and email going out and asking those questions. And that's what I do.
Mackenzie Wilson
And I also actually suggest it sounds counterintuitive, but you want to have multiple touchpoints with the prospective tenant as you go through the screening process, because you want to see how good they communicate and how timely their responses are. And if you only send one email and ask everything at once, you don't really get to judge their ability to respond over a course of time or a period of time. And then when you go through the SingleKey portal, you have a choice to either send off the link, have them fill the information, as we already mentioned, or if you already have an existing application that you want to use. So we're going to flip over to the landlords that have their own application or process in place, you can go and fill in their information manually, and start the report that way as well.
Mackenzie Wilson
And then also for pricing, do you have the choice to pay for the recording fee yourself or outsource that cost to the tenants. And then I would say that it really depends on where your market is. Again, again, talking to their listeners being out of Ontario, you guys have a strong market right now, you probably have the ability to push that cost out towards the tenants. And actually that makes it a really good pre screening step is do they have the ability to pay for a $25 report. So is a pay per use as well. So it's 2499. Though I know your listeners, we've got an exclusive discount set for an additional 10% off so $2.50. So that's pretty sweet. That $2.50 off is the discount on repurchased by the landlord, if you push that cost on towards the tenant, they do pay the full price of 25 bucks.
Mackenzie Wilson
But what I usually suggest to you because like you said whenever you have to do 5 or 10 tenants is your screening process shouldn't get you towards a shortlist where you've got your top candidates that you actually want to pre screen or run through the report. So I wouldn't say you want to run this on everybody, because that will add up quite quickly. But it makes a lot of sense to probably get to your top two or four candidates and run the report on them. Another best practice too is all the adults or the legal age in your province should be on that lease. Because if someone does, you want to plan for the worst and hope for the best. And if something does go wrong, and you have to go after them for damages or unpaid rent. Well, you've got now more bank accounts to chase and a higher probability of collecting on those outstanding arrears.
Mackenzie Wilson
So because that's how you want to structure your leases, then you should also be credit check in and run the report on every person that's an adult on the application. So if you've got a couple applying, you're going to run two reports. So it will cost you two to report these.
Sean Cooper
Perfect, thanks for walking through new landlords and even people that are more experienced, I think, most helpful there. And guess we've got about five minutes here left. So I'm just curious. Did you want to maybe talk a bit more about the Rent Collection and Rent Guarantee? Is there anything else that you wanted to add to that there? Because yeah, what would you say? So on the Rent Collection front, I mean, most people would think I could just request 12 post dated checks from the tenants. Maybe you can tell me what the benefits of your Rent Guarantee and why it's better than just doing the standard 12 post dated checks there.
Mackenzie Wilson
Yeah. So let's look at the three generally main options. I'm just going to leave cash out of the picture because I don't recommend collecting cash for a plethora of reasons. There's no documentation trail you can get into he said she said type game which you don't want to be in. And then typically transactions involve cash, which means cash has come from probably some sort of illegal activity. So you want to stick to a good clear documentation trail. So that comes down to one of three options. Post dated checks as you mentioned, Sean, your second option will be e-transfers, and then the rent collection that we offer.
Mackenzie Wilson
So the pros across the board for each of these options, the checks, you can get them in advance, you can take pictures of phone deposit, the e-transfers, they're instantaneous, they transfer within I think is like 45 minutes, or some banks may have up to a couple hours. So it's basically near real time getting paid out. That would probably be the one con against our rent collection is a little bit slower compared to an e-transfer. But the positive side or the pro of the rent collection, it's automated. You don't have to rely on a tenant every month to remember to go into the bank login and send you an e-transfer for the fund, it is done automatically, withdraws it, which is great for recurring payments, just like rent.
Mackenzie Wilson
So that's where it really shines well, you can kind of just remove one less thing off the plate, ensure that you get paid on time and have that permission step ahead of time. So you can just auto withdraw every month. So then that would be kind of the con on the e-transfer side, they have to remember. Now lastly, with the post dated checks, if they don't have the right amount of funds in the check balances, you'll get dinged with a withdrawal fee, you can pass that on to the tenant, but then that's another thing you have to collect later down the road.
Mackenzie Wilson
So just add a little bit more logistics to deal with getting paid and keeping your cash flow current. But then the delay time as well. Because it does take a few days for these checks to get processed business days that is and then if it does balance, you're even probably three or four a fifth business day into finding that out and then all of a sudden, now you're ever could possibly be a week or two behind factor and rent and not just you don't want to be in that position as well. So really, I suggest that if you want to kind of streamline it, automation of the rent collection is great. If you want that rent collected a little bit sooner than the e-transfer works just as well.
Sean Cooper
Yes, very well said. And yes, something else came to mind. I have a friend who is a landlord himself. And he's a big fan of SingleKey and guess maybe you can just talk about how the tenant report is more thorough than like a normal application form that you would do. Like I heard that there's some sort of criminal background check. I mean, hopefully, nobody that applies to your property has a criminal record. But yeah, maybe you can talk about how much more thorough it is because yeah, I'm not sure how you would do a criminal background check yourself, it's not so easy, but apparently SingleKey helps facilitate that easily.
Mackenzie Wilson
Yeah, for sure. So we have two additional sections, one social media check. And again, I want to speak from the position of our job is the RMU with as much information as possible, with the most amount of information possible to make the most informed decision. So we present you with the information. And so with that social media check, we will scan and we've got some automation in the background that will go and scan the websites and look for related accounts, is not bulletproof. So there can be times if someone's got a very common name like John Smith, there is a possibility of a false account being shown. So really, the onus and the due diligence when using this information is on you, the individuals, and a landlord to go through and actually analyze the information presented to you.
Mackenzie Wilson
The next thing is, if there's any online available, base, public records, news reporting tons of criminal activity, we scan those as well. Now, just the caveat to that is we do have a huge number of databases, not only in Canada, but in the US as well. And I think there's even some international databases included. If the jurisdiction does not post our records online, we don't have access to it. So the way I use the criminal record check is if you get a hit, great, go and do your due diligence, investigate it, ask questions, make sure it's legit, that's the right individual and then make your own judgment or decision on the information that you found.
Mackenzie Wilson
If you don't get a hit, that doesn't mean there's not something out there. So I don't want to be super clear on that. I'll just give you an example. So I'm out in Alberta, we have our tribunal, the equivalent to the landlord tenant board and Ontario is called RTDRS, residential tenancy dispute resolution service. And they don't post their orders or the results of the hearings online. So we don't have access to that. So that would be an example where there'd be good information out there might be a record from perhaps an eviction, unpaid rent or whatever it may be. That won't get shown up in that record check but also done if you want the more information the better. That's why I think it's a huge value add.
Mackenzie Wilson
So about the pricing as Imagine the credit report is pay per use, your members get a 10% discount if they've purchased the credit report, or rent collections free for up to three transactions per month or payments. If they want to go beyond that, they're more than willing to reach out and negotiate a bulk discount. And then Rent Guarantee is 5% of the monthly rent. So there you go.
Sean Cooper
Yeah, that sounds great. And I understand that you have some resources for tenants as well. Maybe you can just talk about that quickly as well. Any other things that you have to help tenants?
Mackenzie Wilson
Yeah, for sure. So, right now, the way our credit report works is that the landlord has to initiate the report through request, then that gets sent out to the tenant to fill out. We're very close to launching. And I say a little bit later this summer. You know, at the time of this recording, it's July 2023. But hopefully, by the time this podcast comes out, we've had it launched. Now is the ability for the tenant to pay, if they want to have their credit report, and then they have the ability to share as many times as they want. And now what that will do for them is it will just remove less credit check inquiries off of their score.
Mackenzie Wilson
This actually opens up a really interesting question that's been debated quite a bit, this gets into that soft check, first heart check kind of debate or conversation. And it's not really that black and white, there's a little bit more to it, because with every credit inquiry, there's also $1 amount that they're inquiring that the applicant wants to borrow from, whatever the provider is the bank account, or maybe it's a car dealership, or whatever, we don't have $1 amount associated with credit checks from SingleKey.
Mackenzie Wilson
So yes, they do show up on your credit score. But they don't have a lot of weight or value, because we don't have a $1 amount assigned to the credit check. We're just saying, Hey, we're checking your credit. But nonetheless, with the new tenant driven report, you can minimize the number of inquiries. So keep that number lower, and keep your records a little bit cleaner. So I think that's a great thing. And I think also, from a tenant's perspective, this is a great way to shortcut the line and get in front or get shortlisted to get selected for the next available rental that you've applied for.
Mackenzie Wilson
I would as a landlord, if someone came to me, and they already had pulled their credit score, and they've shared it with me. And in the way, I should also highlight that the credit score gets shared directly from SingleKey by giving a link to the prospective landlord and they go log on, create an account with SingleKey and then pull the report directly from us. So when they have it they know that they're getting an accurate, truthful, unaltered or fabricated report because it's coming directly from us seeing SingleKey, the source, a trusted source. Whereas if you get screenshots nowadays, I see 10s And hundreds except for use screenshots of say Credit Karma, Borrowell, whatever credit score app that they're using, it's quite easy for someone to spend even a few minutes to really change your credit score quite quickly. So I don't recommend doing that. It's not a good practice to do it because you set yourself up for the possibility of getting fraudulent paperwork.
Sean Cooper
Great. Well, is there anything else that you wanted to add?
Mackenzie Wilson
Yeah, Sean, again, thank you so much for letting me come on your show. I always love having these conversations. It's an industry that I'm truly passionate about. And I joined it with the initial prerogative to provide a nest egg and some financial wealth or generational wealth for children. But now seeing it and providing homes to people that really deserve it and need it is super rewarding. And I think our whole goal here at SingleKey is to bridge that trust gap and take that risk of renting for both parties, and allow everyone to get to their next rental household or renters sooner and faster is where we're going. So we actually have a huge and I guess lastly, I'll wrap up with we have a huge resource over if you go to SingleKey.com, clicking a resource on our blog tab, a ton of great information for you there as well to check out and we've articles all across the board from due diligence, tenant screening, marketing, and all the other risks categories that comes along with owning a property.
Sean Cooper
Very well said and I'm definitely using SingleKey next time that I rent out a property and we have a special discount for everyone. So be sure to check out the show notes for full details. So I just want to thank you once again for being on the podcast Mackenzie and sharing the great tool that is SingleKey for landlords to help make the process as stress free and easy as possible.
Mackenzie Wilson
My pleasure. Thank you, Sean.
Sean Cooper
Thanks for listening to another episode of the burn your mortgage podcast. Besides being a podcast host, I'm also an independent mortgage broker. If you or anyone you know, family, friends, co-workers or neighbors could ever use any unbiased mortgage advice or a second opinion, feel free to reach out email me at Sean. That's sean@burnyourmortgage.ca or call or text me at 647-867-3711 for a free mortgage consultation. Also be sure to head on over to www.burn your mortgage.ca and sign up for my free weekly newsletter. As a small token of my appreciation, you'll be able to download my ultimate mortgage checklist on choosing the perfect mortgage. I look forward to hearing from you and helping you with all your mortgage needs. Once again, thanks for listening.