Mortgage Intelligence's - SunCoast Team: 14 reasons why you should use our team

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14 reasons why you should use our team

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14 reasons why you should use our team

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Make a mortgage broker part of your financial plan

For most Canadians, buying a home is the largest financial decision they will make in their lifetime. Yet, consumers across the country are more likely to painstakingly review dozens of investment possibilities for their portfolios than to scrutinize their mortgage choices.

The mortgage world � like the investment world � can sometimes be confusing. There is a vast array of choices � open, closed, fixed, floating, long or short amortization, prepayment options, portability� and of course, the rate itself. Making the right mortgage decision can have a huge financial impact over the long term.

Many Canadians have an investment advisor to help them sort through their choices. Now, Canadians are also beginning to turn to mortgage brokers to help them make better mortgage decisions. Canadians are just now catching up with their counterparts south of the border, where mortgage brokers already arrange approximately 70 per cent of mortgages for U.S. properties.

So what is a mortgage broker? The role of a mortgage broker is to understand your mortgage needs, seek out the best options for your situation, and guide you through the lending process. A mortgage broker does not work for any individual institution or lender, but is independent, and has up-to-the-minute loan rates for a wide array of banks and other lending institutions.

There was a time when the banks exercised the view that they �owned� their customers, and mortgage brokers were perceived only as a last resort for home buyers with poor credit history. But times have changed, and home buyers in every bracket are learning they can benefit from the professional advice of a mortgage broker.

A good investment advisor can make you thousands of dollars. But a good mortgage broker will SAVE you thousands of dollars. Whether you are buying a home or renewing a mortgage, consider making a mortgage broker part of your financial plan this year.

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Before you make what is likely to be the biggest financial decision of your life, call us at 866-544-4001 or email Justin Christie or Keith Walper

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 or Keith Walper at 519-238-HOME(4663) or toll free at 1-866-544-4001.

* Subject to certain guidelines

Rates

Rates as of 12-Mar-2010
Term	Bank Posted Rates	Our Best Rates*
6mth	4.60%	3.85%
1 yr	3.65%	2.49%
2 yr	3.95%	2.95%
3 yr	4.30%	3.40%
4 yr	5.04%	3.69%
5 yr	5.39%	3.69%*
7 yr	6.60%	4.95%
10 yr	6.70%	5.20%
variable rates-ask for details
*30 day quick close special

Call Us Toll Free

866-544-4001

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..

30-35 year amortizations - extended amortizations

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

HO Address: 5770 Hurontario Street, Suite 600, Mississauga, Ontario, L5R 3G5

Mortgage Intelligence FSCO licence # 10428 | Justin Christie FSCO licence # M08001295 | Keith Walper FSCO licence # M08001748