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Pitt Meadows Mortgage Broker
Pitt Meadows is a primarily agricultural city populated by less than 20 000 residents. Located in the Lower Fraser Valley, Pitt Meadows is surrounded by many waterways, including Pitt Lake, which is the largest tidal lake in North America.
In addition to high housing prices, the new mortgage rules launched in January 2018 have made it increasingly difficult for residents in Pitt Meadows 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.
Benefits of Pitt Meadows Mortgage Brokers
The top 4 benefits of working with Mortgage Broker in Pitt Meadows are:
- 1. There are no fees.
- 2. Get the best rate available.
- 3. Access products from many banks and lenders.
- 4. The broker handles all details and paperwork for you.
The best part about working with a Mortgage Broker in Pitt Meadows 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 Pitt Meadows!
Pitt Meadows Mortgage Brokers are Free
Did you know that a Mortgage Broker works directly for you, but you don’t need to pay them? A Mortgage Broker gets paid by the lender, but only once they’ve secured your mortgage!
Get Better Rates
Your local bank in Pitt Meadows likely offers mortgages, but they only offer you “their” rates. A Mortgage Broker has access to rates from many different lenders, ensuring that you get the lowest rate available.
Access to Top Tier Lenders
As mentioned above, your local bank has mortgages, but they only offer their own products – which seriously limits your options. When you work with a Mortgage Broker you are able to choose between products from the best banks and lenders.
Pitt Meadows Mortgages are Easier with a Broker
The time between application and funding your mortgage is full of paperwork. A Pitt Meadows Mortgage Broker can handle all the paperwork on your behalf, making sure all documents are submitted to the correct individuals on the lender’s end.
Pitt Meadows Mortgage Broker Reviews
Our professional team of Mortgage Brokers only serves Vancouver and its surrounding areas like Pitt Meadows. That means we are extremely familiar with Pitt Meadows’ real estate and lending trends. You won’t find a better Pitt Meadows Mortgage Broker than us, just read the reviews!
Pitt Meadows Mortgage Broker – Residential Services
Buying a home is stressful, but applying for a mortgage doesn’t have to be. Our friendly Pitt Meadows Mortgage Brokers can confidently assist with residential mortgages, first time home buyers, mortgage renewals, refinancing, reverse mortgages, self-employed borrowers, investment properties, and newcomers to Canada.
Buying a Home in Pitt Meadows?
One of the first steps of buying a home should always be to speak with a Mortgage Broker. A Mortgage Broker will connect you with a lender that can provide the best rate, so you can get the most house, for your money.
First Time Home Buyers
Are you thinking of buying your first home? If so, you’re eligible for programs that save you money! A Mortgage Broker can help you navigate through the RRSP Home Buyer’s Plan, First Time Home Buyer’s Tax Credit, and the Land Transfer Tax Rebate.
Investing in a rental property is a fantastic way to supplement income, but borrowers should be aware that financing isn’t always easy. (Some lenders won’t approve the mortgage unless you plan on living in one of the units!) The best way to start the process of having your own investment property is to work with an experienced Mortgage Broker, who can access their directory of lenders and find you a suitable match for your circumstances.
Self-Employed Borrowers in Pitt Meadows
Did you know self-employed individuals are more likely to be turned down from a lender than a salaried employee. Even if you’re making a great income, without a T4 slip it can be difficult for lenders to confirm that income and its sustainability. While getting a mortgage may be more difficult, it’s not impossible! By connecting you with a suitable lender (who routinely works with self-employed borrowers) a Mortgage Broker can make this process as painless as possible.
Pitt Meadows Mortgage Renewals are Better with a Broker
If your mortgage is up for renewal, it is highly recommended that you speak to a Mortgage Broker. This is the perfect opportunity for you to find out what other lenders will be willing to offer you. By simply moving your mortgage to a new lender, you could save thousands of dollars each year!
Save Money Refinancing in Pitt Meadows
Anyone who wants to consolidate debt, access equity in their home, or take advantage of lower interest rates should speak with a Mortgage Broker about refinancing. They can guide you through the process and advise on how to avoid fees and prepayment penalties.
New to Canada? Talk to a Pitt Meadows Mortgage Expert
Buying a house is stressful in general, but buying a house when you’re from a different country comes with a whole new set of rules and regulations. One of the best things about working with a Mortgage Broker, is that they routinely work new to Canada borrowers, and will be able to connect you with a lender who has special programs designed for newcomers to Canada.
Pitt Meadows Reverse Mortgages
Homeowners in Pitt Meadows over the age of 55 are qualified to apply for a CHIP Reverse Mortgage. This program is an excellent way for seniors to supplement their monthly income, without having to downsize.
Pitt Meadows Mortgage Broker – Commercial Services
Commercial lending differs from residential in that the borrower typically tends to be a company, and not an individual. This causes the financing process to be a lot more complex. Our Mortgage Brokers are well versed in commercial lending and can help you set up equipment leasing, construction mortgages, and commercial mortgages.
Pitt Meadows Construction Loans
Building a new home is expensive, and most people don’t have the funds to pay for all the costs up front. This is where a construction mortgage comes into play. Mortgage Brokers have access to lenders who specialize in mortgages for building homes. This type of mortgage is paid in portions called “draws,” with each new draw given at a different stage of the building process.
Commercial mortgages tend to come with complex sets of rules and regulations. To improve the chances of getting your commercial mortgage approved, it is highly recommended to work with a Mortgage Broker, as they can help you ensure that you are meeting all of the lender’s very specific criteria.
Leasing Equipment in Pitt Meadows
Up to date equipment is essential for scaling a business, but it can really take a toll on a business owner’s bank account. Instead of paying out of pocket for brand new equipment, you have the option to lease new equipment for a monthly payment. This allows you to have new equipment every time technology changes, without detrimentally influencing your bank account.