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Using a Mortgage Canada Broker or a Canada Mortgage Consultant…

Whether you are ready to buy a new home, need to do a Canada home debt refinance loan, obtain a Canada consolidation debt loan or just wish to lower your mortgage Canada loan payments it is important to know how a mortgage Canada broker - Canada mortgage consultant - can assist you.

You may ask why use one anyway?
The simple answer is that a mortgage Canada broker - Canada Mortgage Consultant - will represent you and present your mortgage Canada loan application to the best Canada mortgage lender that is willing to give you the lowest best rate Canada mortgage. A Canada mortgage broker's first interest is getting you the mortgage Canada loan that is in your best interests. This is an important distinction when compared to a bank loans manager who serves the best interests of his Canadian bank - and not yours.

How does it work with a mortgage Canada broker - Canada mortgage consultant anyway?
Well, your mortgage Canada broker - Canada mortgage consultant - will use automated computer systems that scan all major Canada mortgage lenders for best rates and special discounts, then that same Canada mortgage specialist will match the best terms and mortgage Canada contract provisions with your own unique needs. Your mortgage Canada broker - Canada mortgage consultant - also has millions of dollars of available private mortgage Canada funds - from private mortgage Canadian lenders - to help find you the best private mortgage Canada loan situation. It is the personal advice from a mortgage Canada broker - Canada mortgage consultant - that makes a real difference. It may even make the difference of getting a Canada mortgage loan or not. Sometimes, when one is in the worse financial situation possible it is only a mortgage Canada broker - Canada mortgage consultant - that can find you a mortgage Canada loan at all! We are truly Canadian mortgage specialists when finding you the very best mortgage lender in Canada.

Imagine that you are in a room with a trusted friend who cares about you and your family and has a great knowledge about mortgage Canada loans with all the very best Canadian mortgage lenders - with the sole purpose of finding you the lowest mortgage rate Canada lender.
Now, imagine others entering the room that are mortgage Canada loan representatives from the entire major mortgage lenders in Canada. They are there to consider your mortgage Canada application. One by one they bid on your Canada home equity loan or debt consolidation Canada loan. Your friend continues to encourage them to improve their mortgage Canada rates and Canada mortgage terms. Those who come up with the most attractive rates then begin to explain what is special about their mortgage Canada loans. After carefully considering what terms and options are important to you, and keeping in mind the best mortgage rates from the Canadian mortgage lenders, your friend will help you choose the very best mortgage Canada lender that is best suited just for you. The experience is friendly and quick. Your 'friend' is your mortgage Canada broker - Canada mortgage consultant - in the room who is there to ask the right questions and to negotiate the lowest mortgage rate Canada deal for you.

For most conventional residential Canada mortgages where a client’s credit rating is at least ‘average to good’ there is no fee charged to you.
It depends on the level of difficulty in arranging a mortgage Canada home loan or Canada debt loan in which a mortgage product is used. Your personal mortgage Canada broker - Canada mortgage consultant - will either arrange for a new 1st residential mortgage Canada refinance loan or just add on a Second mortgage Canada loan - for paying off your numerous creditors. If your credit is changing for the worse, a fee is charged because it is harder to find a suitable deal with either a Canadian private lender or institutional Canada lender. Of course, if you have good credit, and the deal is simple, then there is little reason to charge a fee to you. This is possible because the mortgage Canada broker - Canada mortgage consultant - earns a referral fee paid by the private mortgage Canada lender. Such referral fees are quite standardized among Canadian mortgage lenders.

In specialty mortgage Canada loans, we act as your personal Canada mortgage specialist advisor, in giving advice for a commercial mortgage Canada loan, Canada private mortgage placement, mortgage Canada second or Canada second mortgage loan, Canada equity home loan or Canada debt loan. In these cases lender or broker fees may be charged. Any fee is disclosed and discussed before any work is commenced by the mortgage Canada broker - Canada mortgage consultant.

As your mortgage Canada brokers - Canada mortgage consultants - we have access to every - lowest rate - best mortgage lender in Canada.
This competitive network of Canada lenders breed lower rates on mortgages, which means big savings for you. We help you obtain an approval for your mortgage Canada application. And to do that we bring a thorough understanding of lending guidelines and practices to our role as your personal mortgage Canada broker - Canada mortgage consultant. Did you know that Canadian banks have personality traits - conservative or aggressive, thoughtful or impulsive, complex or simple? It is true. Having knowledge of Canada lender traits enables us to bring the best Canada mortgage lender to you.

We, as a true Canada mortgage specialist, have access to special lending programs that will provide further mortgage Canada discounts beyond best-posted rates.
This is because Canadian Banks, Canadian Trust companies, and Canadian Credit Unions have their best Canada mortgage rate sale and rate specials that change frequently and advise us first. They want us to submit our mortgage Canada loan business to them first. We say ‘true’ Canada mortgage specialist because we represent not just one lender but represent dozens of Canada mortgage lenders (how can a mortgage loan employee of just ONE bank tout herself to be a ‘Canada mortgage specialist’ when she only recommends her own bank (employer)?) . Whereas we have to know them all - not just one! It is important to realize that all mortgage Canada deals are not created equal. Just because the mortgage Canada interest rate may be the same it doesn't mean it is the same mortgage Canada document. For example, we will explore what you want in a Canada mortgage. Short or long term, payment frequency, early payout, principal reductions and payment increases. Remember a Canada mortgage lender can offer different mortgage Canada interest rates but from only from one lending source - their own. We, as a true Canada mortgage specialist have access to all major Canada mortgage lenders.

One application means only one credit check.
This is important. We ask you to use our ‘Ask a Consultant’ feature on our homepage. It is free and very helpful. Our mortgage Canada brokers - Canada mortgage consultants - will talk to you before any credit check is done. We do this - to save you time - but also to reduce the number of inquires on your credit report - because the larger the number of inquires means the lower your beacon score goes! This is not a good thing - ‘low is bad‘. So this raises another very important point in using a mortgage Canada broker - Canada mortgage consultant. Without one, when you walk into various Canadian mortgage lenders to apply for a Canada mortgage approval on your own all these Canadian mortgage lenders will check your credit report! Did you realize that if you apply at multiple financial institutions for a mortgage Canada loan they ALL check your credit and this would have a negative effect on your credit beacon score? A poor credit score will mean the difference of obtaining a good interest rate with best mortgage Canada lender. The mortgage Canada lender may or may not offer their best-posted rate based on your credit score. That could cost you many hundreds - and maybe even thousands - of dollars over the term of your mortgage Canada loan. Thankfully, when you use a mortgage Canada broker - Canada mortgage consultant - there is only ONE credit check and this one report is used for shopping for the best Canada mortgage lender. Most Canada mortgages can be first arranged with a phone call. As your personal Canada mortgage brokers - Canada mortgage consultants - we work for you, not the banks. We will arrange your mortgage Canada loan application in the most presentable manner possible to find you to the best Canadian mortgage lenders. We will argue your cause and fight to get you the lowest mortgage rate Canada loan - the very best rate mortgage Canada deal - which is always better than any of the 'best-posted' rates you'll see anywhere.

As Canada mortgage brokers - Canada mortgage consultants - we are not your typical 'suit and tie' that makes you feel uncomfortable while staring at you across an imposing desk. We are online and ready to help you find the lowest mortgage rate Canada deal out there! Call us or send an email to us. Today.

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