Today, being a homeowner has become an expectation of society. Calgary has the highest rate in Canada of homeownership, but overall, statistics are high across Canada altogether. Only 40% of mortgage clients use an outside mortgage Associate/Broker. This leaves 60% of clients who walk into their bank and accept the rate and product the banks give them. Institutions are limited in the products that they offer. Using a broker gives you the advantage of accessing every product available in over 30 institutions. Associates/Brokers can almost always provide a better interest rate due to volume discounts.

Clients will also shop around on their own not realizing that every lender is pulling a new credit history with each application. This can be very harmful to your credit rating!

Using an expert has many advantages when finding the right mortgage for you. I do the shopping around to ensure you get the best possible rate. This saves you time and frustration. I am only required to pull your credit history once, saving the many “hits” on your bureau which can be harmful. Most importantly, you will have flexibility in choice and the comfort of knowing that you will be provided with expert advice and the best options to suit your needs. We will build a relationship together and plan your mortgage by analyzing your current financial status and your future goals. I will provide you with options, giving you the control to choose which is the right lender and product for you.

The best part…There is NO cost to you for my services!