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Working with a Mortgage Broker in Whistler
Although Whistler is most well known for being a ski town, it is a fantastic place to call home all year long. With an award winning pedestrian village, Whistler residents enjoy ski sports in the winter, and mountain biking and hiking in the summer.
In addition to high housing prices, the new mortgage rules launched in January 2018 have made it increasingly difficult for residents in Whistler 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.
Mortgage Broker in Whistler Benefits
The top benefits of working with a Whistler Mortgage Broker are:
- 1. It’s Free
- 2. Secure the Best Rate
- 3. Access to Many Lenders
- 4. Paperwork & Details Handled for You
The best part about working with a Whistler Mortgage Broker 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 Whistler!
Whistler Mortgage Brokers are Free
Although Mortgage Brokers in Whistler work directly for you, you don’t have to pay them a fee. They get paid by the lender, but only once your mortgage is approved and you receive funding.
Get a Great Rate
While your local bank offers mortgages, they can only off their own rates. This doesn’t give you a lot of options to choose from. When you work with a Mortgage Broker, you have the benefit of getting access to mortgages from a wide range of lenders, ensuring that you get the best rate available.
Access to the Best Lenders
Because there is no one size fits all mortgage, it is in your best interest to shop around. A Mortgage Broker will do all this shopping for you, comparing mortgages from banks and lenders (some of which are not even available on a consumer level!) to find you the best mortgage for your budget and situation.
Whistler Mortgage Brokers Simplify the Mortgage Process
Purchasing a new home can be one of the most stressful times in a person’s life. A Mortgage Broker will guide you through the entire process, and handle the associated paperwork on your behalf, taking all that weight completely off of your shoulders.
Mortgage Broker Whistler Reviews
Our Mortgage Experts only serve Vancouver and its surrounding areas like Whistler. That means we are extremely familiar with Whistler’s real estate and lending trends. You won’t find a better Mortgage Broker than us, just read the reviews!
Whistler Mortgage Broker Residential Services
The quickest way to secure a residential loan is by working with an experienced Whistler Mortgage Broker. Our Mortgage Brokers can confidently assist with residential mortgages, first time home buyers, self-employed borrowers, investment properties, refinancing, renewing mortgages, newcomers to Canada and CHIP Reverse Mortgages.
Buying a Home in Whistler?
If you’re planning on purchasing a home in Whistler, it is highly recommended that you speak with a Mortgage Broker to help you find the right mortgage. A Mortgage Broker will review mortgages from multiple lenders and banks, in order to secure the best available rate and save you money.
How First Time Home Buyers in Whistler can Save Money
Did you know that first time buyers can qualify for specials discounts and tax savings? Our Mortgage Brokers can help with the RRSP Home Buyer’s Plan, Land Transfer Tax Rebates, and the First Time Home Buyer’s Tax Credit – saving you up to thousands of dollars!
Why Self-Employed Individuals should Work with a Broker
Self-employed mortgage applicants typically have a harder time securing financing compared to traditional salaried employees. This is because they don’t have the T4 slips that lenders use to verify their income and its sustainability. A Mortgage Broker will be able to review your situation and connect you with a lender who works with self-employed individuals – greatly increasing your chance of getting approved.
Whistler Investment Properties
An investment property is a fantastic way to supplement your income. Most lenders have very specific requirements for financing investment properties in BC, so it’s always recommended to have a Mortgage Broker guide you through this process. They will be able to connect you with a lender who routinely finances investment properties, avoiding issues that you may face if you attempt to achieve financing on your own.
Refinance the Smart Way
Accessing equity, consolidating debt, and taking advantage of lower rates are the main reasons people choose to refinance their home. Whichever your reason for refinancing, a Whistler Mortgage Broker can help you navigate the process and avoid hefty fees or prepayment penalties.
One of the most beneficial times to start working with a Mortgage Broker is when your existing mortgage is up for renewal. This is a golden opportunity to see if there are better rates available, and exactly what other lenders would be willing to offer you. By switching lenders you may be able to save thousands of dollars per year.
Moving to Canada is Easier with a Mortgage Broker in Whistler
If you plan on buying a home in Whistler when you’re from a different country there are a lot of hoops to jump through. An experienced Mortgage Broker can make this process go as smooth as possible, by connecting you with a lender who has new to Canada mortgage programs already in place.
CHIP Reverse Mortgage
Whistler homeowners that are over the age of 55 can qualify for the CHIP Reverse Mortgage. A CHIP Mortgage is an excellent option for retirees who would like to have more money to spend each month, without having to downsize.
Whistler Mortgage Broker Commercial Services
Lenders often perceive commercial loans as more risky than residential loans. This causes them to be harder to secure. An experienced Mortgage Broker can help you successfully receive funding for commercial mortgages, construction mortgages, and even equipment financing.
Whistler Commercial Mortgages
To qualify for a commercial mortgage, a borrower must meet extremely high standards and specific criteria. These requirements are not usually made public, so working with a Mortgage Broker is the best way to secure a commercial mortgage.
Building a Home in Whistler? Talk to a Mortgage Broker
While mortgages are usually thought of as loans to buy an existing house, there are also mortgages available to build new homes. Different than a residential mortgage, the funding for a construction mortgage is provided in separate parts called “draws.” Each new draw is only given once an inspector confirms that your home is being built according to policy guidelines. If you’re planning on building a home in Whistler, a Mortgage Broker can connect you with a lender that will finance the new build.
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