| 1 | Get
independent advice on your financial options.
As independent mortgage
brokers and mortgage agents, we’re not tied to any one lender or range of
products. Our goal is to help you successfully finance your home or property.
We’ll start by getting to know you and your homeownership goals. We’ll
make a recommendation, drawing from available mortgage products that match your
needs, and we will decide together on what’s right for you. |
| 2 | Save
time with one-stop shopping.
It could take weeks for you to organize
appointments with competing mortgage lenders — and we know you’d probably
rather spend your time house-hunting! We 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. |
| 3 | We
negotiate on your behalf.
Many people are uncertain or uncomfortable
negotiating mortgages directly with their bank. Brokers negotiate mortgages each
and every day on behalf of Canadian homebuyers. You can count on our market knowledge
to secure competitive rates and terms that benefit you. |
| 4 | More
choice means more competitive rates.
We have access to a network
of major lenders in Canada, so your options are extensive. In addition to traditional
lenders, we also know what’s being offered by credit unions, trust companies,
and other sources. And we can 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. |
| 5 | Ensure
that you’re getting the best rates and terms.
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 us investigate to see if there is
an alternative to better suit your needs. |
| 6 | 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. We 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. |
| 7 | Things
move quickly!
Our job isn’t done until your closing date goes
smoothly. We’ll help ensure your mortgage transaction takes place on time
and to your satisfaction. |
| 8 | Get
expert advice.
When it comes to mortgages, rates, and the housing
market, we’ll speak to you in plain language. We can explain the various
mortgage terms and conditions so you can choose confidently. |
| 9 | No
cost to you.
There’s absolutely no charge for our services
on most typical residential mortgage transactions. How can we afford to do that?
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. |
| 10 | Ongoing
support and consultation.
Even once your mortgage is signed and
paperwork is complete, we are here if you need any advice on closing details or
even future referral needs. We are happy to be of assistance when you need it. |
