We will identify your short and long term goals and we will create a mortgage financial strategy that's in line with those goals Most lenders or those that do what I do are what we call transactional. They take your application, set you up in a mortgage and let you go. And that’s probably the experience of most borrowers because in all honesty they don’t know any different. When you purchase a home you are taking on probably the largest financial obligation of your life. You need to give it the attention it deserves or it will cost you. It probably won’t kill you but you work hard for your money so let’s look after it. We, and this included myself, will spend more time and energy researching the purchase of a TV. That’s a $1000 purchase that will probably be replaced in 5ish years. That makes no sense when you compare the efforts people put into their mortgage. Majority of borrowers focus on rate. Don’t get me wrong rate is important but it’s just a piece of the puzzle. Sometimes the best rate comes with conditions or restrictions that may not be in your best interest. When you see that low advertised rate look at it cautiously and read the fine print. Quite often you figure out that that ‘rate’ did not apply to you for whatever reason. I’m in my 50’s and trust me I’ve learnt a lot over the years. Not just as a mortgage broker but also as a home buyer, both with my personal residences and investment properties. I pass that knowledge and experience onto my clients so they are educated and when you are educated you can make informed decisions. I’m going to ask you a lot of questions. We are going to look at your short and long term goals and then we are going to create a mortgage financial strategy that’s in line with those goals. I would caution you from taking advice from someone who doesn’t have the pedigree to give that advice. That could be expensive. Buying a home or working as a teller at a bank 10 years ago does not make you an expert. Please do yourself a favour and seek out the advice of an expert. I will commit to helping you manage that debt and it goes beyond just setting you up in a mortgage. I also commit to be there anytime you have a question. We will do an annual mortgage review, just to make sure that the mortgage financial strategy we put you in before remains in line with those short and long-term goals. Where you were one, two or three years ago may not be where you are today. Life happens and if life happens, do we need to make an adjustment? Do you have a timeline to be mortgage free? If so, we will structure your mortgage to get you there with a healthy balance of eliminating debt and living life. So, if you are a first time home buyer, experienced, looking to refinance, debt consolidation or interested in building a real estate portfolio, or just want a free no obligation consultation, please call, text or email
Thank you,
Sean
