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Mortgage Shopping?

Here’s a smart, easy way to get the best product, service and best rate!
 
Shopping for a mortgage in Canada is changing. More lenders are competing for business and new mortgage products are being introduced everyday. So what does a smart consumer do?
 
Marty Coubrough, Broker/Owner of One-Link Mortgage & Financial, Winnipeg’s largest mortgage brokerage firm, says “today’s consumer is more sophisticated than ever before. The financial market is flooded with new and innovative mortgage products. Chances are that for many mortgage shoppers, a mortgage broker holds the best deal.”
 
“Think of your local bank branch as a retail outlet, along with all its staff and overhead costs – then think of your mortgage broker as your entry into that same bank’s virtual wholesale store.  Banks are realizing that it is not cost effective to have mortgage personnel sitting in-house waiting for mortgages to come to them. The savings the lender experiences by having a Mortgage Professional handle the deal are passed on to the customer.  And those savings can be huge”, added Coubrough.

Savings of 1.25% interest on a $100,000 mortgage over a five year term are significant – the homeowner saves over $6,000 in interest. “The choice, to pay market rate or use a broker to get a discount, should be easy - especially since our service is free.* And… one application with us gives you access to hundreds of mortgage products.”
 
Discounted rates beyond a ¼ point, are available almost exclusively through the brokerage channels. Through the brokerage system, discounts of 1.25% below posted rates are common, and occasionally discounts of up to 2% become available when a lender has a large amount of maturing mortgages and wishes to quickly increase their funds in circulation.
 
In the last several years brokers have evolved from being a lender of last resort – to now handling mortgage applications for all types of clients - those with “A” credit to those consumers who have a less-than-perfect credit history. In provinces like B.C., Alberta, Ontario and Quebec, 45% of all mortgages are arranged through brokers.
 
Coubrough is also the Manitoba Director of the industry’s national association – CIMBL (Canadian Institute of Mortgage Brokers & Lenders). CIMBL has initiated a new designation program “Accredited Mortgage Professional” (AMP) in an effort to bring integrity, professionalism and a code of ethics to the industry. Mortgage professionals who have earned the AMP designation have met standards designed to raise the bar and increase the level of professionalism in Canada’s mortgage industry. That – combined with improved technology and support by over 50 of Canada’s top lenders, is changing the way the public is arranging their mortgage financing.
 
Since its inception, One-Link has grown to over 35 independent Mortgage Professionals with over 800 years of combined lending experience. 
 
“We’re experts at matching a borrower with a lender” says Coubrough.  “Our specialists work on our client’s behalf, offering unbiased advice and credit solutions custom tailored to meet their individual needs. We shop, you save!”