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New to Canada

Moving to Canada from a foreign country is life-changing, and we understand that.
 

One of the first things to figure out is where you will live when you arrive here. Many start out renting and then transition to home ownership once they are more settled and have a feel for the community they want to live in. Whether you have brought money with you; or are in the process of selling a property back home and plan to use those funds for your down payment, we can help you best position yourself to secure mortgage financing.

Fortunately, Canada is a country that tries to make things as easy as possible for people immigrating here that want to purchase a home. One of the challenges many people face is simply trying to sort through all the information online. It is often difficult to know if the information is current if it applies to you, and ultimately whether you uncover all available options.

We are here to help and make things easier for you and your family.

 THE BANK

While the bank may seem like a logical place to start when it comes to getting a mortgage, the reality is that you will be better off with a good mortgage broker in most cases.

Let's unpack the issues with the bank approach.The first issue being you will be dealing with a bank employee who has to know about all of the bank's services. This often translates to someone whose experience regarding mortgages is likely limited.

 

Banks specifically train their employees to sell products and services at pricing that makes the bank the most amount of money. The bank is a business that exists to make money first and foremost. The other disadvantage to choosing a bank over a broker is that the bank can only offer you the options and products they have available.

MORTGAGE BROKER

When you work with a Mortgage Broker, you are working with a provincially licensed individual with access to products and pricing from dozens of lenders. The broker approach is to do what is best for the client, not the financial institution.

 

When you search for a mortgage broker online, you will find no shortage of them. Some have fancy websites full of information and options, so much so that knowing what to focus on can be challenging and overwhelming.

 

It's always best to try and work with someone recommended by someone you know and trust whenever possible.

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WHY WORK WITH US ?

We give you our absolute word that of all the people you will connect with in your new country, you can trust us as we will take care of you like we would our own family. Almost all of our business are repeat clients and clients referred to us by those who have worked with us previously.

When you connect with us, it will not take long for you to feel at ease and feel safe to ask whatever questions you like. We will listen to what you want to do and then help you to accomplish it. We are never aggressive; you will never feel pressured to do anything. There are no documents you need to sign to work with us, and in most cases, you are not required to pay us anything, as mortgage brokers are typically paid by the lender offering the mortgage. If, for some reason, you need the type of financing where a fee is generally charged, we will share that information with you upfront before any expenses are incurred, and the price will be reasonable. We don't take advantage of anyone.

We are happy to welcome you to Canada and are only interested in making your integration into the country easier. If you need the names of realtors, insurance brokers, lawyers, accountants, or anything else, we are happy to connect you with people we know and trust.


We invite you to schedule a call with us as a starting point and look forward to hearing from you soon.

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