For most people, their mortgage represents the largest and lowest-cost debt obligation, and their home is generally their most significant asset. That’s why getting the right mortgage is so important – it can protect you from a financial downturn, save you thousands of dollars, and help build your wealth over time.
Compare the services available to you and you will understand why a second option can be so valuable, including the potential to save thousands of dollars.
| My Services | The Bank’s Services |
Product Choice & Access to Lenders
| I have access to over 50 competing lenders, including most of the major banks, I am aware of rate promotions as they become available. | Access to the bank’s line of mortgages, so you are limited to what the bank offers.
|
Independence & Objectivity
| I work for you, not for any one lender. That means I find the best mortgage from the marketplace for your specific situation. | Mortgage specialists work for the bank. Hopefully there is a mortgage within that limited product suite that meets your needs |
Rates | Our overall volume gives us negotiating power with our lenders. We can often get a better rate for you from your own bank. Getting a lower rate can potentially save you thousands of dollars. And I can often guarantee an interest rate for 90-120 days | Depends on the rates set by that particular bank. You will not be advised if there is a better deal elsewhere. They don’t shop the market; they only have access to their line of mortgage products.
|
Ongoing Service | I will keep in touch with you after your mortgage closes and all through your mortgage years. I conduct annual mortgage reviews, and as your needs shift, we will tailor your mortgage plan so it always fits your current goals. | You will get an annual statement and a notice for your mortgage renewal.
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Advice & Strategies | I will provide ongoing advice specific to your situation, whether that is to consolidate debt, buy a next home, pay off your mortgage faster, or invest in property. You deserve dedicated attention. | Not often available. Mostly available for order taking situations. No proactive advice is typically provided and you may not be dealing with a licensed mortgage specialist |
Cost | No cost. I am paid by the lender that funds the mortgage. | No cost.
|
If there is a better mortgage for you in the marketplace, I can help you find it.
Get a FREE second opinion today and possibly save thousands of dollars!
Mustapha Maynard, AMP Mortgage Planner
Mortgage Architects Designed around you
Direct Line: 877-356-3575 Fax: 902-677-2731
mustapha.maynard@mtgarc.ca
www.mustaphamaynard.ca
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