When shopping for a mortgage, it’s important to consider not just the mortgage rate, but the professional advice and service you deserve to get from an experienced mortgage broker in Toronto. Too many mortgage shoppers tend to only look for the “lowest mortgage rates” while forgetting about important factors such as mortgage product terms, flexibility and pre-payment privileges.
There are many low mortgage rates available these days but some lenders will have clauses in their contracts causing large penalties & fees later on when selling your home, refinancing or when applying for an early mortgage renewal. An experienced mortgage broker can help you avoid problems in the future and give you professional advice to help you decide which mortgage products suit your needs and financial goals.
Mortgage brokers in Toronto can arrange your mortgage with a wide variety of lenders. Most brokers will have access to approximately 40+ different lenders such as banks, trust companies and credit unions. As well, an established Toronto mortgage broker will have access to many private lenders for non-conforming mortgages. An experienced mortgage broker should give you a variety of product options along with a competitive low mortgage rate and efficient service. Most brokers will not charge a fee for their service as they get compensated by the lenders, in most cases.
Ask how involved they have been in business to determine their level of knowledge and expertise in the mortgage brokering industry. Many mortgage shoppers have had great experiences using an experienced mortgage broker in Toronto. You should feel comfortable with the advice and professionalism a broker gives you before submitting an application. Take the time to interview your mortgage broker so your questions are answered in detail and you are comfortable about the mortgage application process from start to finish.
Vijay Gandhi is an independent mortgage planner- industry insider & CENTUM Agent. If you are purchasing, refinancing or renewing your mortgage, contact Vijay or apply for a Mortgage Check-up to obtain the best available rates and terms.
As always, if you have questions about the 50/50 mortgage product and whether it’s right for you, or other mortgage-related questions, I’m here to help!
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