About Mortgage & Renewals

Mortgage coming up for renewal?
Don't be too hasty in just signing the form and sending it back to the lender. Over 70% of the mortgage holders do just that, and what is the usual result - a higher rate and a mortgage product that might not be best suited to their needs. 

Facts

Many people accept the institution's written renewal without question. In fact, in recent   CMHC survey, 90 % of homebuyers renewed with their existing institution. 70 % of those renewed with the bank's first offer and probably paid too much.
A renewal offer will rarely have a discounted rate.
A renewal rate is normally only guaranteed for 30 days prior to renewal.
There is more to a mortgage renewal than just interest rate and term.
A mortgage is a financial planning tool but never treated that way.

Our Help

We take the time to consider your mortgage renewal as part of your overall financial plan. There are many options to consider that will affect your financial future.
We will start holding your rates 4 months before maturity date.

APPLY ONLINE or Send an E-mail- sharnjitgill@shaw.ca

What is a mortgage broker?
Your mortgage broker is an independent professional who specializes in the origination of residential mortgages. I have worked as Financial Services Manager with BANK OF MONTREAL, Surrey and Abbotsford Branches and had been approving the mortgages my self and has got lot of experiences in Mortgages, which enables me to help you in a better & effective way. 
Why use a mortgage broker?
Brokers provide consumers with choice, convenience and expertise.
The consumer receives an expert mentor through the complex lending process.
Because each applicant's needs and qualifications differ greatly, a Mortgage Broker who is familiar with the different programs available and knows which questions to ask, can approach lenders that best meet your needs while the single lending institution will attempt to sell you only their limited products. Mortgage Brokers are service orientated and save you time and money while shopping for the best mortgage for you. We offer the consumer extensive choices and access to flexible and affordable mortgage while balancing the consumer's financial interests and goals.
What if I have bad credit or have been turned down before?
No problem, deal with a professional broker who knows the lending criteria of Canada's mortgage lenders. We place mortgages for slow credit, no credit, former bankrupts. Let a professional package and place your application.
What if I have no income ?
No Problem, we have the Lenders, who help the home buyers, who have no income but need 35% down payment and
have good credit. 
Any Fee to the Mortgage Broker ?
No, the customers do not pay instead the Lenders pay. 
Why use Mortgage Broker ?
Save You Time
Save You Money
Offer More Choices - We shop over 30 lenders
Work for YOU and not for Banks
Protect Your credit rating
No matter how many lenders , we shop your mortgage,
   only one credit check is required
Get the Mortgage that’s Right for YOU
Manage your mortgage for life.
You pay no fee, lenders pay us.

Services : Residential Mortgages
Pre-Qualify
Pre approval Holding Rates up to 120 days.
Home Purchase
Refinances
Construction Mortgage
Switches You are lucky, if your Bank will still mail you renewal
Notice one month prior to your renewal date. Most of the lenders waits until
    the last 2 weeks. Why ? They want YOU to RENEW your mortgage with them.
Always shop around 120 days before the maturity date.
We will help YOU for all your mortgage needs.

You can now APPLY ONLINE and we will contact you after reviewing your application