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Your Trusted Mortgage Broker in Belleville

Belleville is one of the best cities to live in Canada because of the friendly people and the low rates of violent crime. Getting a mortgage here is also not very difficult, especially when you work with experienced brokers. Certified Mortgage Brokers is licensed to operate in Belleville, our brokers are knowledgeable and reputable.

We also value our clients and will do everything to get you the lowest rates. If you’re looking for mortgage brokers that won’t take advantage of your financial situation, or misuse their knowledge and expertise about mortgages, you’ve come to the right place.

Why Hire Us?

Expertise In Different Mortgages

The mortgage industry is constantly changing, with new legislative rules being given to traditional lenders regularly. The private lenders also experience changes which lead to a need for different approaches. Our brokers keep up with these changes to ensure you get the best services when you need them. Our savviness in the industry and the Belleville market allow us to get you a mortgage that is tailored to suit your needs. With us, you will get hassle-free closing, and you won’t have to worry about your loan being canceled unexpectedly. Whatever your needs are, whether it is buying a family home, or expanding a business, we will give you the right approach to getting your mortgage.

We Get And Secure The Best Mortgages Available!

We know how to use the competition between lenders to your advantage. We are loyal to our clients, which is why we try our best to get you the rates that make you comfortable. We also utilize the relationships we’ve built with lenders over the years to compare the deals and recommend the ones we think will be perfect for your situation. Our contacts include traditional lenders as well as private lenders. Don’t worry if your bank has turned you down. We will extend the search to private lenders and negotiate for the perfect deal.

Tailored Services For You

Our brokers will make sure to create a tailored approach to your situation. We take our time to understand it well, because we believe that is the only way to guarantee effective solutions. We take you on as a client with the goal of making things simpler and less complicated for you. We don’t rush into closing to ensure you get enough time to compare the rates, fees, and all the other factors in the mortgage. We don’t limit your mortgage options either. You will get a chance to consider every lender and mortgage type that we think suits your situation.

Straightforward Services To Save Time

One of the benefits of working with a mortgage broker is to avoid unnecessary time wastage. We will use your qualifications to identify suitable lenders in our portfolio. To get you the best fit, we consider your credit history, your income, and your ability to keep up with regular payments. Our connections are perfect for clients with various needs. We’ll ensure you don’t go around being interviewed by several lenders in vain. We can also handle your pre-approval process as you look for properties.

Domestic Knowledge Expertise

The availability of several residential mortgage options can be very confusing, especially if you are a novice in the industry. Even if you’ve dealt with a mortgage before, it’s easy to ignore some of the crucial aspects that can make a huge difference in your experience and finances. You need brokers that can pay close attention and point out the differences in the mortgage you’re interested in. We have partnerships with many lenders in this category, but that doesn’t cloud our judgment. We still use the differences to ensure they match your case. Involve us in your search and allow us to handle your case professionally.

Strategic Mortgage Refinancing

Sometimes mortgage refinancing doesn’t make sense when done under the wrong circumstances. You could end up with more financial pressure or, in the worst scenario, lose your property. You should only refinance the mortgage when you have higher chances of making profits from the deal. We will give you an unbiased opinion to ensure you don’t suffer the consequences of a poor debt decision. We can give you more insight into your financial abilities as we shed more light on the conditions that come with such loans, and what will be expected of you. Contact our team today, and we will help you avoid one of the common mistakes in the mortgage industry.

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Commercial Mortgage Solutions

Working with us also gives you access to some of the best solutions for commercial mortgages. We understand that even business owners need financial support at some point, and we strive to give such support. Regardless of the type of business you have, we will help you find a befitting mortgage lender that will boost your business. You explain to us your business needs, and we will move swiftly to get you lenders that will not tamper with your business goals.

At Certified Mortgage Brokers, our loyalty is to our clients. We also value honesty and transparency, and we provide some of the most competitive rates in the market. We also give quality services that are geared towards giving you future financial freedom. We are brokers that will not want you to be overwhelmed by your loan payments or to lose your property. Feel free to contact us at any time for more information.

Our Mortgage Brokers Offer The Following Services In Belleville

Mortgage Refinancing – Learn Your Options

One of our areas of service provision is mortgage refinancing. We find that having a clear goal makes the application process easier. It allows us to find the right mortgage refinancing lenders with conditions that won’t derail your goals. This type of mortgage gives you a chance to use your home equity, reduce your payments, change the interest rates, or finish paying the loan faster.

Mortgage refinancing also comes with disadvantages that you must factor into your decision. For instance, the penalties involved could be more than the interest, resulting in financial losses. Our team will try to give you options that result in financial gains. Call us today, and we’ll outline all the benefits and disadvantages of refinancing.

First Time Buyers – We Will Be Happy To Help

These mortgages are meant to help the residents of Belleville get loans to purchase first homes. If you are interested in this loan, you should not let it exceed 32% of your income. Getting a loan that will drive your monthly payments to more than 40% can put you in a financial mess that is impossible to recover from. It helps to calculate all the expenses, including the bills, taxes, and any other cost that will come with the new house before seeking a lender.

Our brokers can help you narrow down your options to the properties you can afford only. We want your first property ownership journey to be successful, which is why we bring the hidden costs to your attention.

Private Mortgages – Competitive Rates Available

A private mortgage is usually given by individuals who are not bound by the same rules that govern conventional lending institutions. You can still use the money to buy a property or invest in any other idea, but you should be ready to pay both the principal and the interest every month. Although private mortgages aren’t always the first option in many cases, they are still good loans for low credit scores and unconventional investments. If your bank turns you down because the investment you want to make doesn’t make sense to them, you can turn to private lenders. These lenders also provide more flexibility and better responses than traditional institutions. Contact us for lenders that will customize their products and services to help you out.

Mortgage Renewals

If you have been looking for a chance to change your mortgage terms, your lender, or the interest, a mortgage renewal could be the answer. While these can be beneficial to your long-term financial plans, this mortgage could also be detrimental. For instance, you stand to lose money in the short-term if you decide to switch lenders. The money you use to settle penalties could also end up being higher than the low interest that attracted you to the renewal in the first place.

Our brokers will give you professional advice on the issue. Our experience in the industry has allowed us to witness different situations and outcomes. Whatever you decide to do, we will try our best to get you the best deals.

Home Equity Line Of Credit

A HELOC is most loved because of the level of flexibility it offers. With this loan, you won't be under pressure to pay both the principal amount and the interest. You can start with the interest first, then proceed to the principal once you're financially stable. The availability of funds through this mortgage also makes it a great option for business opportunities and investments. You can take as much as you want when you want it, so long as it doesn't surpass 65% of the equity of your property.

When it comes to disadvantages, a Home Equity Line of Credit doesn't have fixed interest rates. The interest will be calculated daily, which means that your payments will rise when the interest goes up. Despite this, getting a HELOC mortgage is still one of the best ways to consolidate debts and grab investment opportunities. Our Belleville mortgage brokers can help you negotiate better terms with various lenders in the market.

Mortgage Approvals For Self-Employed

Applying for a mortgage as a self-employed person and being turned down because of your employment status can be disheartening. We believe that you should be given the same opportunities as the formally employed people, which is why we provide services that deal with these types of mortgages. We will introduce you to a private lender that will give you a real chance at achieving your dreams. Most of the private lenders we work with don't look at the personal attributes of a borrower, which increases your chances of approval. It won't matter whether you have poor credit, you can't trace your proof of income for the past two or three years, or you can't predict your future income. The lenders will ask for tax returns for the recent past as well as an asset that you can use as collateral. We will be with you every step of the way, informing you about the mistakes to watch out for.

Home Equity Mortgages

This mortgage is usually confused with a HELOC, but they are different. Taking a home equity loan means taking a second mortgage in addition to the first one. The first mortgage must be paid first, and defaulting on it means risking losing the property. The connection with the first mortgage makes the second mortgage easier. Typically, that means it comes with higher interests and the possibility of losing money.

In most cases, these mortgages are given by private lenders, but you can also try looking for traditional lenders if that's your preference. We can introduce you to lenders that can give you up to 90% of the equity.

Construction Financing – We Can Help!

Are you planning to construct your home or buy one that has been built recently? If so, this is the best mortgage for you. You can choose the progress draw mortgage and have your lender deal with the contractor directly, or the completion draw and get the money yourself.

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Google Reviews

Certified Mortgage Brokers
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Afton Jaskolski
2020-12-30

Getting a private mortgage was not easy to be honest, but at least with Mr. Leon it was doable. Thank you for your help!

Davin Mills
2020-12-26

There are a lot of mortgage brokers in toronto to choose from, I was a bit intimidated by that. Don't regret I picked CMB, they took the lead and made sure to cover all the bases

Tracy Wilhoite
2020-11-21

I was renting an apartment for a long time and finally decided to take a big step - get a mortgage instead. Team at certified Mortgage Brokers laid out various options for me. The actual process went smooth and quick, happy with my new home.

Ryder Turcotte
2020-11-16

My wife and I decided to refinance our mortgage and started looking for a mortgage broker in Toronto. There were so many options, so you can imagine how overwhelmed we got! After talking to Leon we decided to proceed with Certified, didn't regret that decision once. They always gave useful recommendations, were attentive, and constantly in touch. And most importantly (for us) they helped us to save some money!!

Lucy Zimmerman
2020-11-11

Vita was great. Helped my son with all the paperwork and got him very good interest rate. On the closing date called to follow up if everything went fine. Quite a pleasant experience. I would recommend this firm for anyone who is looking a mortgage broker.

Certified Mortgage Broker Belleville

Questions about Belleville Mortgages

What is a mortgage?

A mortgage is a loan taken to purchase a property or against a property. The agreement between the lender and the borrower stipulates the conditions of the loan, such as the principal amount, and the amortization of the loan. The lender will take temporary possession of the property in question until the borrower completes paying the loan. Defaulting the loan results in the automatic loss of the property.

Do I Get To Select A Convenient Repayment Option?

Yes. You will get a chance to choose one of the two main options available. Your choice should depend on how much stability you want during the loan term and how much you're willing to overlook for low rates.

Terms To Know Before A Mortgage Closing

  • Amortization is the time it takes to complete paying off the mortgage.
  • Home Inspection Fee is the money paid by the buyer to affirm the structural integrity of the property.
  • Down Payment is an amount expressed as a percentage of the property price that the buyer had to pay from the pocket.
  • Property Transfer Tax is the tax paid when a property is transferred to someone else.
  • Mortgage Loan Insurance is the insurance used when a down payment is less than 20%.
  • Deposit is the amount the buyer uses to secure the property.
  • Appraisal is a process of determining the value of a property.

Certified Mortgage Brokers in Belleville are experts that care about clients best interests. Our credibility comes from the quality of our services. Give us a call today for a free consultation!

What Benefits Will I Experience If I Choose Pre-approved Mortgages?

Since you will give the lender your financial information beforehand, they will determine whether you qualify for the amount you want. They will also have enough time to verify the information, which reduces the total time it takes for the application to be approved. You will not waste time on properties you can't afford, and it won't take more than 120 days before you know the way forward.

Variable Or Fixed Rates -Which Should I Choose?

You can choose the one that suits your situation best. For variable rates, you won't have the certainty of knowing what your next payment will be. For fixed rates, you'll end up paying higher interest.

How Much Should I Set Aside For A Down Payment?

If you can place more than 20% of the property price, go for it. If you can't, let the minimum be 20%. Some lenders will allow less than 5%, but that will overburden you because you will have a higher mortgage.

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