Buying Your Home
From first time home buyers, to seasoned investors, to pensioned retirees, we can facilitate a comfortable and informative home buying experience. We pride ourselves in finding the best mortgage product, along with the best rates, to meet and exceed our client’s needs and expectations.
Utilize All of Your Income
Are you self-employed, commissioned sales, on parental leave, or collecting child tax credits? These income streams can still help you qualify for a mortgage. If you have rental income, we can use this as well. Even with strict federal guidelines we will find a way to qualify you!
Access Your Money
When it comes time to renew, refinance, or implement a secured line of credit, we’re here to help. We know how important it is to save for the future, and building equity is a great way to save. Let us help you access your equity, and put your money to work.
Finance Your Build
Have you found a house that’s almost right, or is your current house feeling seasoned? Let us help you finance your home projects. With our Purchase/Refinance Plus Improvement program we can capitalize your renovations into your mortgage. And if you haven’t found a house that’s just right, ask about our construction mortgages. It might be time to build the house of your dreams.
Consolidate Your Debt
Life happens, and it's expensive, but we can help. If you have damaged credit, outstanding debt, or previous bankruptcy, let us find you a solution. With expert advice, we can help consolidate your finances, find affordable alternatives, and help you plan for the future.
Work With Your Lender
Our office is happy to take care of any concerns you have with your mortgage. If your lender allows, we can change your payment frequency, let you make lump sum payments, get your mortgage balance and penalty, or address any other questions you have. We’re here to make your home-buying and home-owning experience hassle free.
Why Use A Broker?
Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs. Mortgage Brokers primary expertise is locating funding for mortgage financing. They know where the best rates can be found. What's more, they have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.
So why deal with a Mortgage Broker?
Mortgage Brokers represent you, the customer, not the lender. Because they are not employees of a lending institution, Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds. There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today's very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs. Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.
Reasons to use a Mortgage Broker
• Access to different lenders, banks, trust companies, investors and financial institutions.
• Fast credit and loan pre-approvals with no cost or obligation. (Some conditions may apply)
• They are experts at matching you with the best-suited mortgage.
• Get mortgage rates at wholesale, guaranteed up to 120 days.
• They work for YOU, not the bank.
• Up-to-date on all the mortgage rates, terms and re-payment options available on the market.
• They only specialize in mortgages and are knowledgeable on current trends.
• They increase competition in the market place, thus keeping rates low.
• They save you time and money!
• Brokers have vested interest in satisfying your needs since they rely on referrals and repeat business.
How do Mortgage Brokers Find Superior Rates?
Interest rates are usually the biggest concern for borrowers. Because of their daily contact and professional relationship with lenders, brokers know which project or home attracts a favorable interest rate from one institution, but a higher rate at another. Some institutions, in fact, will only accept mortgage submissions from mortgage brokers. These rates, and preferences for types of mortgages, can change daily, depending on economic circumstances or based on the size of an institution's portfolio in a particular type of mortgage. Your Mortgage Broker keeps current and knows which lender to approach first. As a result, mortgage rates obtained by Brokers are among the best available at the time of placement.
Why should I go to a Mortgage Broker first?
A professional presentation to a lender on the first application will get the best response and save you valuable time and money. Secondary applications with previous credit bureau inquiries may be more costly. Often the success of obtaining mortgage approval depends on the way a proposal is presented and to whom it is sent. Your Mortgage Broker is trained to present your mortgage proposal where and how it will get the most immediate, positive result. You don't call an insurance company for insurance - you use an insurance broker, because of their expertise, product knowledge and rates. So remember, call your mortgage broker first!