Working for you.
Not the bank.
The right mortgage is a critical factor determining long-term savings. The value of a professional mortgage broker comes from having someone who objectively works for you and is not limited to mortgage product offerings from one source, like a bank.
Choosing the right mortgage option takes into consideration interest rate, payment privileges, payment penalties, long term savings, and much more. It’s about more than just about a great rate. It’s about getting you the mortgage that fits you, and saves you the most money over the life of the mortgage.
The differences between my services & the bank’s:
Mortgage Broker Services
- Access to over 50 lenders (including banks)
- Working for you
- Offering the best rate in the market
- Working to get you the best rates and terms possible.
- Can guarantee an interest rate for 90-120 days
- Keep in touch through mortgage years for annual reviews, refinancing, renovation financing, debt consolidation, and access to your home’s equity
- Access limited to the bank’s mortgage products
- Works for the bank and its shareholders
- Offers the rate for that specific bank only
- Working to sell you the bank's mortgage product on their terms
- Can't offer you a better deal from another lender
- Bank’s corporate office sends an annual statement in the mail and notice of mortgage renewal at end of term