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Mortgage Broker in West Vancouver
Surrounded by greenery, mountains and ocean, and just minutes away from Downtown, West Vancouver is a dream place to live – so it’s no wonder a home here comes with a hefty price tag. With detached homes selling for an average price of 3 Million dollars, West Vancouver is one of the most expensive places to live in the Greater Vancouver Area.
In addition to increasing housing prices, the new mortgage rules launched in January 2018 have made it increasingly difficult for residents in West Vancouver 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.
West Vancouver Mortgage Broker Benefits
The top 4 benefits of working with a West Vancouver Mortgage Broker are:
- 1. It’s Free.
- 2. Get the best rates.
- 3. Access to many banks and lenders.
- 4. Paperwork and details are handled for you.
One of the best things about working with a Mortgage Broker in West Vancouver 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 West Vancouver!
Working with a West Vancouver Mortgage Broker is Free
Because they work to save you money, many people assume that you are required to pay a mortgage broker for their services. This is completely untrue. A Mortgage Broker is paid by the lender who provides your mortgage, but only once you’re approved!
Mortgage Brokers have a wide network of lenders and banks at their fingertips. Because of this, they are able to review mortgages from many different sources, securing you the best rate available.
Get Access to Top Tier Lenders
One of the best things about working with Mortgage Brokers in West Vancouver is that they are connected with lenders that are not accessible on the consumer level. Some lenders are able to offer extremely competitive rates by cutting down on their own overheads like brick and mortar storefronts, and only accepting qualified applicants through Mortgage Brokers.
Mortgages in West Vancouver are Easier
Getting a mortgage from application to funding requires a LOT of paperwork, and plenty of documents being passed back and forth. Fortunately, a West Vancouver Mortgage Broker handles all of these details behind the scenes, giving you one less thing to worry about.
West Vancouver Mortgage Broker Reviews
Our professional team of Mortgage Brokers only serve Vancouver and its surrounding areas like West Vancouver. That means we are extremely familiar with the real estate and lending trends in the area. You won’t find a better West Vancouver Mortgage Broker than us, just read the reviews!
Mortgage Broker in West Vancouver – Commercial Lending
Commercial loans in BC are usually perceived as more risky than residential loans, so securing financing for these types of projects can be difficult. Working with a West Van Mortgage Broker makes commercial financing easier as we can easily assist with commercial mortgages, construction loans and equipment leasing.
Getting a Commercial Mortgage in West Vancouver
Because of the complex nature of the loan, lenders for commercial mortgages tend to have very rigorous standards and extremely specific criteria that must be met. A Mortgage Broker in West Vancouver will be able to advise on exactly what steps you need to take in order to get approved for a commercial mortgage quickly and easily.
West Van Construction Loans
Building a new home requires a lot of capital, which most people do not just have on hand. A Mortgage Broker can help you get approved for a construction mortgage, which is given in portions as the building of your home progresses.
Equipment Leasing in West Vancouver
To grow a business it is very important to have enough up to date equipment. But purchasing brand new equipment every time technology changes is just not feasible for most companies. By choosing to lease, business owners have access to new, top of the line equipment, without having their bank account take a huge hit.
Mortgage Broker in West Vancouver – Residential Lending
If you’re planning on purchasing a home in West Vancouver, or even just making a change to an existing mortgage, it is highly recommended that you consult with a Mortgage Broker. Our Mortgage Experts can advise on how you can save money with residential mortgages, first time home buyers, investment properties, self-employed buyers, renewals, newcomers to Canada, and reverse mortgages.
West Van Homebuyers Save Money with a Mortgage Broker
A Mortgage Broker can help get you the best rate available by tapping into their large network of banks and lenders. If you’re in the market for a new home, the best thing you can do for your pocket book is to have a Mortgage Broker assist you with securing financing.
Self-Employed Borrowers in West Vancouver
Compared to traditional salaried employees, self-employed borrowers frequently face challenges when securing a mortgage. While difficulties may come up, it is not impossible! Working with a Mortgage Broker is your best bet for getting a self-employed mortgage approved.
First Time Buyers in West Vancouver
Did you know that first time home buyers in BC can save even more money by working with a Mortgage Broker? First time buyers are eligible for programs like the First Time Home Buyer’s Tax Credit, Land Transfer Tax Rebate, and the RRSP Home Buyer’s Plan – all of which our West Van Mortgage Brokers are well versed in.
Renewing Your Mortgage in West Vancouver
The perfect time to meet with a Mortgage Broker in West Vancouver is when your existing term is about to end. They can advise on whether you should sign on for another term, or if you’ll save money by moving your mortgage to another lender.
Refinancing in West Vancouver
In addition to consolidating debt, refinancing is an excellent way to take advantage of lower mortgage rates. If you’re interested in refinancing your West Vancouver home, a Mortgage Broker can advise on the best course of action to avoid fees and pre-payment penalties.
CHIP Reverse Mortgages
West Vancouver homeowners that are over the age of 55 can apply for the CHIP Reverse Mortgage. This program is fantastic for any retirees who would like to have more monthly disposable income, without having to downsize.
Interested in West Van Investment Properties?
Purchasing a rental property can be a fantastic investment, but securing financing can be tricky and frustrating. A West Vancouver Mortgage Broker will be able to help you meet the specified criteria required for getting a rental property mortgage approved.
West Van Mortgage Brokers Help Newcomers get Approved
Moving to a new country is exciting, but purchasing a home and securing a mortgage can be very stressful. For newcomers to Canada, working with a Mortgage Broker lifts a majority of that weight completely off your shoulders. Some lenders have special programs designed for newcomers to Canada, and having your Mortgage Broker connect you with one will increase your chances of getting approved.