Paul Heiskanen - arranging Thunder Bay mortgages since 2003
One of my greatest frustrations as a former banker was that my employer only allowed me to sell its mortgages, which leads to the following questions:
- Does your banker know which other banks/lenders are currently offering better mortgages and/or rates?
- Even if your banker did know, would he/she advise you to get your mortgage there instead?
If the answer is no, then your banker is not providing objective advice. A banker's job is to sell you what they have to offer. They aren't necessarily working in your best interest. If you are shopping for the RIGHTMortgage, I have access to 60+ banks/lenders competing for your business. Best of all, you pay no fee for my services, even if I get you a better rate at your own bank. (My fee is paid by the bank.) OAC.
How can a Mortgage Broker get you a lower mortgage rate at your own bank, you ask?
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It's simple economics. Mortgage Alliance (as Canada's largest mortgage brokerage) pre-negotiates volume discounts directly with the bank head offices in Toronto. So instead of an individual paying the retail rate at the branch level, you get the wholesale rate and pocket the difference.
- Since opening my Mortgage Alliance office in 2003, I've helped hundreds of families purchase their own homes in
- 20+ years of financial services experience (i.e. mortgages, banking, life/disability insurance, financing, investments, lending, financial planning, etc.)
- Lifelong resident of
- Certified Financial Planner designation.
- Accredited Mortgage Professional designation.
- From CMHC's 2011 Mortgage Consumer Survey: first-time buyers using a mortgage broker increased to 48%.
- From CMHC's 2011 Mortgage Consumer Survey: those who renewed their mortgages through a mortgage broker received an average rate decrease of 1.4%, compared with 1.0% among all renewers.
- Available at your convenience (evenings and weekends).
- There is no cost or obligation when calling me for a 2nd opinion or rate quote.
- 20+ years of financial services experience (i.e. mortgages, banking, life/disability insurance, financing, investments, lending, financial planning, etc.)
Life is what happens while you are busy making other plans.
Although John Lennon wasn't likely referring to mortgages, life does happen to good people (i.e. death in the family, disability, sickness, lay-off, strike, career change, separation, divorce, bankruptcy, credit counseling, collections, judgments, debt load, lack of credit, no down payment, immigration, etc.) Based on my extensive Mortgage Brokering experience, I know which specialty lenders can approve mortgages for each uniquely challenging situation.
Choice, Convenience, Counsel
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See complete contest rules for details at www.rightmortgage.ca/minimizeyourmortgage
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