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Home Buyers Guide


We are not just another mortgage company!

We are here to assist your in the best possible way by providing "Hands on Service"!

When you have any financing related questions, we are here to help!

Mortgage Intelligence puts the information you need in your hands

 

Home Buyers Guide

Absolutely everything you need to know about buying a home in this 24 chapter guide!

 

To obtain your FREE copy of the full Home Buyers Guide fill out this form below

First Name
Last Name
Email
City & Province

 

Home Buyers Guide Table of Contents

Introduction - For most people, buying a home is the largest financial decision they will make in their lifetime
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
Purchase Plus Improvements - Does you new home require some upgrades? Add the cost to your mortgage before you move in..
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..
Closing Cost Worksheet
Glossary of terms
Moving check list
Mortgage qualifier - quick application
Fax cover sheet

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

 

 

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866-544-4001

 

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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
 

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

© Copyright 2002-2009 SunCoast Consultants Inc. All Rights Reserved.

® Registered trademark of Mortgage Intelligence Inc. © Copyright 2009, Mortgage Intelligence Inc. All rights reserved.

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