There are generally two ways to get a mortgage in Canada: From a bank or from a licensed mortgage professional.
Being a licensed mortgage professional, I help people get the best mortgage that fits their current and long term financial goals.
While a bank only offers the products from their particular institution, licensed mortgage professionals send millions of dollars in mortgage business each year to Canada's largest banks, credit unions, trust companies, and financial institutions; offering their clients more choice, and access to hundreds of mortgage products! As a result, clients benefit from the trust, confidence, and security of knowing they are getting the best mortgage for their needs.
Each financial situation is unique and each client is unique. There is no one size fits all mortgage. What a client needs as a first time home buyer is very different than the client purchasing an investment property.
Change is inevitable; in the markets, in rates, in people and all throughout our lives. What doesn't change is my commitment to my clients and the way I care.
Whether you're purchasing a home for the first time, taking out equity from your home for investment or pleasure, or your current mortgage is simply up for renewal, it's important that you are making an educated buying decision with professional unbiased advice.