Top 1% in Canada for the past 15 years!
Some of the benefits of working with my team:
1- Over 43 years of experience in Home Equity Financing Solutions.
2- Experts in First time home buyers/investment property financing/refinances/construction financing
3- Monthly emails: I feel knowing about your mortgage and its impacts is essential. Also, we will be heading into some exciting and difficult-to-navigate times in the next 3-5 years. I like to keep my clients up to date and email my entire database once per month. If any issues may affect your mortgage or the market, I will communicate them to my clients. This way, if you have any concerns about what is happening in the mortgage world, it will remind you each month that my team is there to help and advise in a timely and common-sense environment.
Benefits of RBC:
1- RBC is the largest mortgage lender in Canada and has been the Most Respected Corp in Canada for five years. This will be important when the world of finances becomes more difficult in future years. You want to ensure that the core values of your financial institution are based on Advice and Guidance
2- RBC has the best pre-payment options in the mortgage business.
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- Payment options: You can access flexible payment options that save money! An Accelerated bi-weekly or Weekly payment can reduce the amortization by 3.6 years, saving interest Dollars and reducing the effective interest rate.
- Lump sum payments—You can make 10% of the original balance a lump sum payment every year. This is a great program but not widely used. Less than 3% of Canadians use this program.
- Double-up Program: This is by far the best pre-payment program in the industry. It allows you to contribute anywhere from $ 100 to double your principal and interest payments for every single payment. You can change your mind (fee-free) on every payment if you choose or set it and forget it. This immediately hits the principal balance of the mortgage. It would take a 25-year mortgage down to 18 years on simply $100 bi/wkly. This amount also accumulates in skippable payments, so if an emergency arises, you can skip as many payments as you have accumulated.
- 10% increase on your payment: If you are finding that you’re doubling the costs, then you can increase your payment by 10% per year, which increases your double-up ability by 10% as well
These pre-payment options are so flexible that the mortgage will be paid out in 3.8 years if all three are used.
3- All RBC Mortgages are fully portable and Assumable, which means you can sell your property and take your mortgage rate with you to avoid a pre-payment penalty. If you’re not planning to re-buy, then the new buyer has the option to assume your mortgage, as the rate you have may be lower than the market rate. This will also enable you to avoid any penalty.
4- Code of Conduct and Privacy: The largest Financial Institution in Canada carefully protects your information. With today’s issues with identity theft and fraud, it is so essential that you keep your financial information safe. Using RBC protects your information through our rigid privacy policy and state-of-the-art technology to protect and prevent identity theft. None of your private information leaves RBC.
Thank you very much for the opportunity to earn your mortgage business. I look forward to talking with you further.
