Hire the Best Mortage Broker near me today.
How Local Heroes works
Answer a few Questions
about your mortgage needs
Connect with available
Mortgage brokers near you
Select your broker and
get your home financed!
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Mortgage Brokers near me
Many of you are currently shopping for a new house, condo or studio these days. You are now aware how stressful and complicated the financing process can be. We have decided to make it easier to find the best mortgage broker for you. You simply have to answer a few questions and we’ll take care of the introducing you to the best of the best.
If you have already used a mortgage broker, you already know that you can meet with the mortgage agent or broker in-person and discuss your needs and they in return will get you the best deal with major lenders in Canada. It’s that simple. Let’s get started!
What kind of home are you considering moving in?
If you’re looking to move, whether you’re looking at a House, Studio, Condo or Townhouse, there’s a good chance a mortgage broker can give you a hand. These two make it very easy to find an affordable home close to your workplace. If you’re alone, a good choice is to look for a roomy studio. They can provide very practical lifestyles.
What type of mortgage are you looking for?
It’s important to know if you’re simply refinancing your current home, buying your first place or pre-qualifying before house-hunting. This will make a huge difference when it comes to qualifying and you should see proper counsel before proceeding on your own. You can also ask your mortgage broker about switching or transferring institution to get better rates, terms & service.
What’s your down payment?
This is a great influencer in the mortgage world. You should think carefully before deciding the cash down amount in the transaction. A larger cash down will reduce your monthly payment. On the other hand, you could take advantage of the low interest rate we have these days and invest your money in renovation instead. This is precisely why you need help from a mortgage broker!
Is this your first home?
Are you looking for your first home? Feels good doesn’t it? But it’s also a lot of stress because you don’t want to make mistakes. Narrowing down on a home is hard, the market is big and good properties go fast. To speed things up, we suggest you pre-qualify with a mortgage broker so you can move fast when the good deal passes by.
Do you currently own a home?
You might be looking to transfer your mortgage or re-finance your home with the same lender. A mortgage broker can guide you through this process as well and make sure you don’t pay penalties and get the best deal and interest rate.
Are you looking for a Variable of Fixed mortgage rate?
The market is moving fast, and so are the rates. Which one should you pick? Well, it depends on a few factors. Discuss with your significant other if you’ll be staying in this place for a while. This will impact the amount of flexibility you’ll need when moving time comes. You might want to get a short-term, flexible rate if you’re not sure you want to stay for a while. On the other hand, a fixed rate can give you more security but can sometimes carry cancellation penalties.
How much can you afford?
This is the most important question you need to answer before setting your eyes on that 2-story penthouse downtown before realizing you can’t afford it. The cost of living is fairly expensive vs. Canada’s average so the mortgage broker will help you consider other expenses. Housing costs such as taxes & utilities add up. Your salary and your debt load will have a great influence on the amount you’ll be able to borrow.
Get started by filling the form above, it’s free!
Happy house hunting!