Why should I use a mortgage broker (vs. my bank)? This is the question I get asked by every new potential client.
For me the answer is as simple as this: I care, they don’t.
Ok, let me back up and explain that because I know it is a bold statement.
When you enter you local bank branch or call a branch, you are one of millions of customers. Even if the local staff know your name, that you take your youngest to hockey every Saturday morning it doesn’t matter – you are one in a million.
The person working in your local branch might care about you and your wellbeing, but the people making the policies, driving the process that will get you the best options and rates doesn’t know your name our that you have been a loyal customer for 18 years. To them, you are part of a monthly employee campaign to reach mortgage quotas. Sad, but true.
I know this because I have worked in several Canadian Banks at the branch level and in Operations.
That combined with the fact that going into your local bank branch is providing you with only what is available to them. This means if you are looking for a mortgage that best suits YOUR needs and the absolutely BEST rate, YOU need to shop around. The leg work is all on you.
That will take you hours and weekends that you simply don’t have. Oh, and a lot of patience going from place to place trying to make sense of all the lingo and jargon.
The flip side, is what a mortgage agent or broker can do FOR you… see the difference already? We work FOR you…
3 HUGE BENEFITS TO USING A MORTGAGE AGENT/BROKER
I shop the market for you, saving you time.
Having me work for you is like calling over 50 different lenders, including Banks, Credit Unions and Trust Companies – I have access to all of them so I can find you the best mortgage solution and deal possible. I don’t work for any one lender, I work for you!
I get rates that the banks don’t share.
Access to interest rates that banks don’t tell you are available saving you tons of money in interest. Since Mortgage Alliance sends lenders millions of dollars of new business each month, they always offer us the deepest discounts, which I pass that on to you IMMEDIATELY – whether you are purchasing, refinancing or renewing.
My services are FREE to you
I listen to your needs, find the right solution and rate – so you don’t have to waste your Saturdays. My services do not cost you a dime. That’s right, my services are free to you as the lender pays me a finder’s fee, if your mortgage is funded through my hard work.
Why choose Peter?
I am quoted around my house as the guy who “says what you need to hear, not what you want to hear”, and for some, that might be off-putting. But the truth is, is that I am honest, and will only offer mortgage solutions that are realistic, the best option for your needs and I will never make a promise I can not keep.
The first time I spoke with Peter I thought, wow, this guy is smart and honest. My bank had told me that the only mortgage I qualified for had a ridiculous rate and terms. Peter found me a different mortgage that we were really happy and a way better rate. When my mortgage comes up for renewal, I’ll be calling Peter again!
– John F., Unionville, ON
So, if you are looking for a mortgage agent that will work incredibly hard for you and your family and will treat with your honesty, integrity and truly look out for your best interest, I’m here.
I’m available on your terms, when you need me, day, evening and weekends and will always be appreciate of your business. I promise to go the extra mile and provide outstanding service so you have the best possible financing experience!
For me, a happy client is a repeat client and that is an amazing feeling.
-Peter
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