Who We Are
A different breed of mortgage broker
Better Mortgage Select is a Canadian mortgage company led by nationally recognized Mortgage Brokers, Dave Butler (#1 Ranked Mortgage Broker from 2017–2021) and Daniel Patton (#1 Ranked Mortgage Broker in 2022). Alongside a young group of rising stars, just our leadership team alone brings more than 90 years of combined mortgage experience—and has helped tens of thousands of Canadians achieve their homeownership and real estate goals since 2003.
We’re a results-driven team that combines award-winning service with trusted expertise. At BM Select, you’ll get a dedicated Mortgage Agent or Broker supported by best-in-class Underwriters and Fulfillment Specialists—always just a phone call or email away.
“…Not just another discount mortgage rate site”
Over the past decade, the mortgage industry has changed dramatically. Many companies now operate like faceless call centres. Tech platforms have removed the human element. And aggressive sales tactics seem to be the norm.
We’re proud to be the exception.
The mortgage experience, upgraded.
At BM Select, we’ve combined an old-school, service-first philosophy with just the right amount of modern technology to deliver what we call an upgraded mortgage experience.
Yes, of course—we’ll get you a great rate and favorable terms. That’s the baseline.
But what sets us apart is how we tailor your mortgage to your goals, support you at every step, and deliver a level of insight and care that most Brokers or bankers simply can’t match.
Whether you’re buying your first home, refinancing, investing in real estate, or planning for retirement—we know how to do the tough deals right.
Is BM Select right for you?
Let’s see if this sounds familiar:
You're a real estate investor
Whether you’re buying your first rental or scaling a portfolio of 10+ properties, your success depends on working with a mortgage team that knows this space inside and out.
- Every bank calculates rental income differently.
- Some cap how many doors you can own.
- Others require tenant leases, while some accept market rent estimates.
- Lenders vary on how they view holding companies, joint ventures, and BRRRR projects.
Our team has helped build some of the largest investor portfolios in Canada. We don’t just get you a mortgage—we strategically place each file to maximize your future borrowing power and unlock long-term scalability.
You're a first time homebuyer
You’ve got questions—and you absolutely should. Buying your first home is one of the biggest financial decisions you’ll ever make, and it deserves more than a rushed or one-size-fits-all approach. You need a mortgage team that takes the time to explain every step, clarify your options, and help you fully understand the programs, incentives, and benefits available to first-time buyers.
Too often, discount sites treat mortgages like a transaction, leaving you navigating complex decisions through automated emails or offshore call centres. With us, you work with a real human who understands your goals, anticipates challenges, and advocates for you from application to closing—and beyond. Our focus isn’t just getting you approved; it’s setting you up with a mortgage that supports your long-term financial confidence.
You're selling and buying at the same time
It happens more often than you’d think: someone sells one property and buys another, only to discover—too late—that their mortgage company miscalculated the net sale proceeds. Closing costs, penalties, property tax adjustments, realtor commissions, bridge financing, and payout statements can all shift the final number, and a small miss can quickly turn into a major problem. Suddenly they’re short on funds, scrambling for last-minute solutions, and their closing is at risk.
Nine times out of ten, the pattern is the same: they relied on a discount rate site that treated the file like a quick approval instead of a detailed financial plan. At BM Select, we triple-check every figure and verify every assumption upfront, because a successful closing isn’t just a transaction—it’s your timeline, your deposit, and your future.
You're renewing or refinancing
You’re simply trying to improve your situation—lock in a better rate, lower your monthly payments, or consolidate high-interest debt. Instead, your mortgage company pushes a solution that resets your amortization or triggers a large penalty, not because it’s best for you, but because it’s the easiest path to an approval. What should be a smart financial move ends up costing you more over time.
We believe in advice-first lending. That means laying out every viable option, clearly explaining the trade-offs, and showing you how each choice impacts your cash flow, equity, and long-term goals. We don’t lead with shortcuts or quick fixes—we lead with clarity, strategy, and recommendations that genuinely move you forward.
You're planning for retirement
Reverse mortgages, equity takeouts, or transitioning to a mortgage-free lifestyle—this stage of life requires careful planning and informed decision-making. The right strategy isn’t just about today’s cash flow; it’s about protecting your independence, preserving your wealth, and ensuring flexibility for the years ahead.
These conversations don’t fit into the rigid systems of discount-rate sites, and most big banks simply don’t offer reverse mortgage solutions at all. We’ve helped hundreds of clients navigate retirement with mortgage strategies designed to reduce financial stress, unlock home equity responsibly, and provide long-term peace of mind—so you can focus on living, not worrying.
You're a real estate investor
Whether you’re buying your first rental or scaling a portfolio of 10+ properties, your success depends on working with a mortgage team that knows this space inside and out.
- Every bank calculates rental income differently.
- Some cap how many doors you can own.
- Others require tenant leases, while some accept market rent estimates.
- Lenders vary on how they view holding companies, joint ventures, and BRRRR projects.
Our team has helped build some of the largest investor portfolios in Canada. We don’t just get you a mortgage—we strategically place each file to maximize your future borrowing power and unlock long-term scalability.
You're a first time homebuyer
You’ve got questions—and you absolutely should. Buying your first home is one of the biggest financial decisions you’ll ever make, and it deserves more than a rushed or one-size-fits-all approach. You need a mortgage team that takes the time to explain every step, clarify your options, and help you fully understand the programs, incentives, and benefits available to first-time buyers.
Too often, discount sites treat mortgages like a transaction, leaving you navigating complex decisions through automated emails or offshore call centres. With us, you work with a real human who understands your goals, anticipates challenges, and advocates for you from application to closing—and beyond. Our focus isn’t just getting you approved; it’s setting you up with a mortgage that supports your long-term financial confidence.
You're selling and buying at the same time
It happens more often than you’d think: someone sells one property and buys another, only to discover—too late—that their mortgage company miscalculated the net sale proceeds. Closing costs, penalties, property tax adjustments, realtor commissions, bridge financing, and payout statements can all shift the final number, and a small miss can quickly turn into a major problem. Suddenly they’re short on funds, scrambling for last-minute solutions, and their closing is at risk.
Nine times out of ten, the pattern is the same: they relied on a discount rate site that treated the file like a quick approval instead of a detailed financial plan. At BM Select, we triple-check every figure and verify every assumption upfront, because a successful closing isn’t just a transaction—it’s your timeline, your deposit, and your future.
You're renewing or refinancing
You’re simply trying to improve your situation—lock in a better rate, lower your monthly payments, or consolidate high-interest debt. Instead, your mortgage company pushes a solution that resets your amortization or triggers a large penalty, not because it’s best for you, but because it’s the easiest path to an approval. What should be a smart financial move ends up costing you more over time.
We believe in advice-first lending. That means laying out every viable option, clearly explaining the trade-offs, and showing you how each choice impacts your cash flow, equity, and long-term goals. We don’t lead with shortcuts or quick fixes—we lead with clarity, strategy, and recommendations that genuinely move you forward.
You're planning for retirement
Reverse mortgages, equity takeouts, or transitioning to a mortgage-free lifestyle—this stage of life requires careful planning and informed decision-making. The right strategy isn’t just about today’s cash flow; it’s about protecting your independence, preserving your wealth, and ensuring flexibility for the years ahead.
These conversations don’t fit into the rigid systems of discount-rate sites, and most big banks simply don’t offer reverse mortgage solutions at all. We’ve helped hundreds of clients navigate retirement with mortgage strategies designed to reduce financial stress, unlock home equity responsibly, and provide long-term peace of mind—so you can focus on living, not worrying.
If this sounds like you, it’s time for an upgrade
At BM Select, we don’t just do mortgages. We elevate them.
Let our team show you what it means to have a VIP, red-carpet mortgage experience—one that’s built on strategy, service, and results.
Connect with us today and see why thousands of Canadians choose Better Mortgage Select.