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Squamish Mortgage Broker
The perfect city for rock climbing, hiking and kiteboarding, outdoor enthusiasts have always flocked to Squamish. In recent years, to avoid heading east of Vancouver for more affordable housing, many young families are choosing to join Squamish’s active and youthful community.
In addition to increasing housing prices, the new mortgage rules launched in January 2018 have made it increasingly difficult for residents in Squamish 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.
Squamish Mortgage Broker Benefits
The top benefits of working with a 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 Squamish 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 Squamish!
It is Free!
Because they work to save you money, a lot of people assume that you are required to pay a mortgage broker for their services. This is not true. 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 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 Squamish are Easier with a Broker
Getting a mortgage from application to funding requires a LOT of paperwork, and plenty of documents being passed back and forth. Fortunately, a Mortgage Broker handles all of these details behind the scenes, giving you one less thing to worry about.
Squamish Mortgage Broker Video Transcript
Over the last 3 years, Squamish real estate prices have been experiencing white-hot growth, with townhomes leading the way up an average of 83% percentage points, closely followed by apartments and detached homes, that are up over 70% respectively.
As a direct result of this growth, Squamish is seeing an increase in young families relocating from the city, drawn by the outdoor lifestyle and more affordable housing prices, and older generations are realizing their profits and either downsizing, or relocating to the interior or Vancouver Island.
With the current real estate frenzy, and large scale developments, Squamish is seeing a large demand for local Squamish Mortgage Brokers, to help buyers navigate the new, tricky mortgage rules put in place by the Canadian Government – which has led to widespread mortgage declines. With interest rates as uncertain as ever, there is a large variance in lending rates among lenders, which, depending on your lender can lead to hundreds of thousands of dollars saved on your Squamish mortgage if you’re place competitively.
Vancouver Mortgage, one of the fastest growing mortgage brokers in Squamish, has assisted countless buyers to get approved at a great rate. After collecting some of your brief information, we’ll approach and aggressively negotiate with lenders, and present you with only the best offers. Working with us in Squamish is a breeze:
- It’s Free (the lender pays all the fees)
- We’ll get you approved
- We have amazing customer service and knowledgeable staff, who take care of all your paperwork
There’s a reason so many Squamish (or soon to be Squamish residents) are working with Vancouver Mortgage. Just read the reviews!
Residential Lending with a Squamish Mortgage Broker
If you’re planning on purchasing a home in Squamish, 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, rental properties, self-employed mortgages, renewals, newcomers to Canada, and reverse mortgages.
Homebuyers in Squamish 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.
Mortgage Brokers can Help First Time Buyers
Did you know that first time home buyers 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 Squamish Mortgage Brokers are well versed in.
Interested in Investment Properties in Squamish?
Purchasing a rental property can be a fantastic investment, but securing financing can be tricky and frustrating. A Mortgage Broker will be able to help you meet the specified criteria required for getting an investment property approved.
Renewing your Mortgage in Squamish
The perfect time to meet with a Squamish Mortgage Broker 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.
Self-Employed Borrowers in Squamish
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.
Refinancing in Squamish can Save You Money
In addition to consolidating debt, refinancing is an excellent way to take advantage of lower mortgage rates. If you’re interested in refinancing your Squamish home, a Mortgage Broker can advise on the best course of action to avoid fees and pre-payment penalties.
We Help Newcomers to Canada 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 mortgages for newcomers to Canada, and having your Mortgage Broker connect you with one will increase your chances of getting approved.
Reverse Mortgages in Squamish
Squamish 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 month disposable income, without having to downsize.
Commercial Lending with a Squamish Mortgage Broker
Commercial loans are usually perceived as riskier than residential loans, so securing financing for these types of projects can be difficult. Working with a Squamish Mortgage Broker makes commercial financing easier as we can easily assist with commercial mortgages, construction loans and equipment leasing.
Getting a Commercial Mortgage in Squamish
Due to 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 Squamish 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.
Squamish Construction Loans
Building a new home requires a lot of capital, which most people do not 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 Squamish
To grow a business it’s 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 their bank account taking a huge hit.
Squamish Mortgage Broker Reviews
Our professional team of Mortgage Brokers only serve Vancouver and its surrounding areas like Squamish. That means we are extremely familiar with the real estate and lending trends in the area. You won’t find a better Squamish Mortgage Broker than us, just read the reviews!