WHY USE A MORTGAGE BROKER?

Mortgage Brokers are independent, trained professionals licensed to represent and provide you with the best advice for your mortgage needs!

Ongoing support and consultation.

Even once your mortgage is signed and paperwork is complete, we are here if you need any advice on closing details or even future referral needs. We are happy to be of assistance when you need it.

Get expert advice.

When it comes to mortgages, rates, and the housing market, we’ll speak to you in mortgage terms that are easy to understand as well as answer all the mortgage rate and related questions you may have. We can explain the various mortgage terms and conditions so you can make a confident choice.

No cost to you.

There’s absolutely no charge for our services on the typical residential mortgage transactions. How can we afford to do that? Like many other professional services, such as insurance, we are generally paid a finders fee when we introduce dependable clients to a financial institution. These fees are quite standard and nearly industry-wide so that the focus remains on you, the customer.

Get access to special deals and add-ons.

Many financial institutions would love to have you as a client, which is why they offer incentives to attract creditworthy customers. With themortgagespecialist.com, we have access to some of the ‘perks’ to mortgage financing.

SCHEDULE A CALL WITH ALEEM

Mortgage Brokers work hard for YOU and NOT the banks!

Brokers are not limited in the product they can offer you. Brokers seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company, or Private Funds.

There is a wide assortment of options and features available to homebuyers today. Shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many Canadian homebuyers. It pays to work with a mortgage professional who will represent you and ensure the mortgage you get is the one best suited to your needs.

Choosing the wrong mortgage can cost you thousands of extra dollars. Mortgage Brokers are trained professionals who can help you save on your mortgage dollar.

Ensure that you’re getting the best rates and terms.

Even if you’ve been pre-approved for a mortgage by your bank, you are not obligated to stop shopping! Let us investigate to see if there is an alternative to better suit your needs….. there usually is! A second opinion will definitely not hurt you, but it could save you potentially thousands of dollars.

More choice means more competitive rates.

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also know what’s being offered by credit unions, trust companies, and other sources.

We negotiate on your behalf.

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. We successfully negotiate hundreds of mortgages a year for our clients. You can count on our market knowledge and relationships with the lenders to secure competitive rates and terms that benefit you……… not the lender!

Save time with one-stop shopping.

It could take weeks for you to organize appointments with competing mortgage lenders – and we know that there is almost anything else that you would rather be doing! We work directly with dozens of lenders, and can quickly narrow down a list of those that fit you best. It makes comparison-shopping fast, easy, and convenient.

Get independent advice on your financial options.

As independent mortgage brokers, we’ are not tied to any one lender or range of products. Our goal is to help you successfully finance your home or property. We’ll start by getting to know you and your homeownership goals. We’ll make a recommendation, drawing from both our experience and available mortgage products that match your needs, and then assist in deciding what’s right for you and what best aligns with your goals and plans.

We take one credit bureau only but can forward your file to many lenders!

Many people inadvertently disqualify themselves from getting the best rate when they are shopping for a mortgage. When multiple banks pull a credit bureau, your credit rating drops every time,sometimes eliminating the chance for the best mortgage or a mortgage at all

Our application process is simple and quick.

We’ll take some information and then send it electronically to the lenders that we feel are the best fit for your situation; 24 hr turnaround is typical!

Step By Step.

We walk you thru the process of getting a mortgage, step by step, especially if you are a first time home buyer – it can be daunting.

What's Next?

Get in Touch

First time buyer or refinancing? Call for a free quote!

Apply Now

We shop for the best mortgage option at no charge to you.

How Can I Help?

MORTGAGE SERVICES

Mortgage
Purchasing

Let’s be honest, not many people can pay for their home in cash… Most people will need a mortgage to purchase real estate.

Our process starts with a 20-minute phone call. Often times, we can address 99% of your questions & concerns, and we can tell you how much of a mortgage you’d qualify for.

Mortgage
Refinance

It might seem strange, but you might actually be able to save money by refinancing your mortgage… Depending on the rate environment and your contract, I can help you figure out if it makes financial sense for you to refinance. Even with the fees & penalties – you could save thousands.

Mortgage
Renewal

If you are planning on renewing your mortgage with your current lender, you may be leaving money on the table. We can negotiate a better deal. You may also want a new mortgage product upon renewal, and we will show and guide you how to choose the mortgage that suits your future goals.

Debt Consolidation
Mortgage

Do you want to use your mortgage to consolidate your debt to manage your credit cards, car loans, taxes, or any other high interest bills? When executed well, alongside a short – and long-term plan, debt consolidation loans can help you reduce your overall debt burden while freeing up cash flow.

Sepration or Divorce
Solution

The truth is that divorce is difficult and stressful enough on its own. And when living arrangements, mortgages and financial instability start to pile up, it becomes a disaster. Don’t go into your divorce or separation with your eyes closed… You should be prepared for every financial thing that your partner could throw your way.

Mortgage Special
Servicese

In addition to our normal offerings, we have special programs for special situations. Learn more about our 10-Year Mortgage Rates, Mortgages For Heroes, & our Mortgage Adoption Process.

+1 (778) 233-2377