Greetings from your analogue mortgage broker....
With more and more of our lives intersecting with digital processes, it’s easy to take for granted the complexity of those interactions, but I honestly believe that you, a unique individual, need a more analogue approach to finding a mortgage.
As the complexity of mortgage financing increases, there’s less and less opportunity for brokers, especially the ones that claim to be digital, to apply a cookie cutter approach to your mortgage financing.
Your situation is unique and your financing needs are also unique -when I am approached for the ‘best rate’, I often can’t provide that 'best rate' because each situation is unique. Some of those best rates are even negotiated after the mortgage is approved!
Each lenders’ policy is also different from the next adding another full set of variables. A simple example of this is how different lenders treat rental income. Depending on how they apply the income to the purchase application for a rental property, the financing amount can vary wildly, from $400,000 to $800,000, for example.
You lead an analogue life, you may work digitally but you still need to get outside on weekends, interact with friends and family, travel and enjoy life. You need to engage a broker who is focused on you, and is committed to a long term relationship with you, someone can answer your questions in a clear, concise manner and ensure that you understand your options.
I am that analogue broker. In fact, I am so analogue, you will laugh. More to come on my analogue life in future posts.
In the meantime, don’t hesitate to call if you need help.
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