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 Our goal is to exceed your expectations. We want to be your only source for a mortgage in Canada.

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Debt Consolidation

Poor Credit

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Rate Watch

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Through email we will keep you updated with the latest rates.  Just enter your email address in the form below.

 

 

Refinance

Canadians pay a shocking amount of money to service debt. Whether it’s credit card debt, renovation loans, or the bill you got from the tax man… it all adds up.

Dust away the cobwebs and take a close look at what you’re paying on your debt. With today’s historic low mortgage rates, there’s never been a better time to roll your debts into a new or existing mortgage. A record number of Canadians are re-negotiating their mortgages to consolidate their other debts at rock-bottom rates.

The benefits are immediate and long-lasting: fewer payments, better cash flow, and potentially big savings on interest charges.

We would be happy to provide you with an analysis that will allow you to review your options.  Call us at 866-544-4001 or, if you prefer, simply complete an online application.

 

 

Zero Down payment

With access to multiple lenders that offer a variety of 100% financing options. Call us at 866-544-4001 or complete an online application

 

 

Poor Credit

If you have been turned down by your financial institution due to derogatory credit, collections, bad credit, bankruptcy, consumer proposal

or late payments, .... Call us at 866-544-4001 or apply online to see would mortgage options could be available to you.*

 

We have access to many alternative lenders that are more lenient in their mortgage guidelines.

 

 

Cottage Mortgages

New: 100% financing on secondary homes/vacation homes*

 

 

Extended Amortization

30 year amortization*

 

This provides borrowers with lower monthly mortgage payments. Call us at 866-544-4001 to see if this would be to your advantage.

Unique Mortgage products

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Business for Self - Your word is all it takes. Self-employed? Get the mortgage you want quickly and easily.* 

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Vacation Home Mortgages- For the first time in Canada, fast and easy recreation property mortgages, with as little as no down.* 

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100% Financing - a no-down payment mortgage that can get you the home you want.*

including many more unique mortgage products

Rates as of 20-Apr-2012
Term Bank Posted Rates Our Best Rates*
6mth 4.45% 4.40%
1 yr 3.20% 2.75%
2 yr 3.55% 3.09%
3 yr 3.95% 3.19%
4 yr 4.64% 3.25%
5 yr 5.44% 3.29%
7 yr 6.35% 3.99%
10 yr 6.75% 4.69%

variable rates-ask for details

Free Information

Home Buyers Guide

Moving Checklist

6 need to know first time home buyer facts

10 reasons why you should use a mortgage broker

14 reasons why you should use our team

Don't make these common home buying mistakes

 

Call Us Toll Free

866-544-4001

 

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Some lenders we have dealt with

Accredited Home Lenders

AGF Trust

Bridgewater Bank

Concentra Financial

Desjardins Credit Union

Equitable Trust Company

FirstLine Mortgages

First National Financial

Gibraltar Mortgage Ltd.

GMAC RFC

Home Trust Company

Interbay Funding Corp.

HSBC Bank of Canada

ING Mortgage Broker Services

Laurentian Bank

Maple Trust

MCAP Mortgage corp.

MoneyConnect Home Lending

Mortgage Point Financial

National Bank of Canada

N-Brook

ResMor Trust Company

Scotia Express (Scotiabank)

TD Canada Trust

Wells Fargo Financial

Xceed Mortgage corp.

 

 

 

Mortgage Details

Pre-qualification - Having the right documents in place will speed up the process
Mortgage options - The mortgage you choose will form the foundation of you financial stability
Down payment - Homebuyers today have more choice than ever before in terms of what they can use for a down payment.
LTT refund & GST New housing rebate - Land Transfer tax refund - First time home buyers may be eligible for a  land transfer tax refund. GST New Housing rebate is also available (not just for first time buyers).
RRSP Program - Home Buyers' Plan (HBP) - You can withdraw RRSP money 'tax free' provided you buy or build a qualifying home
Mortgage Types - Arranging to pay for that home is one of the most important financial decisions you will ever make
Average 5-year Mortgage rate - How do 5-year rates compare since 1981
Payment Tables
Repayment options - How you pay your mortgage has a dramatic effect on the amount of interest you pay..
Closing the deal - There are costs involved in every real estate transaction.. be prepared for all the extras..
30 year amortization - extended amortization

 

 

Information

Related Links

 

 

 

As agents for Mortgage Intelligence, our job is to shop the mortgage market for you, alleviating the time consuming process and frustration associated with finding that mortgage. Since we are not affiliated with any one lender, we can be completely unbiased in recommending mortgages from a variety of different sources. We shop every available lender to make sure you get the most attractive rate and features. And best of all, our professional advice and assistance is free!*  Whether you are thinking of a residence, a vacation home or investment property, or using your mortgage to consolidate your debt or finance your home renovation, we have a collection of intelligent mortgage options that can meet your specific needs.  With access to over 50 lenders in Canada we are sure to find the best possible product for you.*

 

What we do as a mortgage broker?

  • First time home buyers

  • First and second mortgages 

  • Refinancing 

  • Renewals and switches

  • Debt consolidation

  • Equity take out

  • Provide you with the appropriate knowledge and professional guidance

  • Negotiating with many lenders on your behalf, we will find a mortgage that has been tailored to fit your exact needs

  • commercial

What is the benefit to you?

  • Save money on your mortgage, with extremely low interest rates

  • Our service is free to you, as a qualified borrower

  • We have access to over 50 competing lenders

  • It all comes down to you and your satisfaction

  • We work for you!

Why should you use a mortgage broker?

 

The Mortgage Agent's Role

Working with you, we will take the time to understand your mortgage needs and help you make better mortgage decisions for you home, revenue or vacation property or specialized mortgage requirements. Our advice initially and on an ongoing basis can have a huge financial impact over the long term

 

Negotiating strength with over 50 lenders

With access to over 50 bank, trust, life insurance companies and other lenders, you'll benefit from significant choice plus our proven ability to effectively negotiate

 

Trust and Security

Your mortgage, in most cases will come from a brand-name bank, trust or insurance company and, with Mortgage Intelligence as the largest mortgage brokerage firm in Canada, therein lies even more security. You can rest assured that your interest are protected

 

Independence and Objectivity

We work are as an independent, accredited professional through Mortgage Intelligence. We will objectively negotiate on your behalf

 

Experience and Credentials

With experience and an in-depth knowledge of a myriad of lending institutions and their products, we guarantee you the highest standards and level of professionalism as approved by the Canadian Association of Accredited Mortgage Professionals (CAAMP)

 

A Focused Specialist

We are responsible for arranging mortgage - and nothing else. You can trust us with every aspect of your mortgage financing needs

 

Accountability

As an independent broker, we are accountable only to you. If you choose not to accept the recommendations or the products discussed, you are under no obligation to place your mortgage through us. Now you can't get more accountable than that!

 

Great Rates...and More

We all know you want the best rate. Of course, there is much more to great mortgage value, like terms, conditions, and annual principal pay downs for example - and we will certainly pay attention to all those equally important details for you when negotiating a mortgage on your behalf. Essentially, we will bring you a top-notch network of lenders and products, so you get the best rate and product for your unique situation.

 

No Cost to you

This has often been and area of confusion for first-time homebuyers/clients. Our services really do come at no cost to you!* Paid entirely by the lending institution that your mortgage is secured with, we receive a fee from the lender

 

Personal Service

In most cases, our business has been built on referrals by satisfied clients. After all, every good business grows from exceptional, and sincere, customer service.

 

Your First Choice, not the last choice

Everyone seeking a mortgage can benefit from the better mortgage decisions that come with the experience, objectivity, convenience and service that we can deliver.

Top

To maximize the benefits to you, you may want to consider enlisting the services of a  Mortgage Intelligence agent.  We negotiate with major financial institutions, chartered banks, trust and insurance companies, Canada Mortgage and Housing Corporation, Genworth and others to bring our clients the most competitive mortgage rates and terms.  Mortgage Intelligence will usually earn a commission or fee from the lender* for all the work, advertising and promotion done on their behalf.  Our professional services are provided, in most cases, at no cost to you.  We are constantly updated on rate changes and new products being introduced in the market.  As our client, you can choose from the widest range of options, obtain the most competitive rate and best product suited to your specific needs.  An extensive network of financial institutions has enabled many of our clients to obtain savings of up to 1.40% below posted lender rates.

For more information or a free consultation - Please contact Justin Christie at 519-238-HOME(4663) or toll free at 1-866-544-4001

* Subject to certain guidelines

 

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*Rates/product subject to purchaser/property qualification and change without notice. E&OE. OAC.
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