Self employed individuals or BFS (Business for Self) make up 20% of income producing Canadians.

Northwood Mortgage agents have access to lenders who have come to realize the importance of the market and have designed mortgages specifically towards BFS entrepreneurs. Just because there are mortgage products targeted to you doesn’t mean they are easy to get.

Although these products are available they still require solid preparation. As with all mortgages, proper planning and consultation with your mortgage agent will avoid the many pitfalls, delays and common mistakes made by individuals seeking mortgage funding.

The good thing is that you can get a mortgage for most purchases or purchase with improvements. You will also be able to fund progress advances for new builds and refinance you current mortgage.

 For a Meeting with your local Northwood Mortgage Agent

The BFS category is taking it pretty much on the chin when it comes to providing information to qualify for a mortgage compared to employed individuals. Here are some of the rules;

• Good Credit - is an obvious but extremely important rule. A good score in the 700s will definitely appeal to even the most discriminating lender.

• Debt- Your TDS, total debt service ratio, must be a minimum of 42% but with a credit score over 680 can be 44%.

• Stability- a proven record of at least 2 years positive income is necessary. 

• Income – you must declare a reasonable income that is comparable with your industry sector. You can’t be declaring $20,000 income if you are a skilled tradesman in an industry reporting $100,000.

• 3rd Party Verification – you must provide verification that you have managed you finances and credit properly. Usually a financial statement prepared by your accountant.

• Loan to Value - you must have a loan to value ratio of 90% for a purchase or progress advance and 85% for a refinance.

• Maximum- Loans are capped at $750,000 although some case by case exceptions can be found. Equity take outs are capped at $200,000.

• Documentation – 2 years Notice of Assessment and T1 Generals, financial statements and or HST return, business licence. These are on top of photo ID,  and a completed mortgage application.

• Delinquencies, Bankruptcies or Tax Arrears – forget it you won’t qualify.

Talk with your Northwood Mortgage Agent  to get all the information required for a BFS mortgage. If you are prepared and well documented it can be a breeze. Call me today at 705-990-0388 I’ll be glad to talk with you but more important, I’ll listen.

Northwood Mortgage Brokers will help you Access Government Rebates, Credits and Refunds.

For a First Time Buyer, FTBs, accurate professional information from a mortgage broker or mortgage agent is vitally important. Proper planning and being aware of the rules can help to save you thousands in rebates, credits and refunds.

A mortgage agent can help you arrange financing on your home with the lowest interest rates in history, but he can also provide some valuable information that can save you thousands, too. To access your Northwood Mortgage Agent, call 705-990-0388, ask for Steve.

The Home Buyer’s Plan

The Government of Canada, through the Canadian Revenue Agency introduced a plan designed to help FTBs to get into the market. With the plan you can withdraw up to $25,000. in RRSP contributions without paying withholding tax if it is put towards the purchase of a new or resale home. This money remains tax free as long as it is repaid within 15 years and your are still eligible for all the refunds and credits as if it were still in the fund. There are some rules in the fine print that you need to be aware of and your mortgage broker or mortage agent can help you understand the following;

1.  The funds need to be in your RRSP for a minimum of 90 days. 
2.  You must be a minimum of 18 years old
3.  The home must be your principle residence within 90 days of transfer
4.  Neither you or your spouse cannot have owned a house or had interest in a house anywhere in the world.   
5.  You must have a written agreement to purchase or build and the condition of the final withdrawal no later than 30 days after closing.

So what if you have already purchased and were counting on the RRSP money for your down payment? Your mortgage agent will provide you with two options.

•  Ask for a delay in closing. This is easier to do with a new home as builders may be willing due to delays in supplies or contractors

•  You may still be able to access the funds in your RRSP, but they will be subject to withholding tax. You will still be eligible for the deduction and tax refund.

• You may be able to use your line of credit for the down payment and then when the 90 day term is satisfied you get the 90 day benefit, the deduction and the refund, plus your LOC is intact.

Be sure to ask your mortgage broker about the HST tax on your home. Here’s what you need to know.

»HST tax is applied to new homes or homes that have been substantially renovated, not on resale homes

»New home buyers will receive a rebate on the Provincial portion of the HST up to $24,000 regardless of the price of the home.

It is always a good idea to plan your purchase by talking with mortgage professionals before you go out to buy a home. A Northwood Mortgage agent, will help you decide on your qualifications, affordability and will help you wade through and understand rebates, credits and deductions.

Naturally, there is a lot to consider when getting a mortgage loan. Wading through the paperwork and red tape, as well as making key decisions is not something you have to do on your own. Why not let an expert guide you through the complications and intricacies of the mortgage process.

Mortgage agents in Toronto, GTA, and Barrie area can come to your home and help you make the big decisions.

A mortgage agent can walk you through the differences between a fixed or variable rate mortgage and how each could benefit you, in your situation. Mortgage brokers and agents don’t work for a bank or lender – they work for you to bring you the best mortgage available. No need to toss a coin.

Get an expert to help you make an educated decision.

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

Fixed Rates or Variable Rates? A Decision not Easily Made.

When a mortgage broker or mortgage agent conducts a client meeting inevitably the discussion gets around to the type of mortgages available. Basically there are two, fixed or variable, although with the advent of a hybrid mortgage, that combines both, technically there is three.

So which one is better? The short answer is, it depends.

“On the surface the current 2.80% variable rate looks much better than the current 3.14% rate, and for some people it just might be. However the lowest rate might not be the best mortgage for you.”

An honest mortgage broker or mortgage agent will tell you he does not know what is going to happen to interest rates.  We just don’t know anymore than you do, what will happen to the economy, world events, the Bank of Canada or the bond markets, all factors in determining mortgage interest rates.

Get a Northwood Mortgages Ltd. Agent working for you today!

Contact me right now
705-990-0388                  
info@georgianmortgages.com

Your mortgage broker or agent will be able to provide historical data, of variable rates to fixed rates and their differences, but as with all historical data it is not indicative of the future and therefore inconclusive. When making an important financial decisions you need more information.

The right one can save you thousands, the wrong one might cost you thousands.

Intitially,  when attempting to decide on fixed or variable rates you and your mortgage agent should discuss and analyse the following;

• Income - Is there a risk of income interruption, what type of income is it, salary or commission. Is there enough to qualify for a 5 yr fixed rate most commonly called the MQR or mortgage qualification rate, used to evaluate affordability.

• Debt - your Gross Debt Service, (GDS) ratios consider your principle interest taxes and heat. (PITH) your Total Debt Service ratio, (TDS) includes PITH plus all your other debt such as credit cards, lines of credit, loans, car payments. Each ratio compares your monthly debt to your monthly income.

• Equity-Do you have equity in your home and is your Loan to Value, (LTV) less than 80% to allow refinancing if necessary. 

• Assets-  Do you have at least 6 months of living expenses or can access a line of credit.

• Risk Tolerance - Can you handle a 2% increase in interest and a 30% increase in payments. What about a 4% increase.

Your mortgage broker or agent must run future interest rate scenarios to look and the impact on payments and amortization and how they apply to you and your personal finances.

A mortgage broker is trained to provide you with the right information so you can make an educated decision. Just as no one mortgage fits all individuals, no one answer to the question of whether a variable rate or a fixed rate mortgage is best for your unique situation.

Mortgage Brokers Help Divorcing Couples Finance Their Next Move

Mortgage brokers play an integral role in smoothing the transition to single life by working with clients who are about to separate or divorce to arrange mortgages for both.

As difficult and emotional as divorce is, couples need to contact their mortgage agent to discuss, property equity, individual credit scores and availability of mortgage financing. The mortgage agent can meet confidentially with both parties either separately or together. Unlike a lawyer who must represent one client or the other, a mortgage broker or mortgage agent, can work with both individuals to arrange a mortgage for both at the same time.

The mortgage broker will follow the rules of fiduciary duty to ensure both parties are treated fairly and equally and that both best interests are met. 

Get a Northwood Mortgages Ltd. Agent working for you today!

Contact me right now
                        705-990-0388            
info@georgianmortgages.com

6 Steps your Mortgage Broker will Take to Help You;

1) Provide Open Correspondance.

Both parties, where ever they are, need to be informed of developments or information required. A mortgage broker will keep concise and accurate records of all meetings and relay information to each party so that they are both aware of every step in the process of mortgage financing.

2) Provide the Patience.

Important decisions need to be made concerning properties owned mutually. A mortgage broker can work with individuals or lawyers to work through the legal decisions imposed by the courts. He will also meet with both individuals, doing the legwork to get the deals done. This often takes time as parties may not live in close proximity.

3) Lend an Ear.

Mortgage brokers and mortgage agents are trained to listen. The agent must listen to both parties to determine their wishes, goals and aspirations for the future. It is not only essential to listen but to practice effective communication skills by repeating back to individuals to let them hear how they are communicating, allowing for reflection or clarification.

4) Provide Timely Follow-up.

Things move quickly especially when your mind is occupied with so much turmoil. The mortgage broker will keep on top of things to make sure documents are assembled, deadlines are met, and closings go as scheduled.

5) Provide a Neutral Professional Service.

A mortgage broker is not involved with the courts, lawyers or the myriad of other problems of divorces and separations. He is neutral and his actions are based on facts so the mortgage agent eliminates the emotions in providing the best mortgage options for both parties.

6) Confidentiality is Guaranteed

Mortgage brokers are bound by law and best practices codes of ethics to maintain confidentiality in all matters concerning your financial situation and mortgage application. It is advisable that you seek options to mortgage financing before you make these important life decisions. As your mortgage agent we will meet with individuals and confidentially discuss financing your next move and will provide you with the best available options so you can make  educated decisions

Getting a mortgage loan is a major life decision. It can be a confusing, stressful, time-consuming process, especially for first time home buyers. That’s why it makes sense to go to an expert, and have someone in your corner.

Working with a mortgage agent or broker means there is someone to support you throughout the process of obtaining a mortgage. Someone to answer questions, clear up confusion, do the legwork for you and bring you the best available rates.

A mortgage agent works directly for you, not a bank or lender, meaning they have your interests at heart at all times.

Unlike a bank, a mortgage agent has a duty to find you the best possible mortgage and they are bound by law to do so. And they come to you – you can deal with an agent directly over the phone, by email or in person from your own home. Why not have an expert working for you?

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

Mortgage Brokers, Fiduciary Duty and the Bank.

Fiduciary duty is more than a fancy phrase, it is a set of legal rules that all mortgage brokers and mortgage agents, among other occupations, are bound by. Mortgage brokers can face legal action that comes with severe penalties for violation of these rules and principles.

Key elements of a fiduciary relationship as deemed by the Supreme Court of Canada are: trust, confidence and a reliance on special skills or knowledge. If these elements exist then mortgage brokers are legally attached to a fudicary relationship.

Fiduciary responsibility to a mortgage broker means simply;

” putting the mortgage client’s interest ahead of the mortgage broker and providing the highest level of standard care to the client to promote this interest”.

Get a Northwood Mortgages Ltd. Agent working for you today!

Contact me right now
            705-990-0388      
info@georgianmortgages.com

In the case of a commercial or retail outlet, employees are considered, “at arms length” from a transaction and therefore not bound by agency laws or fiduciary duty. Visiting the Wikepedia website one finds a list of 22 occupations, mortgage brokers and mortgage agents included, that routinely by law, attract fiduciary relationships.

Strangely banks are not on that list!  They are considered a commercial retail enterprise thus not bound by law to provide this vital element of a business relationship.

It is generally accepted that the sales person in a sales transaction is interested their own self interest along with the interest of their employer, (profits) and that those interests come before yours. The same is true in a bank retail outlet. Quotas, bonuses, advancement etc, are all predicated on employee performance in the selling of products, mandated by head office for the profitability of the bank.

This must come as quite a shock to the thousands of unsuspecting individuals who enter a bank expecting that their best interests are to take priority when they are seeking a mortgage.

 In spite of all evidence and appearances that would indicate agency law and fudiciary duty should exist, incredibly, banks are not legally obliged to provide these important protections.

For all the mortgage brokers and mortgage agents, who are legally bound by these laws and principles, this only serves to strengthen our commitment to serve our clients openly, faithfully and honestly. It is validation and vindication of our purposeful place within the mortgage industry.

 It also serves to promote mortgage brokers and mortgage agents as the best and arguably the only choice, when seeking a mortgage.

We promise you up front that we are working for you, not the lender, and you have the assurance that the Supreme Court of Canada makes sure we do!

Getting a mortgage loan does not have to be inconvenient, confusing, or expensive. If you live in the Barrie or GTA area, dealing with local mortgage agents can save you a hassle, and get you the best mortgage rates available.

Today a local mortgage agent has the same capabilities as the big city agents. They are able to work with large brokerages out of Toronto, meaning they have access to all the latest mortgage information and the lowest rates, and can bring them to your door. There’s no need to set foot in a bank. Local agents bring small town service and big city expertise to you – and their service is free.

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

How Does a Barrie Mortgage Stack Up to a Toronto Mortgage?

The truth is mortgages in Barrie are as accessible as mortgages in Toronto, thanks to local mortgage agents representing large brokerages in your area.

Local mortgage agents are equipped with the latest information, mortgage interest rates and terms, and can bring all of the available mortgage options to your door.

Today a mobile mortgage agent can arrange your mortgage from the comfort of your own kitchen and still get you the best mortgage available anywhere (and their services don’t cost you a dime).

Get a Northwood Mortgages Ltd. Agent working for you today!

Contact me right now
705-990-0388
info@georgianmortgages.com

Why a Northwood Mortgages Ltd. Agent is so sought after.

A large mortgage broker such as Northwood Mortgages Ltd. has developed relationships with over 48 of the largest lenders in Canada, including 4 of the major banks.

Not all mortgage brokers have these established business relationships.

These relationships give Northwood Mortgage agents the ability to survey the entire lending marketplace at once – and select the mortgage and terms that best suit their clients from the largest possible array of choices.

Every mortgage agent claims to have the best rates and terms available, however that is not always true.

Large mortgage volumes by large mortgage brokers, like Northwood Mortgage Ltd., (who originates over $500 million in mortgage funding annually), means receiving volume “status” from lenders and better rate discounts which are then passed on to clients.

Mortgage agents licensed with Northwood have a decided advantage over agents working with smaller firms.

When choosing your mortgage agent, there are a number of things to consider. The main considerations are

The service,
Best mortgage rates,
Availability of options and
Knowledge of the mortgage agent .

Only by working with a mortgage agent associated with a larger mortgage broker, will get you the best overall mortgage for your needs.

They don’t work for a bank or lender – they work for you, their client. This means they search all sources to find you the best rate possible, saving you time and a lot of money.

And all these services are free.

Shopping for a mortgage is like shopping for a flight or a big-screen tv. Comparing prices is key. You wouldn’t just purchase the first one you came upon. An experienced mortgage specialist knows how to find the best rate, and how to explain the fine print. Unlike a bank they depend on your business – you are their business. For service, support and savings talk to an expert.

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

Mortgage Specialist Services

Mortgage specialists or agents, only focus on mortgages. No tellers, deposits, car loans, or ATMs. No large expensive buildings, branches, huge corporate head offices, or the layers of management and “fat cat” salaries that go along with it.

This means that every day of every week we are reading the latest mortgage news, surveying the marketplace for innovative mortgage products, and essentially living and breathing mortgages and only mortgages.

The same is true of some of the lesser known mortgage providers who make up a large percentage of all the mortgages in Canada. Names like Street Capitol, Resmor, Merix or MCAP. Not exactly household names, but instrumental in providing rates, options, and terms through mortgage brokerages exclusively.

A recent survey of mortgage borrowers revealed that
65% did not compare mortgages from more than one lender before they obtained their mortgage!

The number one reason?

They falsely believed that their loyalty and business over the years, will be returned in kind.

Nothing can be farther from the truth. There are numerous anecdotes from borrowers who receive mortgage renewal notices with rates far above market rates. In order to get the best rate you must call the bank, make an appointment to go to their offices, to negotiate better rates and terms. In short Canadians, reluctant to change old habits, are spending more for mortgages than the need to.

In fact they do not even care if you take your business elsewhere!

The loss of your business is more than made up from people who just blindly sign and return the bank’s first offer.

How’s that for loyalty?

Get a Northwood Mortgages ltd. Agent working for you today

Contact me right now
705-990-0388
info@georgianmortgages.com

 

Just take a minute to think of your bank’s mortgage officer. They receive their entire compensation, bonuses, benefits and pensions from one source, their employer, the bank. Who’s interest will be coming first, yours or the entity that employs them?

A mortgage specialist or mortgage agent receives their compensation in the form of a finder’s fee from any of the many mortgage sources they access. Their focus remains on you because it doesn’t matter which lender they work with as long as you, the client, get the best mortgage available.

A mortgage specialist relies on client satisfaction and referrals for his income and business growth. Not on quotas, budgets and career advancement to keep in good favour with his bosses.

Working with a mortgage agent or specialist can mean the difference of thousands of dollars in interest over the life of your mortgage.

Dollars you have worked hard for and deserve to keep. 

 

Northwood Mortgage agents are mortgage specialists who can even get you a better rate at the same bank you have placed your devotion and loyalty with.

Something to think about when you see that smiling, happy and contented banker, hoping to make his quota this month and be in line for that promotion, isn’t it?

Why should you work with a mortgage centre instead of a bank for your next mortgage? Savings, service, convenience, support – take your pick. Working with a mortgage agent means you are working with someone with your best interests at heart. They don’t work directly for a bank or lender – they work directly for you, and you pay nothing.

A mortgage agent gets you the best rate they can find – anywhere. They save you the shopping around. A mortgage agent is an expert in mortgages and can give you the information and support you need throughout the process, and all at your convenience. A mortgage agent will communicate with you through phone, email and will even visit your home.

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

Why Should You Use Mortgage Centre Instead of a Bank?

Advantages of using a Mortgage Centre

Mortgage Brokerages are Held Accountable for their Conduct in Business

Mortgage Centre, Mortgage Superstore, Mortgage Monster, Mortgage Intelligence, Mortgage Sense.

This is a confusing array of names and implications but they are all exactly the same thing, they are mortgage brokers. Provincially licensed, and provide mortgage financing and services to clients.

Our governing body, FSCO, (Financial Services Commission of Ontario), has very strict rules about exactly what a brokerage may do, and exactly how it must conduct its business. Compliance is mandatory to maintain a brokerage licence.

Before you work with anyone in the mortgage business, make sure you see a valid licence number on all ads, documentation and correspondence. If in doubt, visit the FSCO website, www.fsco.gov.on.ca

Get a Northwood Mortgages ltd. Agent working for you today

Contact me right now
705-990-0388
info@georgianmortgages.com

You Have a Choice

The main advantage of obtaining mortgage financing through a mortgage centre or broker, is one of choice.

A bank mortgage officer can only offer mortgage products that the bank has told him to offer.

The bank has a very large portfolio of clients, has many revenue streams and makes millions of dollars in profits. So a few hundred thousand plus or minus is no big deal. If you take your business elsewhere they will more than make up for it from clients who are naive enough to accept their first offer and who don’t shop for the best rates and terms.

A mortgage agent builds his business based on

honesty, integrity and trust,

relying on customer satisfaction and referrals. You know the independent mortgage agent is going to go the extra mile for you.

His Living Depends on Your Business. 

We are very up front about how we are compensated and there is full disclosure along the way so you know it is your best interest that we are focused on.

Dealing with a mortgage agent or broker in your area is important because they are well connected within your community.

Not only are they specialists in their field, but mortgage agents meet and know many people in related businesses such as local real estate agents, home inspectors and lawyers who can provide additional necessary services. 

You Matter

A local agent, invested in the community, will be there for you over the long term to answer your questions. They are familiar with you, your family, goals and financial situation.

You are not a number in a huge list at a bank head office somewhere, but a person, neighbour and friend.

With the backing and support of a large mortgage broker such as Northwood Mortgage Ltd. you get the very best from the very best. Northwood Mortgage Ltd. originates over $500 million in mortgage funding annually and has preferred status with the top lenders in Canada.

Dealing with an agent who has the backing of a large established mortgage broker means that you get the very same mortgage and options available to everyone.

It just makes sense to deal with the source from the start to know you are getting the best deal possible, doesn’t it?

Acquiring a mortgage is one of the biggest financial decisions we make in our lifetime. When faced with a decision of this magnitude it is extra important to make sure you have someone in your corner offering support, guidance, information and service. Someone experienced and knowledgeable with an active interest in finding the best mortgage for you.

A Northwood Mortgage agent can offer you all of these things for free and at your convenience. They work for you – not a bank or a lender. That means that at all times your best interests are at heart.

Steve Clark is an experienced Northwood Mortgage Ltd agent.
Click here to see how he can help you with your mortgage.

Who is Northwood Mortgage Ltd?

Established in 1990 Northwood Mortgage Ltd. is one of the largest independent GTA mortgage broker firms. Northwood Mortgage staff offer only the highest quality services and products to our clients, investors and lenders alike.

We provide unmatched ability to underwrite, place, and fund, residential prime and sub-prime mortgages and investments.

Get a Northwood Mortgages ltd. Agent working for you today

Contact me right now
 705-990-0388
info@georgianmortgages.com

Northwood Mortgage Ltd. are also experts in commercial, industrial and investment mortgage placement. We have placed loans for as little as $10,000 to $19,000,000.

All of our managers and agents are members of CAAMP, (Canadian Association of Accredited Mortgage Professionals) and subscribe to its by-laws, code of ethics and standards of practice. CAAMP boast as members most of Canada’s institutional lenders including the major chartered banks. We are also proud members of IMBA, (Independent Mortgage Brokers Association).

Northwood Mortgage Ltd. trains its agents to listen to the whole picture to truly assess your particular situation,

including situations outside of traditional lending categories such as;

• self employed mortages
• non-income verifiers
• credit issues
• financial distress

Whether you are looking for assistance in obtaining a 1st or 2nd mortgage,
Northwood Mortgage Ltd. offers a number of services to help you;

• consolidation of debt to improve cash flow
• turning home equity into cash when you need it most, for repairs or renovations, education financing, vacations or weddings
• earning returns on home equity through investments

And is committed to finding the best;

• prime mortgage rates well below posted rates
• construction and bridge financing loans
• high ratio 2nd and 3rd mortgages
• funding up to 100% loan to value mortgages.

We can do this by maintaining relationships with Canada’s most respected financial services companies. This allows us to offer you access to an extensive and professional range of products and service all designed to meet your goals.

As an agent for Northwood Mortgage, I am dedicated to the maintaining our values and providing the highest levels of service and information. With Northwood Mortgage’s support and on-going training and communication I am up to date in latest programs, the best rates and consumer information in the fast moving financial market.

 With all of the benefits of working with a mortgage broker, people all over are looking to take advantage of broker services. Fortunately, due to improved technology in communications, brokers are able to send their agents farther and farther afield to provide personal, convenient service to clients.

This means mortgage brokers headquartered in Toronto are able to communicate faster with their agents in Barrie, the GTA and all over Ontario – updating them with the latest mortgage news and rates, freeing them up to spend more time with you – the client.

Mortgage agents are now able to provide first-rate service to their clients – at their clients’ convenience. You as a client never need to set foot in an office or bank. You have the option of dealing with an experienced agent over the phone, via email or they will visit your home. It has never been easier to get a great mortgage.

Steve Clark is an experienced Northwood Mortgage Ltd agent.Click here to see how he can help you with your mortgage.

Toronto Mortgage Brokers in Rural Areas

With the advent of the latest technology in communication devices, Toronto mortgage brokers can and do stay in touch with agents and customers, at a moment’s notice and in real time.

This eliminates the costly and time consuming need to commute to and from head offices for information. It allows mortgage agents to be in the field, in their home territory, providing service to their clients.

It also allows Toronto mortgage brokers to allocate savings from reduced office space and branches to resources that assist clients and agents alike. Resources like up to the minute rate sheets, informative and current websites, and mortgage calculators. The savings allow agents to attend more training seminars and conferences to increase their skill levels and education.

All these developments translate to a higher more professional level of expertise from local mortgage agents representing Toronto mortgage brokers.

Again, it all comes back to benefiting the consumer - benefits such as allowing easy identification of the differences in mortgage agents and brokerage firms, such as Northwood Mortgage.

Get a Northwood Mortgages ltd. Agent working for you today

Contact me right now
 705-990-0388
info@georgianmortgages.com

Although mortgage interest rates are important when making a decision, they aren’t the only thing that is important.

A sound mortgage decision is based on;
short and long term goals,
market conditions,
mortgage trends,
and the availability of current financial information such as
rates,
bond markets
and indicators from the Bank of Canada.

Not only is the availability of the information important but understanding the implications of this information is crucial.

This service provided by your mortgage professional, can mean the difference of thousands of dollars into, or out of, your pocket.

The right mortgage can mean years of peace of mind and increased financial opportunity for consumers. Wouldn’t that be a nice way to spend your time?