Last updated: September 6, 2026
1. Who We Are
Nordaux is an educational platform for Canadian mortgage borrowers. It is owned and operated by Manbir Natt, a licensed Sub-Mortgage Broker (BCFSA #MB612411) with Legacy Mortgage Group. Nordaux publishes rate data, calculators, and guides. It is not itself a mortgage brokerage or a lender, and does not hold a brokerage licence in its own name.
2. Informational Purposes Only — Not Advice
Nothing on this website constitutes mortgage, financial, legal, tax, or investment advice, and nothing here creates a client relationship. All content is published for information and education. Your circumstances are specific to you; speak with a licensed mortgage professional before acting on anything you read here.
3. Eligibility
This site is intended for residents of Canada who are the age of majority in their province or territory. It is not directed at residents of any jurisdiction where its content would be unlawful.
4. Rate Information
Rate data published on this site is compiled from publicly available lender sources and may not be current or accurate. Rates are editorial reference data — they are not offers of credit. Actual rates available to any individual borrower depend on qualification, property type, lender discretion, and other factors. Always verify rates directly with the lender or through a licensed mortgage broker.
5. No Guarantee of Accuracy
We make reasonable efforts to keep content accurate and current, but give no warranty as to the accuracy, completeness, or timeliness of anything published here. Some articles on this site are produced with AI assistance and are labelled as such where that is the case.
6. Requesting an Introduction to a Broker
If you submit a request through this site, it goes to Manbir Natt, Sub-Mortgage Broker (BCFSA #MB612411) at Legacy Mortgage Group, who owns Nordaux. He is not an unrelated third party and this is not a comparison across competing brokers.
He is licensed in British Columbia. Where you are located outside British Columbia, or where your situation calls for it, your file may be handled by a partner agent at Legacy Mortgage Group or by another licensed professional in his network who holds a licence in your province or territory. You will be told who is handling your file.
Mortgage brokers are paid by the lender. If a mortgage funds, a commission is paid to the brokerage on that transaction. There is no fee to you for this introduction.
There is no obligation. Using this site, its calculators, or its guides does not commit you to anything, and requesting an introduction does not commit you to proceeding. Whether you choose to work with him, with another broker, or directly with a lender is entirely your decision. Submitting a request is not a mortgage application, is not a credit inquiry, and guarantees no approval, pre-approval, or particular rate.
7. Relationship Between You and Nordaux
Browsing this site does not create a brokerage, agency, advisory, or lender-borrower relationship between you and Nordaux. A brokerage relationship arises only if you separately engage a licensed mortgage professional, on that professional's own terms and disclosures, and subject to the licensing rules of your province or territory.
8. Intellectual Property
The content, design, calculators, and software on this site are owned by or licensed to Nordaux. You may read, print, and share this material for personal, non-commercial use. You may not reproduce, redistribute, scrape, or create derivative works from it without prior written permission.
9. Limitation of Liability
This site is provided "as is", without warranties of any kind, express or implied. To the fullest extent permitted by law, Nordaux is not liable for any loss or damage arising from your use of this site or from reliance on anything published here, including decisions made on the basis of rate data, calculator output, or editorial content. Nothing in these Terms limits any right you have under applicable Canadian consumer protection law that cannot lawfully be limited.
10. Privacy
Information you submit is handled as described in our Privacy Policy, which forms part of these Terms.
11. Third-Party Links and Content
This site links to third-party websites, including lenders, brokerages, and government sources. We do not control and are not responsible for third-party content, products, or services, and a link is not an endorsement. Lender names and trademarks are used for comparison and identification only; Nordaux is not affiliated with, endorsed by, or an agent of any lender named on this site.
12. Changes to These Terms
We may update these Terms from time to time. The "last updated" date above reflects the most recent revision, and continued use of the site after a change constitutes acceptance of the revised Terms.
13. Governing Law
These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable there. Canadian federal and provincial consumer protection law applies, and nothing in these Terms requires you to give up a protection or a forum available to you under that law.
14. Contact
Nordaux · [email protected]
Manbir Natt, Sub-Mortgage Broker (BCFSA #MB612411)
Legacy Mortgage Group · 203–15350 Croydon Dr, Surrey, BC V3Z 1H4, Canada