When seeing extremely low rates advertised(even by the Big Banks) on the internet keep in mind – this is designed to make their phone ring! Remember, this rate does NOT apply to everyone – the fact is there are many different scenarios used by lender’s to determine your rate including:

High ratio – insured purchases

Switch / transfers

Refinances

30 year amortization

Porting

Mortgage Brokers have access to 90+ Lenders and work for you. Our service is FREE for our clients – we get paid by the Lenders and we don’t charge a fee on standard residential mortgages.

If you need unbiased advice – give me a call!