Get independent advice on your financial options. As a mortgage broker I am not tied to one lender or one type of product. My goal is to help you successfully finance your home or property. I’ll start by getting to know you and your homeownership goals, make a recommendation, and together we will decide what’s right for you.
Save time. It could take weeks for you to organize appointments with competing mortgage lenders — and I know you’d probably rather spend your time house-hunting! I work directly with dozens of lenders, and can quickly narrow down a list of those that suit you best. It makes comparison-shopping fast, easy, and convenient.
I negotiate for you. Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. I negotiate mortgages each and every day on behalf of Canadian homebuyers. You can count on my market knowledge to secure competitive rates and terms that benefit you. Even if you’ve already been pre-approved for a mortgage by your bank or another financial institution, you’re not obliged to stop shopping! Let me investigate to see if there is an alternative to better suit your needs.
More choice means more competitive rates. I have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, I also know what’s being offered by credit unions, trust companies, and other sources. I can also help you take care of other requirements before your closing date, such as sourcing mortgage default insurance if your down payment is less than 20% of the purchase price.
Get access to special deals and add-ons. Many financial institutions would love to have you as a client, which is why they often offer incentives to attract creditworthy customers. These can include retail points programs, discounts on appliances, shopping clubs, and more. I do the math on which offers might be worth your attention when it comes to financing or mortgage insurance — so you get the perks you deserve.
Things move quickly! My job isn’t done until your closing date goes smoothly. I’ll help ensure your mortgage transaction takes place on time and to your satisfaction.
No cost to you. On typical residential mortgage transactions my services are free of charge to you. Like many other professional services, such as insurance, mortgage brokers are generally paid a finder’s fee when we introduce trustworthy, dependable customers to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.