Information about Canadian mortgages
Why use a mortgage broker/agent?
There are many advantages to using a mortgage agent, most often at no additional cost to you! We get 'A lenders' fighting for your business, so you'll most likely save money by using one. Mortgage agents also have access to lenders who approve less-than-perfect credit scores or history, a lot of which do not deal with borrowers directly. No matter your situation, using a mortgage agent you can trust, is a smart move. Here's a link to FSRA's take on the use for mortgage agents...
First time buyer?
Buying your first home can be exciting, but there is a lot to know. Click below for info on how much down payment you need to buy your first home. There is information about insured high-ratio mortgages, along with info about conventional mortgages and current home buying programs, plans and incentives.
Protecting your credit history
Protecting your credit history and beacon score is very important, as it leads to better interest rates and a wider variety of loan products.
Click below to view and protect your credit eligibility with creditkarma.com. I have used it for years, free and easy to use!
If your credit score is not perfect today, that's okay - I can still find you options!
Renewing your mortgage?
If you have questions about renewing your mortgage - click below for information straight from FCAC. There is mention of shopping around and negotiating for best rates, but don't worry - I will be doing that for you!