CURRENT RATES

5 Year Mortgage Rates
Term TypeRatePromo & Info
5 YearFixed (standard)2.49%
5 YearFixed (promo)2.29%-*call for restrictions
-High Ratio Only
-Meet property guidelines
5 YearFixed (promo)2.49% & -Condo Doc Review, Reimbursement $500 *call
5 YearVariable (promo)2.10%
* Subject to change without notice *OAC *Some Underwriting Restrictions Apply
Our Mortgage Rates
TermTypeRate
2 YearFixed2.19%
3 YearFixed2.29%
4 YearFixed2.39%**High Ratio Only
5 YearFixed2.29%**restricted, call for details
6 YearFixed2.99%
7 YearFixed2.99%
10 YearFixed3.54%

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Five Tips for Choosing a Knowledgeable Mortgage Broker

February 11, 2015 | Posted by Nathan Zacharias | Tagged in

Finding a knowledgeable mortgage broker is very important. The job of a mortgage broker is to act as a bridge between you and the lending institution you use to finance your home.

The Right Broker

By working with an educated broker, you will no doubt save valuable time and money. The key is to find someone you can trust, who knows the industry inside and out, and who will go above and beyond to ensure you receive the best mortgage package to fit your needs.

1. Figure out what you want
Before choosing a mortgage broker, you should understand your own needs. What are you looking for? Are you looking to purchase your first home? Are you looking to take on a financing for your rental property to complete renovations for your tenants? Knowing exactly what you want will help you narrow down who the right person, or company, will be for you to work with.

2. Research potential brokers online
The real-estate market in Alberta is flush with brokerage firms. A simple Google search will allow you to see which ones are highly recommended, which ones have the best reputations, and which ones you should avoid.

3. Discover relationships
Does the broker have a relationship with different lenders? Can they offer a myriad of products from several lenders, or is their range limited? You should work with a broker who is trusted by several lenders so they can offer you a series of options.

4. Ask questions
Experienced brokers know what information to seek in order to expedite your approval process, so don’t be shy to ask them anything and everything.

Here are a few helpful things to ask potential brokers:

  • What products do you offer and which lenders do you work with?
  • Why are you endorsing this particular mortgage?
  • Do you have references and do you mind if I contact them?
  • What documents will I need to provide?
  • What is your commission/how are you compensated?
  • How long will it take to process my application?
  • How long have you been working in this field?

5. Take your time
Finding a mortgage broker you click with and who meets your needs is important. Don’t rush into anything that takes you out of your economic comfort zone. A mortgage is one of the most important financial undertakings you will deal with in your lifetime. If you feel like a broker you are meeting with is telling you exactly what you want to hear, but is not offering any deals or pertinent information, do not feel pressured to work with them.