请教高手关于mortgage的问题[寻找] [分享]
- 主题发起人 shuwazi
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No difference.
中国人BROKER不会因为你是同胞就给优惠，洋人也不会因为你是中国人就用HIGH RATE对付你，他们只是中介人。
BROKERS don't charge you, instead, the real lenders pay them a commission. Normally it's 0.5-0.75 of the mortgage amount.
You can try this one first. Years ago I got my mortgage from her. The rate and services are both good.
Po Krepski, Capital Mortgages
(613) 228-3888 ext. 223
中国人BROKER不会因为你是同胞就给优惠，洋人也不会因为你是中国人就用HIGH RATE对付你，他们只是中介人。
BROKERS don't charge you, instead, the real lenders pay them a commission. Normally it's 0.5-0.75 of the mortgage amount.
You can try this one first. Years ago I got my mortgage from her. The rate and services are both good.
Po Krepski, Capital Mortgages
(613) 228-3888 ext. 223
Highly recommend President's Choice Financial - kiosks in Loblaws and Superstore. It is basically CIBC - the discount branch. My last and existing mortgages are with PCF. Check it out yourself:
http://www.banking.pcfinancial.ca/a/rates/theUnbeatableMortgageRate.page
http://www.banking.pcfinancial.ca/a/rates/theUnbeatableMortgageRate.page
as a mortgage broker myself,
the rate we can get usually is a little lower than the bank can offer, simply because lenders don't have much overhead cost.
The real difference between mortgage brokers are the experience, because:
1) How to present the application to lender is important. Experience broker might know some small details lenders are looking for and hence got the approval faster.
2) Business network with lenders, if broker and lenders have a good relationship, approval can somehow easier, ( but the rate won't change too much )
Good luck for mortgage hunting, and its quite headache. Advantage of using a broker is to save time to visit each bank, and repeat yourself over and over again. 1 application can applied to most of the major lenders in Canada. If special cases, where bank cannot finance your mortgage. Broker has the ability to find you a deal(sometimes).
Anyway, keep this posting up. Lets hear your result from PCF.
the rate we can get usually is a little lower than the bank can offer, simply because lenders don't have much overhead cost.
The real difference between mortgage brokers are the experience, because:
1) How to present the application to lender is important. Experience broker might know some small details lenders are looking for and hence got the approval faster.
2) Business network with lenders, if broker and lenders have a good relationship, approval can somehow easier, ( but the rate won't change too much )
Good luck for mortgage hunting, and its quite headache. Advantage of using a broker is to save time to visit each bank, and repeat yourself over and over again. 1 application can applied to most of the major lenders in Canada. If special cases, where bank cannot finance your mortgage. Broker has the ability to find you a deal(sometimes).
Anyway, keep this posting up. Lets hear your result from PCF.
Since most lenders has a rate hold for 90 days, means from the day was approved, and onward 90 days, lender will give u the same rate as approved or lower. Therefore mickyc2 can enjoy the 5%.
Generally 5 year closed is about 5.2%, and some lender could get 5.1, and as low as 4.95% for 5 year closed, but the application must be very strong. Strong income, excellent credit history.
Generally 5 year closed is about 5.2%, and some lender could get 5.1, and as low as 4.95% for 5 year closed, but the application must be very strong. Strong income, excellent credit history.
