Mortgage Brokers in Oakville

Mortgage Broker Services

A mortgage broker is a licensed professional trained in bringing together borrowers with potential lenders, which are usually banks, credit unions or private lenders. In Oakville, Ontario, Canada the number of people seeking mortgages is increasing every year because of the population increase as well as an increase in the number of real estate developments. Mortgage brokers in Oakville are in a position to help meet the needs of their clients by having access to the current mortgage rates and specialized lenders for unconventional type mortgages.

Why You Should Enlist the Services of a Mortgage Broker

A professional mortgage broker brings with them the experience and network of lenders. Remember – everyones’ circumstances in life are different! Outlined below are some of the advantages of retaining the services of a mortgage broker.

  • Negotiating Better Deals and Saving Money
    What most borrowers do not know is that successfully finding a lender to give a mortgage can involve a lot of fees such as application fees, lender fees, and appraisal fees just to name a few. Because of a mortgage broker’s experience and networks, they can get certain lenders to waive some of these fees in effect saving you money.
    The mortgage broker is also in a better position to negotiate better deals with certain lenders, especially if they have bulk or a large volume of clients. Another thing is that some of the discounts they get as a result of this may be passed on to the clients or borrowers.
  • More Flexibility in Working Hours
    Most lenders are banks and they have fixed hours of work. A mortgage broker on the other hand, is not bound by these fixed hours. In our case we are available to our clients from 8 am to 10 pm Monday to Saturday and afternoons on Sunday. So a client or borrower can enjoy extended services offered by a broker because a broker works independently.
  •  It Saves Time and Effort
    Mortgage brokers have access to many lenders seeing that this is what they do every day. A mortgage broker is like a one-stop shop for all lenders. You are bound to come across lenders you have never even heard of. This basically means that there is a good chance you may end up knowing about and even signing up with a lender with better rates. Enlisting the services of mortgage brokers in Oakville will save you the time and effort of having to research and visit other lenders.
  • Mortgage Broker vs. Bank
    A mortgage broker has access to several lenders including banks and other financial institutions. This means that a mortgage broker will provide you with different rates and mortgage products for you to assess and make an informed decision on.
    A bank, on the other hand, usually can only offer you their products and services. This puts a potential client at a disadvantage since they may want to make comparisons with other rates or their circumstances such as credit, loan to value and employment situation make it difficult to get a conventional bank mortgage.

WHAT PEOPLE ARE SAYING…

  • “I can’t say enough how great your company has been. Matthew, thank you so much for making all of this process so easy for us. Our bank would not help us and you were amazing. Your company kept us informed every step of the way, and not once were we made to feel inferior like our bank did. The lawyers you set us up with were also awesome. I will highly recommend your company to anyone looking for mortgages. Thank you so much for getting creditors off or back and setting us on the right track. You guys are all amazing. I’m also so impressed that you came to us do to everything.”

    KKP, HAMILTON
  • “I just want to say ‘thank you’ to all of you, especially Matthew. The financial stress started affecting my health and my life. I could not sleep or focus at work. Now Expert Mortgage has given me control on my life by connecting me to a great lender. I have gone from being full of stress to being stress-free.”

    M.D, Mississauga, ON
  • “The bank would not lend money on our farm unless we showed them financial statements. Since my husband passed away, my son and I were struggling to keep the farm afloat. We just needed more time. The third mortgage you got us was the miracle we needed. You believed in us and we are so grateful. Thank you.”

    S.E. Orono, ON
  • “My pig farm always made good profit but last year was brutal for the whole industry. I fell behind on my mortgage. I showed FCC that my loss was just a temporary blip and asked them to give me some leeway but they started a foreclosure anyway. Thanks for getting me that private loan to buy me some time until I’m profitable again.”

    K.O., Hawkesbury, ON
  • “My ex-wife’s lawyer gave me 30 days to buy out her half of our house or have it put up for sale. I had no job and I was in bankruptcy. My bank manager laughed at me. I thought it was hopeless until I saw your flyer. I don’t know how you qualified me for the mortgage. You’re a miracle worker. Thank you!”

    J.R. Burlington, ON
  • “We were 6 months behind on our mortgage and the Sheriff was coming in 5 days to lock us out of our home. Every other mortgage broker said NO! I can’t believe you were able to get us a second mortgage that fast. You saved our home and I will refer everyone I know to you.”

    C.C., Oshawa, ON
  • “The bank refused to value my property based on all 211 acres. They said that their ‘rules’ limited it to 5 acres. Personally, I think that’s biased against farmers. I didn’t know that you had lenders who would value my property on all the acres. I finally got a large enough loan to tie all my debt into one payment. Thanks!”

    C.R., New Dundee, ON
  • “Every time I’d walk into a bank and say the word ‘farm’ the suit on the other side of the desk would look at me like I was from another planet! They had one agricultural ‘specialist’ for the area that was not much better. Then I went to 4 mortgage brokers before I stumbled on your company. Your rates were lower than the bank.”

    M.D., Bradford, ON
  • “Our credit was destroyed after we had a bad year. We needed to expand our facility. I explained to the bank that the expansion would make us profitable. I proved it on paper. They still declined us. I never heard of your ‘no questions asked’ private loans but you gave me $500,000 with no paperwork. That was a Godsend. My wife and I appreciate it from the bottom of our hearts and we won’t let you down.”

    R.Q., Woodville, ON
  • “Once again, a big thank you for arranging our new mortgage and being able to arrange for additional funds on closing. Matthew has worked hard for me over the last few years… I have a very high level of trust in Matthew and Expert Mortgage, and will surely recommend you to anyone I know who is in need. Thank You.”

    M.Z. Brantford, ON