1. Available Options:

• Bank: A bank only offers its own mortgage products. You’re limited to the rates and conditions they can provide.
• Mortgage Broker: A broker has access to multiple lenders, including banks, credit unions, and specialized lenders. This gives you access to a wider variety of financial solutions tailored to your specific needs.

2. Personalized Service:

• Bank: When working with a bank, you’re often treated as just another number. The solutions they offer may not take your unique financial situation into full consideration.
• Mortgage Broker: As an independent broker, I take the time to understand your unique situation. Whether you’re self-employed, need to consolidate debt, or are looking to buy your first home, my goal is to provide a solution that is tailored to your needs.

3. Rate Negotiation:

• Bank: You generally have less room for negotiation when working with just one institution.
• Mortgage Broker: With access to many lenders, I can shop around for rates on your behalf, ensuring that you get the best possible deal.

4. My Approach:

I don’t just focus on finding the lowest rate because every client has different needs. I make sure that the solution I provide fits your financial situation and long-term goals perfectly.

Do you have any questions or want to learn more? Contact me for a free consultation and find out how I can help you get the mortgage that suits you best.