Buying Your First Home? Working with a Mortgage Broker is Your Best Choice

Darcy DoyleMortgage Tips

The Mortgage Professionals-self employed

As licensed mortgage brokers, it’s our pleasure to walk you through every step of the homebuying and mortgage financing processes – from prequalification to funding and beyond.

If you’re a first-time homebuyer, our extensive knowledge of the Canadian mortgage landscape will prove particularly beneficial.

In today’s hot real estate market where multiple bids are reality, it has never been more important to get prequalified for a mortgage to know what you can afford before you start looking for your dream home.

We offer an abundance of home financing choices the banks simply can’t compete with. We have access to a vast array of lenders – dozens of institutions, including banks, credit unions and trust companies – which enables us to negotiate the best possible mortgage products and rates on your behalf. In comparison, if you approach your bank with a mortgage request, they can only offer you a narrow choice – namely, their own product line.

Because we specialize in mortgages, we do our homework on available products and stay up-to-date on any new products – or changes to existing products or mortgage rules – as they happen, so we can best advise you on offerings that match your specific needs. We don’t have quotas for selling other products, like insurance, investments, and so on. We just focus on funding mortgages every day.

As independent mortgage brokers, we work for you, not the lender, and we only get paid by the lender when your mortgage successfully funds. In many cases, our services are free! It’s only during the most challenging deals that we charge a fee. And it’s under these more trying circumstances where the use of a mortgage broker is even more invaluable.

Because of some great lender relationships we have established over the years and thanks to being backed by Canada’s number one mortgage brokerage network – Dominion Lending Centres – we’re able to say ‘yes’ to more mortgage deals pertaining to all borrower types including employees, self employed, contractors, New to Canada, blemished credit, BC Home Partnership Program and more.

Thinking long-term

We’re with you for the long haul. It’s our job to ensure you’re paired with the mortgage product and rate that best suits your financial situation both now and into the future.

We’re not interested in simply funding one mortgage with you and sending you on your way. We’re here for you throughout your life as a mortgage holder. This means we’re available to answer any questions you have at any time. And when your lifestyle changes, for any reason – and it will – we can help adapt your mortgage to your changing needs.

In fact, we recommend an annual mortgage review for all our clients to ensure their mortgage savings are always being optimized. Working with us is like having your own personal mortgage coach walking you through the entire process and explaining all the ins and outs of your mortgage options every year.

And the longer we work together, the better we’ll understand what your future needs may be! We’ll get the lenders competing for your mortgage again at renewal time or anytime you need to renegotiate your mortgage.

We look forward to working with you!