A Complete Mortgage Professional


We know that purchasing a home can be a very stressful time and it is our commitment to you to assist with every step of the mortgage process. We have compiled the top six reasons for using a complete mortgage consultant and look forward to working with you to reach your financial goals.

1. Get independent advice on your financial options:

As independent mortgage brokers we have over 40 lenders and wide variety of products to chose from. Our goal is to assist you by successfully financing your home or property: vacation, investment, rental or otherwise. We will start by understanding your financial goals and provide you with the mortgage products that meet your specific needs.

2. No cost to you:

There are no costs to you for our services on typical residential mortgage transactions. Like many other professional services, such as insurance, mortgage brokers are generally paid a fee when we introduce dependable customers to a financial institution. Theses fees are standard in the industry so the focus remains on your best interests.

3. Save time with one-stop shopping:

It could take weeks for you to organize appointments with competing mortgage lenders - we know you would rather spend your time house hunting, working or playing! We spend our days communicating directly with dozens of lenders, and can quickly narrow down a list of those that suit your needs the best. It makes comparison shopping fast, easy and convenient.

4. We negotiate on your behalf:

Many people are uncertain or uncomfortable negotiating mortgages directly with their bank. Brokers negotiate mortgages each and every day on behalf of Canadian home buyers. You can count on our market knowledge to secure you the "Complete" mortgage package to meet your situation.

5. More choices to ensure the mortgage meets your needs:

We have access to a network of major lenders in Canada, so your options are extensive. In addition to traditional lenders, we also deal with credit unions, trust companies and private lenders.

6.Choose a professional service:

A professional Mortgage Broker is involved in all steps of the process as well as during the entire term of your mortgage.

We strive to ensure you are provided with all the information needed to make your mortgage decision as well as providing you updates on the changing market conditions. By keeping you abreast of market information we can ensure you continue to have the best option and if necessary capitalize on the current situation.





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Selling in a Slow Market


Selling a house in a slow real estate market can be difficult. In times like these, it’s not enough to simply list your home and wait you actually have to sell your home. Here are five tips from a real estate sales rep to get you started.

  • Know Your Market

    Learn your market, the value of your property and your competition. Most sellers operate in the dark, simply offering the property for the price they want, without regard to what other homes have sold for and are currently selling for. Undervaluing or overpricing your home can cost you tens of thousands of dollars.

  • Price Your Home Right

    With homes sales slowing and prices plunging, there’s little doubt that selling for a good price in today’s market is going to be tricky. So if you try to ask as much for your property as your neighbour got a year ago, you’re going to turn off potential buyers. Instead, price your home conservatively by looking at similar houses currently on the market. If you really want to stimulate a sale, you should under price your property by just a little. Trimming the price by a few thousand dollars can generate more foot traffic and create a buzz.

  • Make Your Home Presentable

    Keep your house looking good at all times, repair things that are broken, and replace things that are rundown. Add a fresh coat of paint (neutral colors best), freshen up landscaping, trim trees, clean up clutters and remove personal items, so that prospective buyers can picture themselves in the home rather than seeing you there.

  • Be Flexible with Showings

    It only takes one buyer to get your home sold. Don’t make your Realtor feel as though their request for a showing is an inconvenience.

  • Offer Flexible Terms

    Often, the best way to sell a home more quickly in a buyers market is to adjust the terms of the sale instead of the price. While it may sometimes be necessary to adjust the asking price downward, or to negotiate a lower price with the buyer, sometimes offering an extended closing date will go a lot further.

    (Source: Kevin Kittimer, Canwest News Service)

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