We know it as the quintessential Canadian dream. It represents our very own private domain; a place where we feel safe, we feel pride of ownership, a place where we live and love, laugh and cry, and raise our families. It is all of these things and more.
The ‘more’ is of course the financial aspect. Home ownership enables us to create wealth ’tax free’ through market appreciation which everyone clearly understands. However the building of wealth/equity is more so a result of how professionally managed our decisions to purchase, finance and pay this debt down/off over time.In truth, it is far more complex and wide ranging than just ‘buying’ a home, and ‘arranging’ a mortgage.
Choosing the property is one thing. Getting the most expert advice on financing options, products and privileges is equally if not even more important in creating your equity. In other words, if you do not do your homework, and you do not understand the consequences of selling before the mortgage term is up etc., then the end result will likely be significantly diminished, costing you tens of thousands of dollars.
When you use our services to buy your home, not only can we help you assemble the best team of professionals to assist you, but you are assured of receiving the best mortgage rate, product and service tailored to you needs. We make sure that the lender we recommend to you has the most flexible mortgage product, and most favourable penalty privileges, and has great customer service. You cannot get such a value proposition from the Banks as it is not in ‘their’ best interests to do so because of their profit motives.
As mortgage brokers, we have no such ‘profit’ motivations as we are generally compensated in equal fashion by the lender regardless of product. Our desire is to satisfy you with our superior expertise, advice, and service such that you will not hesitate to select us again and/or recommend or refer others to us. We do our absolute utmost to help you build your wealth wisely and successfully.
So when we meet people who ask ‘Why are you any different or better than the Bank’, when we finish answering the question, and they fully understand ‘Why’, then it becomes ‘Why not?’ Hence our motto, “We Don’t Just Do Mortgages, We Change Lives”.