Whether you’re looking to buy your first home, second home or an investment property, Tom will make sure you feel comfortable throughout the entire process and secure the best rate and mortgage product that best suits your individual needs. Tom works with all types of homebuyers from first-time to investors with multiple properties. If you are looking to purchase to live in or as an investment Tom can help.

Having access to more lenders and products lets Tom better serve his clients. Your bank or credit union has only its own mortgage products and rates to offer. As a mortgage broker, Tom offers mortgage products and rates from over 40 different lenders. Tom will match the right mortgage lender, product and rate that best fits you.

Refinancing your mortgage is just like getting a new mortgage and you should take just as much care in the process. There are all sorts of reasons why clients refinance their mortgage including:

• Reducing monthly mortgage payments if rates have dropped.
• Debt consolidation like credit cards and car loans into one monthly payment
• Using home equity for purchasing additional property
• Accessing home equity for home improvements or major renovations
• Managing life changes like sending kids to school, taking care of elderly parents, separation, divorce, etc.

Breaking your original term if there are currently lower mortgage rates can make sense depending on the terms of your existing mortgage contract. Tom can help you determine if it will make financial sense for you and potentially save you thousands. If you are thinking about refinancing your mortgage, Contact Tom!

Don’t sign your renewal agreement without talking to Tom first. More than 70% of all Canadians do not take advantage of their strength as a renewing borrower by using a mortgage brokers services at renewal time. Many Canadians are accepting the first mortgage rate that their bank offers them at renewal without researching their options which could save them money.

As a mortgage renewer, you are in a great position – your original mortgage principal has dropped, and your home’s value has likely increased. Mortgage lenders see renewers as lower risk borrowers, and you should be getting the best rates available.

Let Tom do the research for you and he will let you know which mortgage lender has the best mortgage options and rates for you. Some mortgage lenders will guarantee a renewal interest rate for up to 120 days before your renewal date. Tom arranges most residential renewals at no cost to the borrower, so there is nothing to lose and your money to be saved. Contact Tom before your renewal date and let him negotiate best rate and term on your behalf.