An experienced, well-informed mortgage broker has access to a wide variety of lenders and mortgage products to suit a client’s needs. Consumers want the best rates available, but the best rate is not always the best product. A knowledgeable mortgage broker will advise and place a client with a lender based on the client’s needs, […]

A Mortgage Professional represents the client and ensures the mortgage secured best suits their needs. A good mortgage broker is a savvy negotiator. Mortgage brokers are independent, trained professionals licensed to represent and provide the best advice for the clients’ mortgage needs. Mortgage brokers know where the best rates can be found, and we represent […]

Obtaining Mortgage Approval to its Fullest Potential. With the recent waves of government mortgage rule changes, home buyers/homeowners are feeling disappointed that they have been declined or not approved by their lending institution for the financing they would like or feel they can reasonably afford. Today’s consumer does not fully understand that mortgages are no […]

A trusted and licensed mortgage advisor works for you. We represent you and what is in your best interest and not what is in the best interest of the lending institution. We are not a lending institution employee and working with the lending institutions best interest in mind; Lending institutions cross-selling incentives (Lines of credit, […]

Unbiased Advice Mortgage Brokers are industry professionals that provide free, independent financial advice. It doesn’t cost you a cent to call us for professional advice or a second opinion. In most cases, purchasing a home is the largest investment you will make, and it is critical that you understand the details of the financial options […]

Many people are unsure about the advantages of working with a licensed Mortgage Broker/Advisor. Here are the top 10 advantages of working with a licensed mortgage advisor. 1. Unbiased Advice: Mortgage Brokers are industry professionals that provide free, independent financial advice. It doesn’t cost you a dime to call us for professional advice or a second […]

Turn the house you like into the Home you will buy! Government restrictions on refinance guidelines have reduced the equity homeowners can access for renovations. High ratio buyers especially, in a market with slow growth value, may wait years before the house has appreciated enough that an 80% Loan to Value refinance provides any money. […]

What Mortgage Insurance Means for You Mortgage insurance is an insurance policy which compensates lenders or investors for losses due to the default of a mortgage loan. Mortgage insurance can be either public or private depending on the insurer. There are three mortgage insurers-Canada Mortgage and Housing (CMHC-public), Genworth (GE-private) and Canada Guaranty (CG-private). A […]

A variable interest rate loan is a loan in which the interest rate charged on the outstanding balance varies as the lenders’ prime interest rates changes. When this occurs, your payments will vary as well (as long as your payments are a blend of principal and interest). A Fixed interest rate loans are loans in […]