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Mortgage Broker in Maple Ridge
Maple Ridge is a pleasant community of just over 80 000 residents across 267 km2. The city sits just above the Fraser River and has breathtaking views of the Golden Ears and Coast mountains all year round. While Maple Ridge has all the amenities you should need, getting to downtown Vancouver is only 45 minutes away by car.
In addition to high housing prices, the new mortgage rules launched in January 2018 have made it increasingly difficult for residents in Maple Ridge to secure a Mortgage. Working with a Mortgage Broker is the absolute best way to maximize your chances of getting approved, and secure the most affordable mortgage for your budget.
Maple Ridge Mortgage Broker Benefits
The top benefits of working with a Mortgage Broker in Maple Ridge are:
- 1. There is no cost
- 2. Get the best rate available
- 3. Access to many lenders and banks
- 4. Paperwork is handled on your behalf
- 5. You’ll be guided through the entire process
One of the best things about working with a Mortgage Broker in Maple Ridge is that they save you money! A Mortgage Broker works for you (not the lender), and their goal is to connect you with a lender who has the most suitable mortgage for your needs and will save you the most money.
Vancouver Mortgage is now serving Maple Ridge!
The Services are Free
A common misconception about Maple Ridge Mortgage Brokers is that you are required to pay for their services. This is not the case! Although a Mortgage Broker works for you, their fee is paid by the lender, and only once your mortgage is approved and financed.
Get the Best Rates
Mortgage Brokers in Maple Ridge have access to many different rates because they work with so many lenders. This gives you the best chance of securing the lowest rate, compared to stopping by your local bank branch, which only offers its own mortgages and rates.
Access to Many Lenders
Something great about Maple Ridge Mortgage Brokers is that they have a massive network of banks and lenders at their fingertips. By working with them, you gain access to lenders who cannot be reached at the consumer level.
They will Guide You Through the Process
When you’re making a huge financial purchase, like a new home in Maple Ridge, it’s important to know exactly what you’re signing up for. A Mortgage Broker will walk you through all the ins and outs of your mortgage so you are 100% clear on the mortgage process.
Paperwork is Handled
The amount of paperwork and documentation that gets sent back and forth during the mortgage process is very overwhelming and time consuming! A Mortgage Broker takes this work completely off your hands. They know exactly what information to collect from you, who it needs to go to, and can submit it all on your behalf.
Mortgage Broker Maple Ridge Reviews
Our professional team of Mortgage Brokers only serve Vancouver and its surrounding areas like Maple Ridge. That means our Brokers are extremely familiar with the city’s real estate and lending trends. You won’t find a better Mortgage Broker in Maple Ridge than us – read the reviews here!
Mortgage Broker Maple Ridge: Residential Services
Moving is very stressful, but getting a mortgage for your new home in Maple Ridge doesn’t have to be! An experienced Mortgage Broker makes the entire process as smooth as possible. Our experienced Brokers can help with residential mortgages, first time home buyers, investment properties, self-employed buyers, refinancing, reverse mortgages, renewals, and newcomers to Canada.
Residential Mortgages in Maple Ridge
Because they have the ability to tap into their large network of lenders and banks, a Maple Ridge Mortgage Broker can help you get the best rate possible for a residential mortgage. If you’re in the market for a new home, one of the first steps to take is speaking with a Mortgage Broker about your options.
Buying Your First Home in Maple Ridge with a Broker
Did you know you could save thousands of dollars if you’re a first time home buyer in Maple Ridge? Our Mortgage Brokers are well versed in the RRSP Home Buyer’s Plan, Land Transfer Tax Rebates and the First Time Home Buyer’s Tax Credit – ensuring that none of your hard earned money gets left on the table! Learn more about mortgages for first time home buyers here!
Secure Maple Ridge Rental Property
While it’s an excellent source of extra income, receiving financing for an investment property in BC is often quite challenging. This type of mortgage tends to come with catches and requirements (some lenders will only approve the funding if you will be living in one of the rental suites!) A Mortgage Broker can help connect you with the perfect lender who will work with your specific situation.
Self-Employed Mortgages in Maple Ridge
Compared to salaried employees, self-employed borrowers often have challenges securing mortgages. This is due to their income and its sustainability being harder for the lender to verify. Mortgage Brokers have access to many lenders, some of which routinely work with self-employed mortgage products, greatly increasing your chance of approval.
Refinancing in Maple Ridge
The key reasons to refinance a mortgage are to consolidate debt, access equity or take advantage of lower interest rates. If you’re interested in pursuing any of these, a Mortgage Broker in Maple Ridge can help guide you through the process and advise on how to avoid possible fees and pre-payment penalties.
If your mortgage term is almost ending or if you’ve already received a mortgage renewal notice, don’t sign it! This is the perfect time for you to review your current mortgage and have a Mortgage Broker research possible better options. Since the time of signing your existing mortgage, you may now be eligible for a better rate with a different lender.
CHIP Reverse Mortgages in Maple Ridge
More and more homeowners over the age of 55 are taking advantage of the CHIP Reverse Mortgage. The best part of this program is that the funds are tax free, and you are able to spend the money on anything you like!
Mortgage Brokers in Maple Ridge Assist Newcomers to Canada
Buying a home is extremely stressful, even more so if you are coming from a different country. If you’re a newcomer to Canada a Mortgage Broker can make the process of getting a mortgage much easier by connecting you with a lender who has special programs in place for buyers that are new to Canada.
Mortgage Broker Maple Ridge: Commercial Services
Commercial financing can be complex and difficult to get approved because lenders often view companies as riskier to lend to than individuals. Our experienced Maple Ridge Mortgage Brokers can confidently assist with commercial mortgages, construction mortgages, and leasing equipment.
Getting Approved for a Maple Ridge Commercial Mortgage
To get a commercial mortgage approved, the borrower must prove that they are up to the lender’s extremely high standards. Our Mortgage Brokers know exactly what lenders are looking for, and can help you get approved much quicker than would be possible on your own.
Home Building in Maple Ridge
While mortgages are typically associated with already existing homes, mortgages can also be taken out to build a new home. Instead of receiving a lump sum of money, a construction mortgage in BC is given in separate draws. Each draw is only given once an inspector has confirmed the build is meeting policy guidelines.
Maple Ridge Equipment Leasing
Purchasing new equipment is very expensive and can cause financial hardship for small business owners. Instead of having to choose between up to date equipment to help their business grow or savings in the bank – business owners have the option of leasing equipment. Leasing allows business owners to have up to date equipment for growing their company, without facing a large financial strain.