Many Albertans apply for a mortgage with just one lender, often their bank, without shopping around without realizing that competition always results in the best deal.
We will survey the market and search dozens of mortgage lenders to find the best rates in Canada. This FREE unbiased service ensures that you will receive low mortgage rates and huge savings over the term of your mortgage:
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3 years | 4.24 | 3.89 | $2,539.95 |
5 years | 4.24 | 4.99 | $8,987.12 |
7 years | 5.19 | 5.80 | $10,196.74 |
Our qualified and professional mortgage consultants offer personalized service to all of our clients. They are extremely knowledgeable and will offer:
The advice and counseling needed to sort out credit and assess mortgage qualifications.
It is a good idea to get pre-qualified when you decide to purchase a new home because being pre-qualified will help you to:
It is not just about making payments consistently and on time, there is a little bit more to the calculation of your credit score or beacon score as referred to in the mortgage industry. The payment history you have established only accounts for about one third of your actual beacon score. The pie chart below shows the actual breakdown of the beacon score.
Balances owing are a huge factor in the overall credit report. And, the longer you have had a good credit history will increase your score. But watch out, credit card accounts where the balances are at or above the credit limit will dramatically hurt your Beacon score.
Simply stated, a mortgage broker is an agent for lenders in much the same way an insurance broker is an agent for insurance companies.
Mortgage brokers act as agents for banks, trust companies, credit unions, mortgage corporations, investment corporations, finance companies and individual private investors.
Mortgage brokers are trained professionals that have to meet a satisfactory educational requirement before they may become registered. As such, this requirement ensures you are being provided with a duty of care, a working knowledge of mortgage products and a standard of service to meet individual needs.