There are generally two ways to get a mortgage in Canada:
From a bank or from a licensed mortgage professional.
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Contact me to discuss your Mortgage Needs and find the best solution for you!
A mortgage pre-approval is an important step in the home buying process and we can help you out. I can help with your financial strategy, your mortgage amount, down payment amount, purchase price and give you an overall idea of what you can realistically afford.
Each mortgage application is different and I will help you figure out the numbers so you can stay focused on shopping for properties within your approved price range. You and your real estate agent will know exactly how much you can comfortably afford along with the assurance of a locked in rate - all at no cost to you.
When it comes to mortgages, it hasn't always paid to be self-employed namely because reducing your taxable income can make it difficult to qualify for the mortgage you deserve.
I work with lenders that offer excellent mortgage options for self-employed Canadians. With these mortgage lenders, you will not be required to prove your income and a reasonable estimate of your annual income will be acceptable.
Investment properties, particularly smaller residential properties, are accessible to many average Canadians. Real estate has been one of the most attractive investment categories in Canada for the past decade.
I can help you take advantage of real estate opportunities and unique mortgage options if you're looking to seriously build your portfolio.
Why pay high interest rates on your bank's credit card debt when you can add that debt to your mortgage and pay a much lower interest rate! One important part of a strategy is knowing "good debt" from "bad debt". A well-planned mortgage can help you turn those bad debts into good debts and get them out of the way.
Refinance up to 80% of your home's value quickly and easily to pay off high-interest credit card debt that has caused your cash flow to slow to a trickle. Worried about penalties? Don't think it can make much difference? Think again. By using your home equity to consolidate your debt, you can improve monthly cash flow, have one easy payment, and be mortgage-free quicker.
Why use a Mortgage Agent?
You're in good hands!
Only 35% of borrowers who worked with Institutional lenders had a follow-up after their closing date.
Mortgage agents focus on building a lasting relationships to ensure you are always being looked after!
Access to over 50 Lenders
With access to over 50 Lenders, I am bound to find a solution for your situation. Whether short-term or long-term, I always have a plan!
Save money with expert advise
A total of 77% of buyers who used a broker said their mortgage broker gave them advice on rates and terms. Seventy-five percent said they were offered advice on choosing a mortgage they could afford.
Most of the buyers surveyed were satisfied with their brokers and/or would likely recommend them to others