Cristian Mardari
"It's all about the service"
Why You Should Work With Me
Strong Academic Foundation
I hold a Bachelor's degree in Finance from the John Molson School of Business and graduated with Distinction, ranking in the top 15% of my faculty. My academic background gives me a solid analytical edge and a deep understanding of financial strategy.
Proven Industry Experience
I bring over 12 years of hands-on experience in the mortgage and financial services industry. I spent 5 years working at some of Canada's largest banks, including the Bank of Canada, in key roles such as Mortgage Specialist, Commercial Account Manager, and Financial Analyst. Today, as an independent Mortgage Broker for over 7 years, I operate my own business and leverage this experience to help clients find clear, effective solutions to their mortgage challenges. I handle all types of mortgage transactions, including residential, commercial, alternative lending, private lending, and reverse mortgages. No matter how complex the situation, I know how to navigate it.
Values That Drive Results
I began practicing martial arts at the age of six, a journey that shaped both my personal and professional life. I am a Black Belt in Karate, a former Junior World Champion, a former provincial amateur MMA champion, and a former member of the Concordia Wrestling Team. Martial arts instilled in me a strong code of conduct—one I bring into every client relationship. Integrity, respect, discipline, transparency, and a genuine commitment to helping people improve their financial situation are at the core of how I do business.
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Top Big Bank Rates — Today
When an application is structured correctly, lenders compete — and pricing improves.
Rates vary by credit, down payment, property, and structure. Not a commitment or offer.
| Lender | 3-year fixed | 5-year fixed | 5-year variable |
|---|---|---|---|
Cristian's RateLIVE Through broker access | 3.79%as low as | 3.99%as low as | 3.50%as low as |
| CIBC | 6.64% | 6.49% | 4.45% |
| Desjardins | 5.99% | 6.09% | 4.45% |
| National Bank | 6.05% | 6.09% | 4.45% |
| RBC | 6.05% | 6.09% | 4.45% |
| Scotiabank | 6.05% | 6.09% | 4.90% |
Last refreshed: Jan 21, 2026
My role is to help you see the full picture — and negotiate the right outcome before you commit.
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