When you’re in the market for a mortgage, it’s important to understand the value of working with an independent mortgage agent who can offer you a full spectrum of solutions catered to your unique needs.
Homeownership has become increasingly difficult for many Canadians, so it’s more important than ever to work with a licensed mortgage agent. We’re key players in the mortgage industry and a popular choice thanks to the flexibility we provide – particularly for first-time homebuyers and non-traditional buyers, such as the self-employed or those with bruised credit.
One of the primary differences between using a mortgage agent and dealing directly with your bank is that we have access to multiple lenders’ product lines – including those offered by your bank. More choice means more products competitively priced to suit your needs.
Knowledgeable, full-service expertise
Think of our services as one-stop shopping where your mortgage agent will do all of the legwork on your behalf. In order to compare products and rates offered by different banks on your own, you’d have to do hours of research while being subjected to multiple credit checks, which could adversely affect your credit score – a key factor when securing a mortgage. You’d also have to understand all of the features and parameters to ensure you were effectively comparing all offerings.
Mortgage agents are knowledgeable about current mortgage and housing issues that may impact your home buying options and decisions. We also offer flexibility and convenience, and we’ll arrange to meet with you based on your schedule. You aren’t limited to meeting with someone strictly during their hours of operation.
Another important factor to keep in mind is that a mortgage agent is paid by the lender who secures your mortgage, so there’s typically no direct cost to you. We’re here to negotiate on your behalf and get lenders competing for your mortgage business – whether you’re buying your very first home or your fifth, or renewing or refinancing an existing mortgage.
Have questions about how you can benefit from working with a mortgage agent? Answers are a call or email away!